How Can You Get Cheap Car Insurance in Brantford?
You can get cheap Brantford car insurance by finding the best deals. Here are several tips to help you do so:
How Does Car Insurance Work in Brantford?
Car insurance in Brantford works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Brantford is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.
Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in Brantford.
Here’s a breakdown of the key elements of your auto insurance policy:
How Your Car Insurance Quotes Are Calculated in Brantford
Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.
Here are seven factors that influence your Brantford car insurance quotes:
Most Expensive Postal Codes in Brantford
Brantford, Ontario’s annual average auto insurance premium is $1,478, around $100 more than Ontario’s provincial average of $1,385. The N3P area in Northeast Brantford has the highest car insurance premiums, detailed in the table below:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| N3P | $1,486 |
| N3R | $1,481 |
| N3S, N3T | $1,478 |
Least Expensive Postal Codes in Brantford
The N3V region in Northwest Brantford boasts the lowest car insurance premiums. You can check the details below:
| Postal Code | Average annual car insurance premium |
|---|---|
| N3V | $1,467 |
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:
| Age Group | Average annual insurance cost | Average savings with MyChoice |
|---|---|---|
| 18-20 | $5,276 | $1,049 |
| 21-24 | $3,015 | $600 |
| 25-34 | $2,010 | $400 |
| 35-44 | $1,478 | $294 |
| 45-54 | $1,212 | $241 |
| 55-64 | $1,030 | $205 |
| 65+ | $1,174 | $234 |
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 violation | Average annual car insurance rate |
|---|---|
| Clean driving record | $1,478 |
| Insurance cancellation due to non-payment | $2,424 |
| Licence suspension for alcohol-related offences | $1,771 |
| One accident | $3,258 |
| Speeding ticket | $1,924 |
Other Factors That Affect Car Insurance Prices in Brantford
We’ve covered several factors that influence car insurance rates in Brantford. Aside from those, several extra factors play a part in determining your Brantford auto insurance premiums:
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:
| Brokerage | Address | Phone Number |
|---|---|---|
| Westland Insurance | 195 Henry St unit 1, Brantford ON N3S 5C9, Canada | +15197562200 |
| BrokerLink | 53 Charing Cross St, Brantford ON N3R 7K9, Canada | +15197592110 |
| Billyard Insurance Group – Brantford | 155 Lynden Rd #4, Brantford ON N3R 8A7, Canada | +15197594128 |
| Allstate Insurance: Brantford Commons Agency | 300 King George Rd Unit H5, Brantford ON N3R 5L8, Canada | +12264007178 |
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 commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 38,205 | 100.0 |
| Car, truck or van | 34,890 | 91.3% |
| Car, truck or van – as a driver | 31,580 | 82.7% |
| Car, truck or van – as a passenger | 3,310 | 8.7% |
| Public transit | 1,210 | 3.2% |
| Walked | 1,335 | 3.5% |
| Bicycle | 170 | 0.4% |
| Other method | 605 | 1.6% |
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 duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 38,205 | 100.0 |
| Less than 15 minutes | 15,815 | 41.4% |
| 15 to 29 minutes | 10,315 | 27.0% |
| 30 to 44 minutes | 6,310 | 16.5% |
| 45 to 59 minutes | 2,980 | 7.8% |
| 60 minutes and over | 2,785 | 7.3% |
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.
Who Provides Car Insurance Quotes in Brantford?
Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Brantford. Here’s an overview of these four insurance quote providers:
The Most Common Questions About Car Insurance in Brantford
How much is car insurance in Brantford?
On average, car insurance in Brantford costs $1,478 annually or around $123 monthly.
What are the best car insurance companies in Brantford?
The best car insurance company in Brantford depends on the kind of protection you need and your risk profile. Use MyChoice to compare insurers to see which one is right for you.
Who has the cheapest auto insurance in Brantford?
As rates depend on your protection needs, risk profile, and other factors, who provides the cheapest auto insurance in Brantford varies from case to case. Use MyChoice to compare rates for you!
Is car insurance cheaper in Brantford than Hamilton?
At $1,478, Brantford’s average annual car insurance is almost $60 more expensive than Hamilton’s $1,419.
Which cars get the lowest car insurance premiums in Brantford?
According to our research, Fiats have the lowest car insurance premiums in Brantford at $126/month.
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.
What information do you need for an auto insurance quote in Brantford?
To get an auto insurance quote in Brantford, you need to provide basic information like your personal details alongside your car’s make, model, and production year. Your quote might be even more accurate if you provide additional details like your driving history and vehicle identification number.