Skip to main content
Ratehub logo
Ratehub logo

Compare Brantford car insurance quotes & save today

Get personalized car insurance quotes from Brantford's top providers in less than five minutes – free of charge.

How to compare Brantford car insurance quotes with

  1. Share information

    Tell us a little about yourself and your auto coverage needs.

  2. Compare quotes

    We instantly show you auto insurance quotes from top Brantford providers.

  3. Save money

    Choose your quote and secure your car insurance rate online.

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

All about car insurance in Brantford

Brantford, Ontario – the hometown of hockey legend Wayne Gretzky and the birthplace of the telephone – is rich in history and pride. However, driving in Brantford requires vigilance, especially during icy conditions. Slipping on ice or getting caught for distracted driving can result in tickets or accidents, both of which can significantly raise your insurance premiums. With all this in mind, the people of Brantford need to shop around for car insurance quotes to make sure they’re paying the best price and getting the best value. At, we help Brantford residents find the best car insurance rates quickly, ensuring you get the coverage you need at a price that fits your budget.

Auto insurance in Ontario is a requirement. Private companies issue coverage, but the system is overlooked by the Financial Services Regulatory Authority of Ontario (FSRAO). This ensures rate increases are substantiated – simply put, an insurer can't raise rates without prior approval from the regulatory body. Rate increases also need to be backed by financial records.

Brantford (along with the rest of Ontario) also operates under a no-fault insurance system. This doesn't mean you'll never be deemed at fault after an accident. Instead, it means that you'll generally be making claims under your own insurer, regardless of fault. 

To learn everything there is to know about auto insurance in the city, be sure to read on. When you're ready, you can also compare personalized car insurance quotes to find your best rate. We can connect you with a licensed broker who will guide you seamlessly through the process of securing your Brantford car insurance policy. 

Did you know?

The previously mandatory coverage, Direct Compensation for Property Damage (DCPD), has been made optional for Ontario drivers as of January 2024. Many insurance experts are warning drivers about the implications of opting out, however, as the financial risk may not be worth the potential savings. Learn more about optional DCPD in our blog linked below. 

more on optional dcpd insurance

Standard Brantford auto insurance coverages

In Brantford , three are four standard car insurance coverages – third-party liability, accident benefits, uninsured motorist, and direct compensation for property damage.

Third-party liability

Accident benefits

Uninsured motorist

Direct compensation for property damage

Optional Brantford auto insurance coverages

Aside from the mandatory coverages, you can also add optional coverages to your Brantford car insurance policy. These options are mainly there to help cover the loss and damage of your personal vehicle.



Specified perils

All perils

Emergency roadside assistance

Popular Brantford auto insurance endorsements

To further customize your car insurance, you can also add Ontario Policy Change Forms (OPCFs) to your policy. While the selection of endorsements may differ depending on the provider you choose, here are some popular options for Brantford drivers.

Compare Brantford car insurance quotes to uncover your savings.

In less than five minutes, compare personalized car insurance quotes from Brantford 's top providers – no obligation, free of charge.

How much is car insurance in Brantford?

In Brantford, the average cost of car insurance is about $1,250 per year, or just over $100 per month. Keep in mind, however, that rates are calculated based on your individual profile – to find the exact cost you'll be paying, be sure to compare personalized car insurance quotes with us. Below are three sample quotes our Brantford users received from us (last updated in June 2024).

  • $98/month

    36-year-old male

    driving a 2017 Nissan Rogue under CAA Insurance

  • $114/month

    37-year-old female

    driving a 2012 Ford Edge under Pembridge Insurance

  • $122/month

    52-year-old male

    driving a 2019 Volkswagen Tiguan under Gore Mutual

Factors that impact your Brantford car insurance rate

It pays to shop the market for cheap Brantford car insurance. This is because different insurers offer different rates based on a list of personalized factors. Here, we cover a few main ones, so you can better understand how insurers come up with your quote.

  • Age

    Younger drivers tend to pay the highest car insurance rates due to statistical risk factors.

  • Gender

    Males tend to pay higher premiums than their female counterparts due to statistical risk factors.

  • Location

    Where you live in Brantford matters. Busy areas with high crime rates will inevitably come with higher premiums.

  • Vehicle type

    Cars that expensive to repair and replace will cost more to insure – and the same goes with highly-stolen ones.

  • Vehicle use

    Do you drive for business or for pleasure? Pleasure-use cars tend to come with cheaper insurance rates.

  • Driving history

    Your Brantford driving history is looked at by insurers. A clean record shows low-risk which means low premiums.

  • Driving behaviour

    More time on the road equals more risk – so expect to pay higher premiums if you commute daily.

  • License class

    If you have your full driver's licence in Brantford , expect to pay cheaper premiums than a novice driver.

  • Coverages & discounts

    More protection will lead to higher rates, but asking for discounts can help combat the cost.

How to get cheap Brantford car insurance quotes

While insurers are the ones that quote you, there are many steps you can take to make sure you're getting the cheapest Brantford car insurance on the market. Here, we cover ten different tips to help lower your premium. 

  1. Shop & compare

    Research which company provides cheap car insurance in Brantford . Rates can potentially go up whenever you renew, but lucky for you comparing personalized Brantford car insurance quotes with us is free.

  2. Stay loyal

    Some Brantford car insurance companies will give loyalty discounts to drivers who remain active with them for years – but don't let this deter you from shopping the market.

  3. Bundle insurance products

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a policy bundle discount.

  4. Insure multiple vehicles together

    If you have multiple drivers and multiple vehicles in your household, putting them all under one policy can help save you money.

  5. Increase your deductible

    Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to increase it, you'll pay less in premiums.

  1. Ask about discounts

    Ask your insurer about group rates – for professionals, alumni, and more. Oftentimes, Brantford insurance companies will offer discounts to members of certain organizations.

  2. Pay premiums annually

    Paying monthly premiums adds administrative costs to your insurer. If you’re able to pay in full annually, you'll likely pay a bit less in the long run.

  3. Keep a clean record

    The cheapest rates go to the safest drivers in Brantford . Car crashes can stay on your record for years, causing your insurance premium to go up substantially.

  4. Install winter tires

    As Brantford roads can get dangerous in the winter, insurers often offer a cheaper rate to those who install winter tires.

  5. Drive less

    The more you drive, the more risk you're inevitably exposed to. Simply driving less can help save you money on your car insurance premium.

Ready to compare car insurance in Brantford ?

You're just a few clicks away from unlocking all your savings – find your lowest Brantford auto insurance rate with us today.

Frequently asked questions about car insurance in Brantford

Who offers the cheapest car insurance in Brantford?

What are the best insurance companies in Brantford?