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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.45Jun 19, 2024, 04:08 PMAuto59FemaleK6J4P2
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$24.31Jun 19, 2024, 03:31 PMTenant30FemaleM1H2E4

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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 Brantford

  • Brantford car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Brantford for a driver with comprehensive/collision coverage and a clean record is around $1,642.
  • Comparing Brantford auto insurance quotes with MyChoice can save you up to $1,165 annually.

The Best Car Insurance Brokerages in Brantford

Car insurance brokers make shopping for insurance easier thanks to their extensive knowledge of auto insurance. They can answer your questions and compare deals from multiple companies to ensure you get the best auto insurance deal.

There are various insurance brokers in Brantford to help you find the best policy deals. Here are some Brantford brokers you can visit:

BrokerageAddressPhone Number
Westland Insurance195 Henry St unit 1, Brantford
ON N3S 5C9, Canada
BrokerLink53 Charing Cross St, Brantford
ON N3R 7K9, Canada
Billyard Insurance Group – Brantford155 Lynden Rd #4, Brantford
ON N3R 8A7, Canada
Allstate Insurance:
Brantford Commons Agency
300 King George Rd Unit H5, Brantford
ON N3R 5L8, Canada

Most Expensive Postal Codes in Brantford

Brantford, Ontario’s annual average auto insurance premium is $1,642, around $30 less than Ontario’s provincial average of $1,673. The N3P area in Northeast Brantford has the highest car insurance premiums, detailed in the table below:

Postal CodeAverage Annual Car Insurance Premium
N3S, N3T$1,678

Least Expensive Postal Codes in Brantford

The N3V region in Northwest Brantford boasts the lowest car insurance premiums.

Postal CodeAverage Annual Car Insurance Premium

Car Insurance Cost in Brantford by Age

Like most of Canada, car insurance rates in Brantford rise and fall based on your age. 

Younger people pay higher premiums due to their perceived inexperience on the road, but their rates will lower with age. Once you reach 65 years of age, premiums will rise again because senior citizens are more likely to be hurt or killed in an accident.

Here’s a look at car insurance costs in Brantford, categorized by age:

AgeAverage Annual RatesAverage Savings with MyChoice

Car Insurance Cost in Brantford by Driving History

Your driving history influences Brantford auto insurance premiums because insurers use it to gauge your driving risk. Ontario laws state driving violations and demerit points stay on your record for two years, but many insurers check your driving record as far as 10 years back.

Clean drivers get lower premiums because insurers think you’re less likely to get into an accident. Conversely, a record full of violations means you’re a high-risk driver – this saddles you with higher premiums.

Here’s how various traffic violations can influence your insurance rates based on our research:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,642
Insurance cancellation due to non-payment$2,693
Licence suspension for alcohol-related offences$1,970
One accident$3,612
Speeding ticket$2,135

Driving in Brantford

Known as the residence of Alexander Graham Bell and the birthplace of hockey legend Wayne Gretzky, Brantford is a medium-sized city with many growing families. Here are some key facts about driving in Brantford:

  • Major highways in Brantford: 403, 24
  • Public transit options: Brantford Transit (bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Brantford, private lots
  • Top tourist attractions: Bell Homestead, Wayne Gretzky Sports Centre, Glenhyrst Art Gallery and Gardens, Canadian Military Heritage Museum, Woodland Cultural Centre
  • Busy intersections: Dalhousie and Clarence, St. Paul Avenue and Dundas Street
  • Airports: Brantford Municipal Airport

Main Mode of Commuting in Brantford

Brantford is a small town, so there are only around 38,000 commuters, most of which commute with a personal vehicle. Interestingly, there are more people who choose to walk to work instead of using public transportation. Here’s a detailed look at the commuting modes in Brantford:

Main mode of commutingCountsRates
Total – 25% Sample Size38,205100.0
Car, truck or van34,89091.3%
Car, truck or van – as a driver31,58082.7%
Car, truck or van – as a passenger3,3108.7%
Public transit1,2103.2%
Other method6051.6%

Commuting Duration in Brantford

Nearly half of Brantford commuters take less than 15 minutes to get to work, which is understandable for a small city. In fact, almost two-thirds of the city takes under half an hour to arrive at work. Here’s a closer look at the commuting duration in Brantford:

Commuting durationCountsRates
Total – 25% Sample Size38,205100.0
Less than 15 minutes15,81541.4%
15 to 29 minutes10,31527.0%
30 to 44 minutes6,31016.5%
45 to 59 minutes2,9807.8%
60 minutes and over2,7857.3%

Driving Conditions in Brantford

Local driving conditions may also influence insurance premiums. Here’s a quick overview of Brantford’s driving conditions:

  • Average daily commute time: 46 minutes round trip
  • Average annual rainfall: 34.39 mm
  • Average annual snowfall: 495 mm
  • Rainy days per year: 46
  • Rainiest month in Brantford: July
  • Driest month in Brantford: September
  • Snow days per year: 65
  • Snowfall months in Brantford: January – May, October – December

Traffic in Brantford

Brantford boasts around 100,000 residents, making it a very small city compared to Toronto’s population of 2.7 million. While traffic in Brantford won’t be as heavy or intense as in Toronto, it’s still a good idea to learn the key facts about traffic in the city to regulate your risk.

Here’s a quick look at what driving in Brantford is like:

  • Population: 104,688 people live within Brantford’s city limits.
  • City area: Brantford’s city area spans 98.65 km2.
  • Average commute distance: The average Brantford resident travels 5.3 km to their workplace or school. 
  • Time spent in traffic annually: Most Brantford residents spend 46 minutes in traffic daily, totalling roughly 280 hours per year.
  • Busiest highways: The main access to Brantford is Highway 403, which reunites with Highway 401, the busiest highway in North America. Over 400,000 vehicles pass through Highway 401 daily.

The Most Common Questions About Car Insurance in Brantford

How much is car insurance in Brantford?

On average, car insurance in Brantford costs $1,642 annually.

Is car insurance cheaper in Brantford than Hamilton?

At $1,642, Brantford’s average annual car insurance is slightly less expensive than Hamilton’s $1,659.

Why should you compare car insurance rates in Brantford?

You should compare car insurance rates in Brantford to see whether your first choice provides you with the best-valued deal.

How can you get cheaper auto insurance in Brantford?

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


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Brantford, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Brantford, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Brantford, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Brantford, Car Insurance Quotes Collected, 2024.

5. City of Brantford Website, Driving & Transit Information. Data Collected, 2024.

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

7. Statistics Canada, 2021, Census of Population, Ontario, Brantford, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, Brantford.

9. 511 Ontario Traveller Information, Ontario, Brantford.

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