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Bradford Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
$46.95May 21, 2024, 10:07 AMHome44FemaleL6Y0E8
$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 16, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 16, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Bradford

  • Bradford car insurance is MORE expensive than the Ontario average.
  • The average annual car insurance cost in Bradford for a driver with comprehensive/collision coverage and a clean driving record is around $1,754.
  • Comparing Bradford auto insurance quotes with MyChoice can save you up to $1,245 annually.

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:

BrokerageAddressPhone 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

Auto Insurance by Postal Code in Bradford

Car insurance in Bradford costs an average of $1,754, about $70 more than Ontario’s provincial average. The city has only one postal code, L3Z, so it has one unified car insurance rate.

Postal CodeAverage Annual Car Insurance Premium
L3Z$1,754

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:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$6,262$1,245
21-24$3,578$712
25-34$2,385$474
35-44$1,754$349
45-54$1,438$286
55-64$1,223$243
65+$1,394$277

Car Insurance Cost in Bradford by Driving History

Take a look below at how car insurance quotes vary by violation in Bradford:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,754
Insurance cancellation due to non-payment$2,877
Licence suspension for alcohol-related offences$2,105
One accident$3,859
Speeding ticket$2,280

All estimated rates are based on a 35-year-old female driving a 2018 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, but they can affect your pre

Driving in Bradford

Bradford was named one of the worst cities for driving in Ontario. This means Bradford has had many instances of people getting in accidents and getting ticketed – and sometimes both. Therefore, you should exercise extra care when driving in Bradford.

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
  • Top tourist attractions: Holland Marsh, Scanlon Creek, The Village Inn, The Highlands Golf Club
  • Busy intersections: Professor Day Drive and Line 8, 10th Sideroad and Line 8
  • Airports: Bradford Aerodrome

Main Mode of Commuting in Bradford

While Bradford has a robust public transit system, cars are still the most popular commuting mode in the town. Here’s a breakdown of commuting information in Bradford:

  • Average commute distance: The average Bradford resident travels x km to their workplace or school. 
  • Commute duration: Most (27.8%) Bradford household members spent 30 to 44 minutes on their commutes. 
  • Main mode of commuting: Cars, trucks, and vans are the most popular commuting modes in Bradford, with 93.5% of households using them. 85.8% of these households are drivers, while 7.7% are passengers.

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: 33.9 mm
  • Average annual snowfall: 96 mm
  • Rainy days per year: 44
  • Rainiest month in Bradford: June
  • Driest months in Bradford: January, February
  • Snow days per year: 110
  • Snowfall months in Bradford: October-April

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.

Commonly Asked Questions About Bradford Car Insurance

How much does Bradford car insurance cost?

Bradford car insurance costs $1,754/year.

Is car insurance cheaper in Bradford than in Toronto?

Car insurance in Bradford is cheaper than in Toronto. There’s a difference of roughly $400 between the two cities’ average auto insurance rates.

Why should you compare car insurance rates in Bradford?

You should compare car insurance rates in Bradford because different insurers provide different coverage at different prices. Comparing rates help you choose which policy has the best value.

How can you get cheaper auto insurance in Bradford?

Compare car insurance rates in Bradford with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Sources

1. Mychoice.ca Internal Data, Auto Insurance by Postal Code, Ontario, Bradford, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Bradford, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Bradford, Car Insurance Quotes Collected, 2023.

4. City of Bradford Website, Driving & Transit Information. Data Collected, 2023.

5. Statistics Canada, 2021, Census of Population, Ontario, Bradford, Main Mode of Commuting. Data Published March 29, 2023.

6. Weather Network Canada, Historical Averages, Ontario, Bradford.

7. 511 Ontario Traveller Information, Ontario, Bradford.

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