Car Insurance in Bradford at a Glance
| Average annual premium: | $1,931 |
| YoY city rate change: | +3.6% |
| Average monthly premium: | $161 |
| Bradford premium vs. Ontario average: | -9.1% less expensive |
| Maximum savings with MyChoice: | $1,102 |
Quote data from MyChoice.ca, June 2026
How Does Car Insurance Work in Bradford?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in Bradford when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Bradford referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $862 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $1,069 |
| Coverage Total: | $1,931 |
Quote data from MyChoice.ca, June 2026
*Starting July 1st, 2026, Ontario is splitting Accident Benefits into mandatory and optional components. Income replacement, caregiver benefits, and death benefits are no longer automatically included. Your policy will auto-renew with your current coverage, but if you’re buying a new policy after July 1, you’ll need to actively choose these add-ons.
Mandatory Coverages:
The coverages below are mandatory in Bradford and will always be included in a standard car insurance quote.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued. | $270 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault. | $577 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage. | $15 |
| Coverage Total: | $862 |
Quote data from MyChoice.ca, June 2026
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for Bradford may be removed from your quote. However, we strongly recommend keeping them to ensure adequate protection.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $472 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $289 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $209 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $24 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $26 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $19 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $28 |
| OPCF 43: Waiver of Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $1,069 |
Quote data from MyChoice.ca, June 2026
How Bradford Car Insurance Rates Compare to Nearby Cities
Drivers in Bradford typically see mid-range insurance rates in the region. Here’s how local premiums compare:
| City | Average Annual Car Insurance Premium | Difference from Bradford Premium |
|---|---|---|
| Bradford, ON | $1,931 | – |
| Newmarket, ON | $2,132 | +10.4% |
| Innisfil, ON | $2,287 | +18.4% |
| Barrie, ON | $2,111 | +9.3% |
| Aurora, ON | $2,214 | +14.7% |
| Richmond Hill, ON | $2,413 | +25.0% |
Quote data from MyChoice.ca, June 2026
Car Insurance Cost in Bradford by Age
Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents.
Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen.
Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time.
Take a look at how much car insurance costs can vary by age in Bradford:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18–20 | $5,542 | $1,102 |
| 21-24 | $2,858 | $568 |
| 25–34 | $2,202 | $437 |
| 35-44 | $1,931 | $384 |
| 45-54 | $1,641 | $326 |
| 55-64 | $1,526 | $303 |
| 65+ | $1,564 | $311 |
Quote data from MyChoice.ca, June 2026
Car Insurance Cost in Bradford by Driving History
Take a look below at how car insurance quotes vary by violation in Bradford:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,938 |
| Insurance cancellation due to non-payment | $2,694 |
| Licence suspension for alcohol-related offences | $2,035 |
| One at-fault accident | $3,798 |
| Minor speeding ticket | $2,345 |
All estimated rates are based on a 35-year-old female driving a 2024 Honda Civic four-door.
Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following.
- Demerit point total
- Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
- Records of collisions
- Any driver’s license replacements/renewals
A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.
In Ontario, driving violations remain on your record for two years, and they can affect your premiums.
Car Insurance Cost in Bradford by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Bradford. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda Civic | $2,076 |
| Toyota Corolla | $1,899 |
| Toyota RAV4 | $2,123 |
| Honda CR-V | $2,229 |
| Hyundai Elantra | $2,155 |
| Tesla Model 3/Y | $2,258 |
| Mazda CX-5 | $2,059 |
| Nissan Rogue | $1,846 |
| Ford F-150 | $1,940 |
| Honda Accord | $2,157 |
| Hyundai Tucson | $2,042 |
| RAM 1500 | $2,284 |
| Kia Sportage | $1,741 |
| Toyota Camry | $1,813 |
| Chevrolet Equinox | $1,685 |
Quote data from MyChoice.ca, June 2026
The Best Car Insurance Brokerages in Bradford
Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.
Here are several brokers in Bradford that you can contact for extra assistance when seeking car insurance:
| Brokerage | Address | Phone number |
|---|---|---|
| Lomonte & Collings Insurance Services | 4C7W+VV Bradford, Bradford West Gwillimbury, ON, Canada | +19057755411 |
| Tupling Insurance Brokers Ltd | 198 Holland St E, Bradford, ON L3Z 1H7, Canada | +19057753379 |
| Dracup Insurance Brokers Ltd | 442 Holland St W #3, Bradford, ON L3Z 0G1, Canada | +19052222447 |
| Debbie Moran Desjardins Insurance Agent | 100 Dissette St Unit 5, Bradford, ON L3Z 3G8, Canada | +19057753584 |
Driving in Bradford
Bradford West Gwillimbury is a growing commuter town where traffic congestion has increased in recent years. Exercise care when driving, particularly during peak commuting hours.
Here are some key facts about driving in Bradford you should know:
- Major highways in Bradford: 400, 9
- Public transit options: BWG Transit
- Ridesharing services: Uber, Lyft, Blacklane, SuperShuttle, Talixo
- Parking space providers: The Town of Bradford West Gwillimbury, private lots
- Busy intersections: Professor Day Drive and Line 8, 10th Sideroad and Line 8
- Airports: Bradford Aerodrome
Driving Conditions in Bradford
Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Bradford:
- Average annual rainfall: 845 mm
- Average annual snowfall: 132.5 cm
- Rainy days per year: 115 days
- Rainiest month in Bradford: June
- Driest months in Bradford: January, February
- Snow days per year: 55 days
- Snowfall months in Bradford: November – March
Traffic in Bradford
What does traffic look like in Bradford? Here’s a quick look:
- Population: 35,325 people live within Bradford’s city limits.
- City area: Bradford’s city area spans 201.04 km2.
- Busiest highways: Bradford’s southern border is connected to Highways 400 and 9.