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Brockville Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$105.26Sep 20, 2023, 10:27 PMAuto60MaleL3Y8H4
$64.39Sep 20, 2023, 08:06 PMHome43FemaleM1H3K2
$14.58Sep 20, 2023, 08:58 PMTenant26MaleL4C9L1

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

Updated September 15, 2023

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

Updated September 15, 2023

Visit author page
Article Contents

How Can You Get Cheap Car Insurance in Brockville?

You can get cheap Brockville car insurance by finding the best deals. Here are several tips to help you do so:

Compare Rates Between Insurers

Brockville has a highly competitive auto insurance market, so insurers are constantly vying for your business. When insurers try to give you the best deals, it’s you who wins. Compare rates and shop around to see which insurance provider fits your auto protection needs affordably.

Take Bundled Policies

One of the best ways to save money while shopping is to buy a package deal, and insurance is no different. If you bundle home and auto insurance from the same company, you’re much more likely to get lower rates.

Ask For A Higher Deductible

You must pay a deductible on insurance claims before your carrier covers the remaining expenses. A higher deductible means paying extra if something happens to your car, but it also means you’ll get lower insurance premiums.

Request Group Discounts

Many insurance companies deal in group discounts for companies and other organizations. If you’re shopping for auto insurance in Brockville for work, ask your agent about group deals and discounts.

Pay Annual Premiums

Paying annual insurance premiums might look expensive initially, but it’s generally cheaper than paying them monthly. Ask your insurers about half-year premiums if you can’t afford annual premiums.

Drive Safely

Motor vehicle offences and accidents stay on your record for years. Unfortunately, any driving violation on your record will considerably increase your insurance rates. However, this also means you’ll get lower auto insurance rates if you have no offences on record.

Consider Taking Usage-Based Insurance

Usage-based insurance (UBI) or pay-as-you-go insurance tracks your driving behaviour to determine how much you must pay for insurance. Taking UBI lets you save up to 30% on your annual premiums, so it’s a good option if you consider yourself a safe driver.

Take Driving Courses

Accredited driving lessons make you a safer driver and let you earn discounts on auto insurance in Brockville.

Choose the Coverage You Need

Naturally, more insurance protection leads to higher rates. While some auto insurance coverage is mandatory, you have optional insurance coverage like at-fault accident and theft protection. Review your policy and skip unnecessary optional coverage to save on insurance premiums.

Buy Affordable Cars

Cars that are expensive and hard to replace tend to get hit with higher premiums. If possible, buy affordable and reliable cars that are more common and easy to repair or replace if you want lower insurance rates.

Quick Facts About Auto Insurance in Brockville

  • Brockville car insurance is less expensive than the Ontario average.
  • The average annual car insurance cost in Brockville for a driver with a clean record is around $1,095.
  • Drivers without a clean record in Brockville can pay up to $2,413 annually, depending on factors like driving and claim history.
  • Comparing Brockville auto insurance quotes with MyChoice can save you up to $778 annually.

How Does Car Insurance Work in Brockville?

Car insurance in Brockville works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Brockville 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 Brockville.

Here’s a breakdown of the key elements of your auto insurance policy:

The mandatory car insurance requirement for Brockville drivers are:

Third-Party Liability (TPL) Coverage 

This insurance component provides financial compensation if you cause an accident that results in car damage or somebody getting hurt or killed. Per Financial Services Commission of Ontario (FSCO) regulations, you need at least $200,000 in TPL coverage.

Statutory Accident Benefits Coverage

This insurance component pays for your medical bills, rehabilitation, and possible funeral expenses if you get hurt or killed in a car accident, regardless of who’s at fault. Accident benefits coverage also offers income replacement worth 70% of your gross income, capped at $400 per week.

Uninsured Automobile Insurance 

Uninsured automobile insurance covers your medical bills and funeral expenses if you’re struck by uninsured vehicles or hit-and-run drivers. Additionally, it compensates for vehicular damage caused by uninsured drivers.

Direct Compensation – Property Damage (DC-PD) Insurance

DC-PD insurance compensates you for the damage other drivers cause in an accident. However, DC-PD only kicks in if the other person is at fault, they’re also insured, and the accident takes place in Brockville. 

Once you meet the minimum car insurance coverage requirements, you can legally drive in Brockville. However, it pays to have extra protection beyond the basics in case you get in an accident.

Since minimum car insurance only goes so far, we’ve got some extra Brockville car insurance recommendations for you:

Extra TPL Coverage

The mandatory $200,000 insurance minimum can be too small, so many drivers choose to get coverage up to $2 million if they cause property damage or hurt somebody in an accident.

Additional Statutory Accident Benefits

Many people get additional coverage for medical bills and funeral expenses in their statutory accident coverage. You can also get extra income replacement protection if 70% income capped at $400 a week seems too limited.

More Comprehensive Property Damage Protection

DC-PD coverage has very specific coverage terms like the other driver also needs to be insured, and the accident must occur in Brockville. To cover their bases, many people purchase extra insurance that still protects them even when the other driver is uninsured, and the accident happens in other provinces.

In addition to mandatory insurance coverage outlined by the FSCO, you can take optional insurance coverage like:

Specified Perils Protection

Specified perils insurance coverage protects you from loss or damage due to a specific cause. The most common perils insured are:

Many insurers also offer comprehensive auto insurance in Brockville if you want protection from all these perils.

Accident Forgiveness

Insurers usually raise your premiums if you’re at fault for causing an accident. If you’ve been a safe driver for several years, you can take extra accident forgiveness coverage so you won’t get higher premiums if you cause an accident. Note that accident forgiveness only works on your first accident, and subsequent violations will still raise your rates.

Limited Depreciation Waiver

If you take a limited waiver of depreciation, you can receive your car’s purchase price as compensation if it’s been stolen or deemed a total loss after an accident. 

How Your Car Insurance Quotes Are Calculated in Brockville

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 Brockville car insurance quotes:

Age, Gender, and Marital Status

Your personal demographics influence auto insurance premiums in Brockville because different people have varying accident risks. 

Younger people tend to get higher premiums because insurance companies see them as more accident-prone than older people. Generally, your car insurance rates start decreasing when you hit 25 years old as long as you keep a safe driving record. However, insurance premiums increase again for people aged 65 and older because they’re more likely to be injured or killed in traffic accidents.

Women often get lower insurance rates because they’re seen as more careful drivers and don’t take as many risks as men.

Marital status also determines your rates because most insurance companies see married people as more financially stable and less-risky drivers. Married couples also tend to bundle home and auto insurance, saving more on premiums.


People who live in urban areas often see higher insurance premiums because they’re more prone to car accidents and theft. 

Car Make and Model

Expensive cars are more costly to repair or replace, so insurance premiums are usually higher than more common vehicles. You can install security features like anti-theft devices if you have an expensive car and want to save on insurance premiums.

Driving History

People who drive safely are rewarded with lower premiums because they’re usually less likely to get into a traffic accident. Conversely, people who have gotten into multiple accidents get higher premiums because they’re more likely to be involved in another accident down the line.

Driving Activity

Logic dictates that people who drive frequently are more likely to get in an accident. Therefore, kilometres driven is one of the determining factors that set your Brockville auto insurance rates.

Insurance Coverage Chosen

Your coverage options influence your insurance rates because taking more coverage gives you more protection. Naturally, the more coverage you choose, the higher your rates.

Policy Discounts

Getting discounts can lower your auto insurance rates and make them more affordable. You can typically get discounts by bundling home and auto insurance or asking for a group discount for your workplace or organization.

Most Expensive Postal Codes in Brockville

Since there’s only one postal code in Brockville, K6V is by default the most expensive area for auto insurance in the city. Fortunately, at $1,095/year, Brockville is one of the cheapest cities for car insurance in Ontario

Here’s a detailed look at auto insurance rates in the city:

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Brockville

Brockville only has one postal code, so there are no places where auto insurance rates are below the city average.

Car Insurance Cost in Brockville by Age

Your age impacts car insurance rates because it affects your accident risk. Younger drivers get charged more because they’re more likely to get in accidents, while older drivers get higher rates because they’re more likely to get seriously hurt or even die in accidents.

Here’s how your age influences auto insurance rates in Brockville:

Age GroupAverage annual insurance costAverage savings with MyChoice

Car Insurance Cost in Brockville by Driving History

Your driving history and past violations influence auto insurance premiums because it predicts future driving behaviour. High-risk drivers often re-offend, so insurers give them higher rates. Meanwhile, safe drivers are likely to keep driving safely, leading to lower insurance rates.

In Ontario, traffic demerits and violations “reset” after two years. However, insurers sometimes check your driving record as far as 10 years back.

Here’s how your driving history influences car insurance rates: 

Driving violationAverage annual car insurance rate
Clean driving record$1,095
Insurance cancellation due to non-payment$1,796
Licence suspension for alcohol-related offences$1,312
One accident$2,413
Speeding ticket$1,426

Other Factors That Affect Car Insurance Prices in Brockville

We’ve covered several factors that influence car insurance rates in Brockville. Aside from those, several extra factors play a part in determining your Brockville auto insurance premiums:

Vehicle Model Accident Rates

Some cars are just more accident-prone than others. Even if you have a spotless driving record, owning a car model infamous for having high accident rates will increase your insurance premiums.

Vehicle Age

Naturally, older cars are more expensive to insure because they may not have all the safety features of newer vehicles. If you insist on driving a vintage car everywhere, make sure you can pay the insurance premiums.

Vehicle Repair Costs

The harder it is to repair a car, the more expensive it is to insure. You can expect high insurance premiums on luxury cars and foreign cars that don’t have a large dealership or service centre presence in Canada.

Vehicle Primary Usage and Annual Mileage

You may spend more or less time on the road depending on what you use the car for. Car usage influences insurance rates – generally, the more you use it, the higher your premiums. For instance, insurance premiums on a car you use as an Uber will be higher than on a car you almost exclusively take on weekend cruises.

A good way to measure how much somebody uses a car is by its annual mileage. If your car has low annual mileage, insurers may determine that this car is low-risk and thus grant you more affordable insurance rates.

Local Crime Rates

Living in high-crime areas means your car is at higher risk of being stolen or vandalized. If you live in an area where theft or vandalism often occurs, you may get higher car insurance rates.

Past Insurance Claims

Any auto insurance claims will drive your premiums up, regardless of who’s at fault. If you make many insurance claims, the insurer will see you as a high-risk policyholder and give you higher rates.

Loyalty Bonuses

Many insurance companies reward long-term customers with discounted rates. If you’ve been a policyholder at the same insurance company for several years, ask for a rate reduction or discount when you renew your policy.

The Best Car Insurance Brokerages in Brockville

Insurance brokers help you find the best-valued policy by comparing deals and answering questions. Here are several brokers in Brockville that you can visit for assistance in your search for auto insurance:

BrokerageAddressPhone Number
J.B. Kelly Waterway Insurance Brokers Ltd.7712 Kent Blvd Unit #9, Brockville
ON K6V 7H6, Canada
McDougall Insurance & Financial
– Brockville
35 King St W, Brockville
ON K6V 3P7, Canada
Mark Neuman Desjardins Insurance Agent68 William St #104, Brockville
ON K6V 4V5, Canada

Driving in Brockville

Brockville is known as the “City of the 1000 Islands” because it borders the east end of the Thousand Islands archipelago. This city is widely known for its small-town feel and numerous tourist attractions like hiking trails, skating rinks, and other nature-related activities.

Is driving in Brockville a great experience? Check out the key facts about driving in the city:

  • Major highways in Brockville: 401
  • Public transit options: Brockville Transit (bus), Via Rail (train)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Brockville, private lots
  • Top tourist attractions: Brockville Arts Centre, Brockville Museum, Aquatarium at Tall Ships Landing, St. Lawrence Park
  • Busy intersections: Franklin Avenue and Joralemon Street, Franklin Avenue and Mill Street/Park Drive
  • Airports: Brockville Regional Tackaberry Airport

Main Mode of Commuting in Brockville

Almost all of Brockville’s commuters prefer taking personal vehicles to work. With only 65 users, public transit isn’t that popular in the town. Most people who don’t use cars prefer walking, with 545 people reporting they walked to work regularly. Here’s a closer look at how Brockville’s residents commute:

Main mode of commutingCountsRates
Total – 25% Sample Size7,105100.0
Car, truck or van6,27088.2%
Car, truck or van – as a driver5,56578.3%
Car, truck or van – as a passenger7059.9%
Public transit650.9%
Other method1752.5%

Commuting Duration in Brockville

Brockville commuters enjoy fast travel times, with nearly two-thirds of them spending under 15 minutes getting to work. There are only around 1,200 people who spend more than 30 minutes getting to work, which further solidifies the town’s reputation for fast commutes. Here’s a closer look at the commuting duration in Brockville:

Commuting durationCountsRates
Total – 25% Sample Size7,105100.0
Less than 15 minutes4,56064.2%
15 to 29 minutes1,38519.5%
30 to 44 minutes4806.8%
45 to 59 minutes2553.6%
60 minutes and over4256.0%

Driving Conditions in Brockville

Driving conditions in Brockville can affect auto insurance premiums because they raise or lower your driving risk. Here’s a look at the driving conditions in the city:

  • Average daily commute time: 32 minutes round trip
  • Average annual rainfall: 55.75 mm
  • Average annual snowfall: 51.83 mm
  • Rainy days per year: 142 days
  • Rainiest month in Brockville: August
  • Driest months in Brockville: March, November
  • Snow days per year: 56 days
  • Snowfall months in Brockville: October – May

Traffic in Brockville

Brockville is a small town with around 20,000 residents, meaning traffic isn’t as crowded as in the big city. However, it’s still a good idea to learn the key traffic facts in Brockville:

  • Population: 21,854 people live within Brockville’s city limits.
  • City area: Brockville’s city area spans 20.90 km2.
  • Average commute distance: The average Brockville resident travels x km to their workplace or school. 
  • Time spent in traffic annually: The average Brockville resident spends 32 minutes in traffic daily, totalling roughly 195 hours per year.
  • Busiest highways: Brockville is one of the exits on Highway 401, a busy highway that can see 500,000 cars daily.

Who Provides Car Insurance Quotes in Brockville?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Brockville. Here’s an overview of these four insurance quote providers:

Insurance Brokers

Insurance brokers are independent professionals who help you shop for the best rates by comparing deals from multiple insurers. Because they have a bird’s-eye view of the current Brockville insurance landscape, they can show you which companies offer the best insurance deals and answer any questions you may have.

Brokers take a commission from insurance companies, which could increase your rates. You might spend more money than if you had found an insurer yourself.

Direct Writers

Like insurance agents, direct writers only sell insurance products from one company. Direct writers are typically found online and are cheaper because they don’t have physical offices.

Insurance Agents

Insurance agents work for a certain insurer, so they can only offer their employer’s insurance products. However, they know their insurer like the back of their hands and might even give you discounts that brokers don’t have access to.

Additionally, insurance agents can close insurance sales independently, meaning you can purchase insurance from them right then and there. 

Insurance Aggregators

An insurance aggregator website like MyChoice compiles rates from various insurance brokers, companies, and direct writers in one place. You can browse aggregator websites to find the best deals from the top insurance companies and get quotes instantly.

Better yet, insurance aggregators are accessible online and entirely free for customers, so you can look up insurance rates without spending a single penny or leaving the house.

The Most Common Questions About Car Insurance in Brockville

How much does Brockville car insurance cost?

Car insurance in Brockville costs $1,095/year, almost $300 cheaper than Ontario’s provincial average.

Does my Brockville car insurance work in the US?

Car insurance policies from Brockville work in the US because both countries use a similar legal system. However, you should still check with your insurer before travelling if you plan to drive there.

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