How Does Car Insurance Work in Brockville?
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 Brockville 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 Brockville referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $682 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $847 |
| Coverage Total: | $1,529 |
Mandatory Coverages:
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued. | $213 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault. | $457 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage. | $12 |
| Coverage Total: | $682 |
*The above coverages are mandatory in Brockville and will always be included in a standard car insurance quote.
Highly Recommended Coverages:
| Coverage Type | Coverage Details | Average 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. | $375 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $229 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $165 |
| 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. | $19 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $20 |
| 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. | $15 |
| 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. | $22 |
| OPCF 43: Waiver of Depreciacion | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $847 |
*Any of the above highly recommended coverages in Brockville may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
How Brockville Car Insurance Rates Compare to Nearby Cities
Drivers in Brockville typically pay below the Ontario average. Here’s how rates compare to nearby cities:
| City | Average Annual Car Insurance Premium |
|---|---|
| Brockville, ON | $1,529 |
| Cornwall, ON | $1,381 |
| Kingston, ON | $1,581 |
| Ottawa, ON | $1,560 |
| Peterborough, ON | $1,584 |
| Belleville, ON | $1,652 |
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 | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18–20 | $4,388 | $873 |
| 21–24 | $2,263 | $450 |
| 25–34 | $1,743 | $347 |
| 35–44 | $1,529 | $304 |
| 45–54 | $1,300 | $259 |
| 55–64 | $1,208 | $240 |
| 65+ | $1,238 | $246 |
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 Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,529 |
| Insurance cancellation due to non-payment | $2,125 |
| Licence suspension for alcohol-related offences | $1,605 |
| One at-fault accident | $2,997 |
| Minor speeding ticket | $1,850 |
Car Insurance Cost in Brockville by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Brockville. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda | $1,403 |
| Mazda | $1,426 |
| Chevrolet | $1,438 |
| Subaru | $1,327 |
| BMW | $1,780 |
| Volkswagen | $1,407 |
| Hyundai | $1,542 |
| Ford | $1,400 |
| Nissan | $1,549 |
| Audi | $1,901 |
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:
| Brokerage | Address | Phone Number |
|---|---|---|
| J.B. Kelly Waterway Insurance Brokers Ltd. | 7712 Kent Blvd Unit #9, Brockville ON K6V 7H6, Canada | +16133453032 |
| McDougall Insurance & Financial – Brockville | 35 King St W, Brockville ON K6V 3P7, Canada | +16133428663 |
| Mark Neuman Desjardins Insurance Agent | 68 William St #104, Brockville ON K6V 4V5, Canada | +16133455880 |
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 commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 7,105 | 100.0 |
| Car, truck or van | 6,270 | 88.2% |
| Car, truck or van – as a driver | 5,565 | 78.3% |
| Car, truck or van – as a passenger | 705 | 9.9% |
| Public transit | 65 | 0.9% |
| Walked | 545 | 7.7% |
| Bicycle | 50 | 0.7% |
| Other method | 175 | 2.5% |
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 duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 7,105 | 100.0 |
| Less than 15 minutes | 4,560 | 64.2% |
| 15 to 29 minutes | 1,385 | 19.5% |
| 30 to 44 minutes | 480 | 6.8% |
| 45 to 59 minutes | 255 | 3.6% |
| 60 minutes and over | 425 | 6.0% |
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.
The Most Common Questions About Car Insurance in Brockville
How much does Brockville car insurance cost?
Car insurance in Brockville costs $1,529/year.
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.
How you can get cheaper car insurance in Brockville?
Compare car insurance rates in Brockville with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.