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Cornwall Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.45Jun 19, 2024, 04:08 PMAuto59FemaleK6J4P2
$43.02Jun 19, 2024, 05:45 AMHome56FemaleK1G0M5
$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 15, 2024

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

Updated May 15, 2024

Visit author page

3 minute read

Article Contents

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 $1,346.
  • Comparing Cornwall auto insurance quotes with MyChoice can save you up to $956 annually.

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

Most Expensive Postal Codes in Cornwall

Cornwall’s annual average car insurance premium is $1,346, around $300 less than Ontario’s annual average of $1,673.

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

Postal CodeAverage Annual Car Insurance Premium
K6H$1,350

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$1,335
K6K$1,332

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 RatesAverage Savings with MyChoice
18-20$4,805$956
21-24$2,746$546
25-34$1,831$364
35-44$1,346$268
45-54$1,104$220
55-64$938$187
65+$1,070$213

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$1,346
Insurance cancellation due to non-payment$2,207
Licence suspension for alcohol-related offences$1,613
One accident$2,967
Speeding ticket$1,752

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 $1,346/year on average.

Is car insurance cheaper in Cornwall than Ottawa?

At $1,346/year, Cornwall’s average annual car insurance is cheaper when compared to Ottawa’s at $1,439/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.

Sources

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

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

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

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

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

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

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

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

9. 511 Ontario Traveller Information, Ontario, Cornwall.

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