Quote data from MyChoice.ca, March 2025
The Best Car Insurance Brokerages in Belleville
Car insurance brokers assist your search for the best policy by comparing insurers and answering questions. Here are several Belleville brokers that can assist you when looking for auto insurance:
| Brokerage | Address | Phone Number |
|---|---|---|
| Mackay Insurance Brokers Inc | 211 Dundas St E, Belleville ON K8N 1E2, Canada | +16139665740 |
| McDougall Insurance & Financial | 199 Front St #218, Belleville ON K8N 5H5, Canada | +16139667001 |
| Allen Insurance Group | 123 College St W, Belleville ON K8P 2G3, Canada | +16139665586 |
Most Expensive Postal Codes in Belleville
At $1,273/year, the average car insurance rate in Belleville is around $463 cheaper than Ontario’s provincial average of $1,720/year. However, the K8N area of Belleville has higher rates than the city’s average.
Here’s a price breakdown for the most expensive area for auto insurance in Belleville:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| K8N | $1,359 |
Quote data from MyChoice.ca, March 2025
Least Expensive Postal Codes in Belleville
As with most cities, Belleville also has some areas with cheaper insurance rates than the city average – in this case the K8R area.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| K8R | $1,146 |
Quote data from MyChoice.ca, March 2025
Car Insurance Cost in Belleville by Age
Age influences your car insurance rates because it can raise or lower accident risk. Young people under 25 usually pay more because they’re inexperienced drivers, while old people over 65 pay more because they’re more likely to get seriously injured or die in accidents.
Here’s how your age influences auto insurance rates in Belleville:
| Age | Average Annual Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $4,546 | $904 |
| 21-24 | $2,598 | $517 |
| 25-34 | $1,732 | $344 |
| 35-44 | $1,273 | $253 |
| 45-54 | $1,044 | $208 |
| 55-64 | $888 | $177 |
| 65+ | $1,011 | $201 |
Quote data from MyChoice.ca, March 2025
Car Insurance Cost in Belleville by Driving History
Driving history impacts auto insurance premiums because insurance companies use it to gauge your accident risk. Drivers with many violations on record pay more for insurance because they’re more likely to re-offend, while safe drivers pay less because they’re less likely to get in an accident.
Traffic violations and demerits in Ontario “reset” after two years, but insurance companies can check your driving record as far as 10 years back.
Here’s a look at how different traffic offences influence car insurance rates:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,273 |
| Insurance cancellation due to non-payment | $2,089 |
| Licence suspension for alcohol-related offences | $1,528 |
| One accident | $2,802 |
| Speeding ticket | $1,656 |
Quote data from MyChoice.ca, March 2025
Driving in Belleville
The city of Belleville offers a charming blend of rural and urban areas. With its relatively low housing prices and diverse population, this picturesque city is popular with families and businesses.
What’s driving in Belleville like? Check out the key facts about driving in the city:
- Major highways in Belleville: 2, 401, 37, 62
- Public transit options: Belleville Transit (bus)
- Ridesharing services: Uber, Lyft
- Parking space providers: The City of Belleville, private lots
- Top tourist attractions: Tyendinaga Cavern and Caves, Zwick Centennial Park, Grills Orchards, Vanderwater Conservation Area, Boretski Gallery
- Busy intersections: Franklin Avenue and Joralemon Street, Franklin Avenue and Mill Street/Park Drive
- Airports: Belleville Aerodrome
Main Mode of Commuting in Belleville
Like most small towns, Belleville commuters mostly prefer traveling by car. This is backed up by the data that shows 88.5% of Belleville commuters use cars to get to work. Walking is the second-most popular option, making up 5.7% of the town’s commuter base. Here’s a closer look at how Belleville’s commuters travel:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 18,805 | 100.0 |
| Car, truck or van | 16,640 | 88.5% |
| Car, truck or van – as a driver | 15,190 | 80.8% |
| Car, truck or van – as a passenger | 1,450 | 7.7% |
| Public transit | 620 | 3.3% |
| Walked | 1,080 | 5.7% |
| Bicycle | 140 | 0.7% |
| Other method | 335 | 1.8% |
Commuting Duration in Belleville
Belleville is a small town, so commute times are relatively short. Nearly half of the town’s commuters spend less than 15 minutes getting to work. People who spend over 30 minutes on their commute are few and far between, only making up 20% of all Belleville’s commuters. Here’s a closer look at the commuting duration in Belleville:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 18,805 | 100.0 |
| Less than 15 minutes | 9,285 | 49.4% |
| 15 to 29 minutes | 6,070 | 32.3% |
| 30 to 44 minutes | 2,100 | 11.2% |
| 45 to 59 minutes | 585 | 3.1% |
| 60 minutes and over | 8,775 | 4.1% |
Driving Conditions in Belleville
Weather conditions like rain, hail, and snow affect auto insurance premiums because they influence your driving risk. Here’s an overview of the driving conditions in Belleville:
- Average daily commute time: 36 minutes round trip
- Average annual rainfall: 49.58 mm
- Average annual snowfall: 36.16 mm
- Rainy days per year: 145 days
- Rainiest month in Belleville: October
- Driest months in Belleville: February
- Snow days per year: 48 days
- Snowfall months in Belleville: October – April
Traffic in Belleville
Belleville is a small town with around 50,000 residents. Traffic here may not be as intense as in big cities like Toronto, but it’s still good to know the key traffic stats.
Here are some of the most important traffic facts in Belleville:
- Population: 50,716 people live within Belleville’s city limits.
- City area: Belleville’s city area spans 247.21 km2.
- Average commute distance: The average Belleville resident travels x km to their workplace or school.
- Time spent in traffic annually: The average Belleville resident spends 36 minutes in traffic daily, totalling roughly 219 hours per year.
- Busiest highways: Belleville is one of the exits on Highway 401, which sees over 500,000 vehicles daily.
The Most Common Questions About Car Insurance in Belleville
How much does Belleville car insurance cost?
Car insurance in Belleville costs $1,239/year.
Does my Belleville car insurance work in the US?
Belleville car insurance policies also work in the US because both countries share a similar legal system. However, ensure you double-check with your insurer before travelling.
How can you get cheap car insurance in Belleville?
Compare car insurance rates in Belleville with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.