When it comes to auto insurance, Bradford drivers have much to consider. Commuting in and around Bradford frequently includes driving on Highway 400 or Highway 9. The city’s rapid development keeps roads under constant construction. And, Bradford’s low-lying farmland is ripe for foggy weather. All of this makes for an interesting drive.
This page will help you to compare insurance quotes in Bradford to rates in nearby communities, rates for drivers of different ages, the effect of claims, and more.
Bradford Auto Insurance: Key Premium Facts
According to our internal data, the median annual car insurance quote in Bradford is $1,908.
| Median annual premium | $1,908 |
| Median monthly premium | $159 |
| Bradford premium vs. Ontario Median | 18.6% less expensive |
| Cheapest Postal Code | L3Z ($1,908) |
| Most Expensive Postal Code | L3Z ($1,908) |
Comparing Bradford with Nearby Insurance Markets
Bradford has the lowest median among the nearby communities in the table below. Barrie is closest at $2,203, which is $295 more per year. Innisfil, Newmarket, Aurora and Richmond Hill are all farther above Bradford’s $1,908.
| City | Median Annual Car Insurance Premium | Difference from Bradford Premium |
|---|---|---|
| Bradford, ON | $1,908 | — |
| Newmarket, ON | $2,557 | +34.0% |
| Innisfil, ON | $2,311 | +21.1% |
| Barrie, ON | $2,203 | +15.5% |
| Aurora, ON | $2,673 | +40.1% |
| Richmond Hill, ON | $2,780 | +45.7% |
Commuting, Fog, and Fast Growth in Bradford
Drivers in Bradford should slow down sooner than usual as visibility decreases. Fog can collect in low lying agricultural areas. Allow extra time for intersections and rush-hour traffic. Bradford is a community that is changing and growing rapidly. Drivers in Bradford should be mindful of this when travelling to Highway 400 or other regional employment centres. Construction may affect typical driving routes.
What Makes Up the Bradford Premium?
Vehicle damage protection is the largest part of Bradford’s $1,908 premium at $867.77. Legally required coverage is almost the same at $863.61.
Reducing collision or comprehensive coverage or changing deductibles may reduce the quoted price. But be aware that by reducing your insurance costs now, you’re increasing what you will have to pay out-of-pocket in case of vehicle damage, theft, or some other covered event. So, collision, comprehensive, and deductibles should be considered carefully.
| Part of the policy | What is included | Median Annual Car Insurance Premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; mandatory medical, rehabilitation and attendant care; Uninsured Automobile | $863.61 |
| Vehicle damage protection | DCPD; Collision; Comprehensive | $867.77 |
| Optional Accident Benefits | Selected optional benefits shown below | $166.39 |
| Optional endorsements | OPCF 44R – Family Protection | $10.24 |
| Coverage Total: | $1,908 |
The Optional Accident Benefits and endorsements in the tables below cost less on your Bradford quote. Their value, however, depends on the financial support and family protection you need.
Comparing Bradford Premiums by Driver Age
Experience-related costs are highest at the start of a Bradford driving career. The 18–20 group reaches $4,633, compared with $1,908 for drivers aged 35–44 and $1,397 for those aged 65+.
| Age | Median Annual Car Insurance Premium |
|---|---|
| 18-20 | $4,633 |
| 21-24 | $2,431 |
| 25-34 | $2,383 |
| 35-44 | $1,908 |
| 45-54 | $1,455 |
| 55-64 | $1,426 |
| 65+ | $1,397 |
Read More: Car Insurance Tips for Young and New Bradford Drivers
How Your Record Affects Car Insurance in Bradford
Keeping a clean driving record is one of the best ways to lower your insurance rates at renewal. Paying premiums on time will also help to avoid additional expenses from a cancelled insurance policy due to non-payment.
Please note that costs associated with DUI/DWI and stunt driving convictions are very approximate. There are less auto insurers who will quote these kinds of convictions as they often fall under the category of high-risk auto insurance .
| Driving record | Median Annual Car Insurance Premium |
|---|---|
| Clean | $1,908 |
| Minor speeding ticket | $2,400 |
| One at-fault accident | $2,534 |
| Insurance cancellation (non-payment) | $2,190 |
| Licence suspension | $2,582 |
| Impaired driving conviction | $4,883 |
| Stunt driving conviction | $3,310 |
Read More: A Guide to Car Insurance for High-Risk Drivers
How Can I Lower My Car Insurance Rates in Bradford?
Of course, some aspects of what determines insurance rates, your age, your postal code and your driving record, for example, can’t be controlled. But there are definite things that Bradford drivers can do to cut insurance rates.
Compare different insurance companies on MyChoice. Raise your deductible, which lowers your insurance costs. Bundle policies (home/tenant), take advantage of any available discounts, such as for a telematics program or winter tires, and declare the number of kilometers you drive per year.
Vehicle choice can make a big difference too. If you are shopping for a car, check our guide to the cheapest cars to insure in Ontario and get an insurance quote for the exact year, model and trim before committing. A cheaper car is not always the cheapest to insure.
