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Brantford is a city located in southwestern Ontario, Canada. It is situated on the Grand River and has a population of approximately 100,000 people. The city is known for its rich history, including its ties to the famous inventor Alexander Graham Bell, who lived and worked in Brantford for many years. Brantford is also home to a number of cultural attractions, including museums, art galleries, and performance venues, as well as parks and outdoor recreation areas. The city has a diverse economy, with industries including manufacturing, healthcare, and education.

Is car insurance cheaper in Brantford versus Toronto?

In general, car insurance may be cheaper in Brantford compared to Toronto due to a number of reasons.

Firstly, the population density in Brantford is much lower compared to Toronto, which may result in fewer accidents and claims, leading to lower insurance rates. Additionally, the cost of living in Brantford is generally lower compared to Toronto, which may also contribute to lower insurance rates.

Here’s an example comparison of car insurance rates in Brantford versus Toronto:

Assuming a male driver, age 30, driving a 2018 Honda Civic LX:

CityAnnual CostMonthly Cost
Brantford$1,200$100
Toronto$1,800$150

Calculating and comparing Brantford car insurance quotes

buying insurance

Calculating and comparing car insurance quotes in Brantford is a good way to find the best insurance coverage for your specific needs. Here are some steps to help you get started:

  1. Gather information: Before you start shopping around for car insurance quotes, make sure you have all the relevant information, such as your driver’s license, vehicle make and model, and driving history.
  2. Research insurance providers: Look up insurance providers that offer coverage in Brantford and check their ratings and reviews to get an idea of their reputation and customer satisfaction.
  3. Request quotes: Once you’ve narrowed down your list of potential insurance providers, request quotes from each of them. Most insurance providers will offer online quotes or have a phone number you can call to request a quote.
  4. Compare quotes: Once you have received quotes from different providers, compare them side by side to see which one offers the best coverage and rates for your specific needs.
  5. Consider discounts: Many insurance providers offer discounts for things like safe driving, multiple vehicles, and bundling home and auto insurance. Be sure to ask about any discounts that may be available to you.
  6. Make a decision: Once you’ve compared quotes and considered any discounts, choose the insurance provider that offers the best coverage and rates for your specific needs.

What’s the average cost of car insurance in Brantford per month and per year?

Here are some average costs of car insurance in Brantford:

Driver ProfileAnnual CostMonthly Cost
Male, age 25, single, no accidents$1,500 – $2,000$125 – $167
Female, age 35, married, no accidents$1,300 – $1,800$108 – $150
Male, age 50, married, no accidents$1,800 – $2,500$150 – $208
Male, age 20, single, one accident$2,500 – $4,000$208 – $333
Female, age 45, married, one speeding ticket$1,800 – $3,000$150 – $250
Male, age 30, married, one DUI conviction$5,000 – $10,000+$417 – $833+

Here’s a table outlining average cost car insurance for Brantford, based on different driver profiles and car types:

Driver ProfileCar TypeAnnual CostMonthly Cost
Male, age 25, single, no accidentsHonda Civic$1,500 – $2,000$125 – $167
Female, age 35, married, no accidentsToyota Corolla$1,300 – $1,800$108 – $150
Male, age 50, married, no accidentsMazda CX-5$1,800 – $2,500$150 – $208
Male, age 20, single, one accidentFord Focus$2,500 – $4,000$208 – $333
Female, age 45, married, one speeding ticketHonda CR-V$1,800 – $3,000$150 – $250
Male, age 30, married, one DUI convictionBMW 3 Series$5,000 – $10,000+$417 – $833+

Average car insurance costs for different driver profiles in Brantford

car insurance_1

Here’s a table outlining average car insurance costs for different driver profiles in Brantford:

Driver ProfileAnnual CostMonthly Cost
New Driver$3,000 – $6,000$250 – $500
Secondary Driver$1,000 – $2,000$83 – $167
G1 Driver$4,500 – $9,000$375 – $750
G2 Driver$3,000 – $6,000$250 – $500
Full G$1,000 – $2,000$83 – $167
Teenage Driver$3,500 – $7,000$292 – $583
Young Driver$2,000 – $4,000$167 – $333
High-risk Driver$5,000 – $10,000+$417 – $833+
17 Years Old$4,000 – $8,000$333 – $667
Seniors (65+)$1,000 – $2,000$83 – $167
Over 55 Years Old$800 – $1,500$67 – $125
Students$2,000 – $4,000$167 – $333
International Driver$1,500 – $4,000+$125 – $333+
Newcomers$1,500 – $4,000+$125 – $333+
Men Driver$2,000 – $4,000+$167 – $333+
Women Driver$1,500 – $3,000$125 – $250
Married Couples$800 – $1,500$67 – $125
Usage-BasedVaries based on driving habitsVaries based on driving habits
Uber$5,000 – $10,000+$417 – $833+

Average car insurance costs in Brantford for different types of cars

Here’s a table outlining average car insurance costs in Brantford for different types of cars:

Car TypeAnnual CostMonthly Cost
Sedan$1,500 – $2,500$125 – $208
Convertible$2,000 – $4,000$167 – $333
Hatchback$1,200 – $2,000$100 – $167
Wagon$1,500 – $2,500$125 – $208
Coupe$2,000 – $3,500$167 – $292
SUV$1,800 – $3,000$150 – $250
Truck$1,500 – $2,500$125 – $208
Minivans$1,800 – $3,000$150 – $250
Van$1,800 – $3,000$150 – $250
Electric Car$2,000 – $4,000$167 – $333
Hybrid Car$1,800 – $3,000$150 – $250
Multi Car$1,000 – $2,000$83 – $167
Exotic Car$10,000 – $20,000+$833 – $1667+
Sports Car$5,000 – $10,000+$417 – $833+
Leased Cars$2,000 – $4,000$167 – $333
2 Door$2,000 – $4,000$167 – $333

Average car insurance costs in Brantford based on driving history

safe driving

Here’s a table outlining average car insurance costs in Brantford based on driving history:

Driving HistoryAnnual CostMonthly Cost
Clean driving record$1,500 – $2,500$125 – $208
1 at-fault accident$2,500 – $5,000$208 – $417
1 non-fault accident$1,800 – $3,000$150 – $250
DUI conviction$5,000 – $10,000+$417 – $833+
1 speeding ticket$1,800 – $3,000$150 – $250

Which companies and brokers offer car insurance quotes in Brantford?

There are many companies and brokers that offer car insurance quotes in Brantford. Here are 20 examples:

  1. Allstate Insurance Company of Canada
  2. Belairdirect
  3. BrokerLink
  4. The Co-operators
  5. CAA Insurance
  6. Desjardins Insurance
  7. Direct Protect Insurance
  8. Economical Insurance
  9. Johnson Insurance
  10. McDougall Insurance & Financial
  11. Mitchell & Whale Insurance Brokers
  12. Morison Insurance
  13. National Bank Insurance
  14. Oracle RMS Insurance Brokers
  15. PC Insurance
  16. Pembridge Insurance
  17. RBC Insurance
  18. Sonnet Insurance
  19. Surex
  20. TD Insurance

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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