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 | $820 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $1,051 |
| Coverage Total: | $1,871 |
Mandatory Coverages:
| 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. | $246 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault. | $559 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage. | $15 |
| Coverage Total: | $820 |
*The above coverages are mandatory in Bradford and will always be included in a standard car insurance quote.
Highly Recommended Coverages:
| 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. | $459 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $280 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $202 |
| 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. | $23 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $24 |
| 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. | $27 |
| OPCF 43: Waiver of Depreciacion | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $1,051 |
*Any of the above highly recommended coverages in Bradford may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
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 |
|---|---|
| Bradford, ON | $1,871 |
| Barrie, ON | $1,915 |
| Newmarket, ON | $2,066 |
| Richmond Hill, ON | $2,309 |
| Aurora, ON | $2,023 |
| Vaughan, ON | $2,451 |
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 | Average Savings with MyChoice |
|---|---|---|
| 18–20 | $5,370 | $1,068 |
| 21–24 | $2,769 | $551 |
| 25–34 | $2,133 | $424 |
| 35–44 | $1,871 | $372 |
| 45–54 | $1,590 | $316 |
| 55–64 | $1,478 | $294 |
| 65+ | $1,516 | $301 |
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 | $1,871 |
| Insurance cancellation due to non-payment | $2,601 |
| Licence suspension for alcohol-related offences | $1,965 |
| One at-fault accident | $3,667 |
| Minor speeding ticket | $2,264 |
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, 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 | $1,717 |
| Toyota | $1,970 |
| Hyundai | $1,887 |
| Mazda | $1,745 |
| Ford | $1,713 |
| BMW | $2,178 |
| Mercedes | $1,854 |
| Nissan | $1,896 |
| Volkswagen | $1,721 |
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 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 $1,871/year.
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.