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Affordable Car Insurance in Cornwall from $91/month

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderCity
$116.09Jul 02, 2025, 02:49 PMAuto64FemaleNewmarket
$40.30Jul 02, 2025, 11:39 PMHome60FemaleNorth York
$26.82Jul 02, 2025, 01:54 PMTenant42FemalePeterborough
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Updated on July 2, 2025

5 minute read

Quick Facts About Auto Insurance in Cornwall

  • Cornwall car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Cornwall for a driver with comprehensive/collision coverage and a clean record is around $1,381.
  • Comparing Cornwall auto insurance quotes with MyChoice can save you up to $788 annually.

How Does Car Insurance Work in Cornwall?

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 Cornwall 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 Cornwall referenced above.

Coverage TypeWhat’s IncludedAverage Annual
Car Insurance Premium
Mandatory– Third-Party Liability
– Accident Benefits
– Uninsured Automobile
$616
Recommended– Direct Compensation:
Property Damage
– Collision
– Comprehensive
– OPCF 20
– OPCF 27
– OPCF 44R
– OPCF 39
– OPCF 43
$765
Coverage Total:$1,381

Mandatory Coverages

Coverage TypeCoverage DetailsAverage Annual
Car Insurance Premium
Third-Party LiabilityProtects you if you injure someone
or damage property while driving,
and covers legal costs if you’re sued.
$193
Accident BenefitsCovers medical costs, income
replacement, and more for you and
others injured in an accident,
regardless of fault.
$412
Uninsured AutomobileProtects you if you’re hit by an
uninsured or an unidentified driver
and suffer injuries or vehicle damage.
$11
Coverage Total:$616

*The above coverages are mandatory in Cornwall and will always be included in a standard car insurance quote.

Highly Recommended Coverages

Coverage TypeCoverage DetailsAverage 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.
$339
CollisionCovers your vehicle if you hit another
car or object and you’re found at fault.
$207
ComprehensiveCovers damage to your vehicle from
non-collision events like theft, vandalism,
fire, or weather.
$149
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.
$17
OPCF 27:
Rental Vehicle
Extends your coverage to rented or
borrowed vehicles, protecting you if
damage occurs while you drive them.
$18
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.
$14
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.
$20
OPCF 43:
Waiver of Depreciacion
Ensures you get the full purchase price
back—not a depreciated value—if your
new vehicle is written off.
$1
Coverage Total:$765

*Any of the above highly recommended coverages in Cornwall may be removed from your quote, but we strongly recommend keeping them to have adequate protection.

Most Expensive Postal Codes in Cornwall

Cornwall’s annual average car insurance premium is $1,381, around $500 less than Ontario’s annual average of $1,874.

One area in Cornwall (K6H) has higher auto insurance rates than the city average.

Postal CodeAverage Annual
Car Insurance Premium
K6H$1,391

Least Expensive Postal Codes in Cornwall

While Cornwall’s auto insurance average is already lower than the provincial average, two areas (K6J and K6K) have even cheaper auto insurance. Here’s a look at the cheapest postal codes for auto insurance in Cornwall:

Postal CodeAverage Annual
Car Insurance Premium
K6J$1,372
K6K$1,375

How Cornwall Car Insurance Rates Compare to Nearby Cities

Cornwall’s car insurance rates are some of the lowest in the region. You can see how they compare to some of the neighbouring cities in the table below.

CityAverage Annual
Car Insurance Premium
Cornwall, ON$1,381
Brockville, ON$1,529
Kingston, ON$1,581
Ottawa, ON$1,560
Peterborough, ON$1,584
Belleville, ON$1,652

Car Insurance Cost in Cornwall by Age

Auto insurance rates are affected by age because it’s usually related to driving experience. Younger drivers pay more because they lack road experience, but their rates will lower as they age. Senior citizens over 65 pay more for insurance because they’re more likely to get hurt or killed in an accident.

Here’s a look at how age influences car insurance costs in Cornwall:

AgeAverage Annual
Car Insurance Premium
Average Savings
with MyChoice
18–20$3,963$788
21–24$2,044$407
25–34$1,574$313
35–44$1,381$275
45–54$1,174$233
55–64$1,091$217
65+$1,119$222

Car Insurance Cost in Cornwall by Driving History

Your driving history and past violations impact auto insurance premiums because high-risk drivers usually get higher rates. Meanwhile, insurers see safe drivers as less-risky customers and give them lower premiums. Traffic violations and demerits stay on your licence for two years, but insurance companies often check your driving record as far as 10 years back. 

Here’s how different types of driving violations impact your car insurance rates:

Driving ViolationAverage Annual
Car Insurance Premium
Clean driving record$1,381
Insurance cancellation
due to non-payment
$1,920
Licence suspension for
alcohol-related offences
$1,450
One at-fault accident$2,707
Minor speeding ticket$1,671

Car Insurance Cost in Cornwall by Vehicle Model

Below is a breakdown of the estimated insurance costs for various car models in Cornwall. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.

Car ModelAverage Annual
Car Insurance Premium
Honda$1,267
Tesla$1,356
Toyota$1,454
Hyundai$1,393
BMW$1,607
Audi$1,717
Mazda$1,288
Volkswagen$1,270
Mercedes$1,368
Nissan$1,399

The Best Car Insurance Brokerages in Cornwall

Car insurance brokers help you find the right auto insurance policy by comparing deals between multiple insurers and answering questions to help you make the right choice.

There are many Cornwall insurance brokers that can help you find the best deals. Here are some Cornwall auto insurance broker partners you can contact for more information:

BrokerageAddressPhone Number
McDougall Hunt Insurance Brokers Ltd.311 Second St W, Cornwall
ON K6J 1G8, Canada
+16139334530
BrokerLink691 Brookdale Ave Unit D, Cornwall
ON K6J 5C6, Canada
+16139321200
John D Warner Insurance Brokers Inc215 Sydney St, Cornwall
ON K6H 3H3, Canada
+16139327210
Rozon Insurance Brokers Ltd136 Second St E, Cornwall
ON K6H 1Y4, Canada
+16139331284

Driving in Cornwall

Cornwall is a major port of entry into Canada from the United States, so it has a bustling industrial scene. It also acts as a hub between Ottawa and Montreal due to its central location between the two major cities.

Here are some key facts about Cornwall you should know:

  • Major highways in Cornwall: 401
  • Public transit options: Cornwall Transit (bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Cornwall, private lots
  • Top tourist attractions: Cornwall Community Museum, Lamoureux Park, Big ben Ski Centre, The Art Gallery Cornwall, Legion Memorial Park
  • Busy intersections: Brookdale Avenue and Ninth Street West, Boundary Road and Marleau Avenue
  • Airports: Cornwall Regional Airport

Main Mode of Commuting in Cornwall

Around 15,000 of Cornwall’s 45,000 residents are commuters. Of that 15,000, nearly 14,000 of them use cars to get to work. Meanwhile, around 10% of them use other methods like public transit, walking, and bicycles. Here’s a closer look at how people get to work in Cornwall:

Main mode of commutingCountsRates
Total – 25% Sample Size15,700100.0
Car, truck or van13,86588.3%
Car, truck or van – as a driver12,18077.6%
Car, truck or van – as a passenger1,68510.7%
Public transit4703.0%
Walked8405.4%
Bicycle1601.0%
Other method3652.3%

Commuting Duration in Cornwall

Around 85% of commuters in Cornwall take under 30 minutes to get to work. The remaining 15% spend over 30 minutes on their commute, with around 900 people taking over an hour to get to work. Here’s a look at the commute lengths in Cornwall:

Commuting durationCountsRates
Total – 25% Sample Size15,700100.0
Less than 15 minutes9,38059.7%
15 to 29 minutes4,14526.4%
30 to 44 minutes9105.8%
45 to 59 minutes3452.2%
60 minutes and over9255.9%

Driving Conditions in Cornwall

Driving conditions like rain and snow may affect your overall driving risk and influence your insurance rates. Here’s a quick overview of Cornwall’s driving conditions:

  • Average daily commute time: 34 minutes round trip
  • Average annual rainfall: 37.72 mm
  • Average annual snowfall: 17.25 mm
  • Rainy days per year: 50
  • Rainiest month in Cornwall: October
  • Driest month in Cornwall: December
  • Snow days per year: 42
  • Snowfall months in Cornwall: October – April

Traffic in Cornwall

Cornwall is a relatively small city, with only around 46,000 people within its urban area. However, traffic in Cornwall may be heavier than in cities of its size due to its status as an industrial hub and gateway to the United States.

Here’s a quick look at the key traffic statistics in Cornwall:

  • Population: 46,589 people live within Cornwall’s city limits.
  • City area: Cornwall’s city area spans 61.56 km2.
  • Time spent in traffic annually: Most Cornwall residents spend 34 minutes in traffic daily on average, totalling roughly 206 hours per year.
  • Busiest highways: Cornwall is one of the exits on Highway 401, North America’s busiest highway, with over 500,000 vehicles driving through it daily.

The Most Common Questions About Car Insurance in Cornwall

How much is car insurance in Cornwall?

Car insurance in Cornwall costs $1,381/year on average.

Is car insurance cheaper in Cornwall than Ottawa?

At $1,381/year, Cornwall’s average annual car insurance is cheaper when compared to Ottawa’s at $1,560/year.

Is my Cornwall car insurance valid if I drive in the United States?

Your Cornwall car insurance is still valid for driving in the United States since the two countries share similar auto insurance laws. However, it’s a good idea to check with your insurance agent before travelling to the United States with your current policy.

How can you get cheaper car insurance in Cornwall?

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

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

1. Mychoice.ca Internal Data, How Car Insurance Works, Ontario, Cornwall, Car Insurance Quotes Collected, 2025.

2. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Cornwall, Car Insurance Quotes Collected, 2025.

3. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Cornwall, Car Insurance Quotes Collected, 2025.

4. Mychoice.ca Internal Data, Car Insurance Rates in Nearby Cities, Ontario, Cornwall, Car Insurance Quotes Collected, 2025.

5. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Cornwall, Car Insurance Quotes Collected, 2025.

6. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Cornwall, Car Insurance Quotes Collected, 2025.

7. Mychoice.ca Internal Data, Rate Cost By Vehicle Model, Ontario, Cornwall, Car Insurance Quotes Collected, 2025.

8. City of Cornwall Website, Driving & Transit Information. Data Collected in 2025.

9. Statistics Canada, 2021, Census of Population, Ontario, Cornwall, Main Mode of Commuting. Data Collected in 2025.

10. Statistics Canada, 2021, Census of Population, Ontario, Cornwall, Commuting Duration. Data Collected in 2025.

11. Weather Network Canada, Historical Averages, Ontario, Cornwall. Data Collected in 2025.

12. 511 Ontario Traveller Information, Ontario, Cornwall. Data Collected in 2025.

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