Cheap Belleville Car Insurance Quotes


Belleville drivers save $504* on average by comparing quotes on

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How Belleville auto insurance works

Drivers in Belleville, located between Toronto and Montreal on Lake Ontario, follow the same auto insurance rules as all other Ontario drivers. It is mandatory to have auto insurance, and illegal to operate a vehicle without it.

Drivers buy coverage from private insurance companies through agents and brokers or, in some cases, directly online from the provider online, skipping talking to an agent altogether.

Belleville insurance operates under a no-fault system where, following a collision, each driver making a claim must deal with their own insurance company regardless of who is at fault for an accident.

How to get the cheapest Belleville car insurance quote

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Mandatory and optional car insurance coverage in Belleville

Insurance typeMandatory coverageOptional/ Additional Coverage
Third-Party Liability$200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault.Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit.
Uninsured Automobile InsuranceProvides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist.Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist.
Statutory Accident BenefitsProvides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP.Coverage limits can be increased.
Direct Compensation-Property Damage (DC-PD)OptionalDCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. 
Collision Coverage (Also Upset Coverage)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism.
Specified Perils CoverageOptionalCovers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen.
OPCF 27: Liability for Damage to Non-Owned Automobile(s)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car.
OPCF 43: Waiver of depreciationOptionalEnsures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car.
OPCF 44R: Family protection coverageOptionalEnsures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder.
OPCF 13C: Limited glassOptionalFor a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy.
OPCF 40: Fire and theft deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.

Recent annual car insurance savings unlocked by real Belleville drivers

Here are some recent examples of savings found by real Belleville drivers from across the province using

Savings: $346

Driver: Female, 43

From: Belleville, ON

Driving: 2014 Ford Fusion

Savings: $99

Driver: Male, 29

From: Belleville, ON

Driving: 2017 Hyundai Tucson

Savings: $123

Driver: Male, 55

From: Belleville, ON

Driving: 2013 Ford Escape

Savings: $188

Driver: Female, 36

From: Belleville, ON

Driving: 2022 Nissan Kicks S 4DR 2WD

Savings: $28

Driver: Female, 20

From: Belleville, ON

Driving: 2021 Honda Civic

Savings: $201

Driver: Female, 55

From: Belleville, ON

Driving: 2014 Ford Fusion

How much does Belleville car insurance cost?

The average rate of car insurance in Belleville is $1,175 per year or about $98 per month, according to RATESDOTCA Insuramap data — far lower than the average Ontario rate of $1,555 or nearly $130 monthly. Citizens of Belleville pay 24% less for auto insurance than the average driver in Ontario.

Comparing Belleville's average car insurance premium against other Ontario cities   

Belleville’s relatively inexpensive auto insurance rates ($1,175 per year compared to the provincial average of $1,555 per year) reflect its size, location and claims activity.

Belleville is a relatively small town (with about 111,184 in the metro area and 55,071 in the city proper in 2021) compared to other areas of the province. Less populated towns mean fewer cars on the road and fewer chances for collisions and claims.

As can be seen in this chart, the most expensive areas in Ontario to acquire auto insurance are in and around the Toronto area. These cities have higher congestion levels, leading to more significant collisions and claims.

RankingCityAvg. 2022 premium
3Richmond Hill$2,025
10Nobleton, Schomberg, Orangeville, King City$1,766

Factors that determine your Belleville car insurance rate   

  • Neighbourhood: Belleville auto insurance providers will look at your postal code and the likelihood of drivers in that area filing claims. Rates are higher in areas with high crime and congestion levels and where dangerous driving is frequent.
  • Type of vehicle: Expensive cars are more likely to be stolen and are costly to repair or replace, which drives up insurance costs.
  • Daily commute: The more time you spend in your car, the higher the probability of an accident. Casual, non-commuter drivers usually pay less for auto insurance in Belleville than longer commute drivers.
  • Driving history and pattern: Your driving behaviour and history can affect auto insurance premiums. For example, a history of claims and at-fault accidents could stay on your driving record for six years or more. Stay safe and collision free to keep rates low.
  • Existing coverage: Auto insurance in Belleville is mandatory. Any additional add-on coverages will add to the cost of your insurance.
  • Discount eligibility: Many Belleville auto insurance providers will offer discounts to drivers with experience, a clean driving record, and university alumni. Check with your provider to see what discounts are offered.
  • Add-on drivers: Adding additional drivers to your policy will increase the cost of your premium. Also, drivers with less experience or below age 25 will drive costs up even more due to their risk factors.
  • Bundle auto and home insurance: Bundling other insurance with your auto insurance is an easy way to reduce your premium from 5-15%.

How to get cheap car insurance quotes in Belleville

Shop around

Using sites like can save drivers money by seeing up-to-date quotes from the top providers in Belleville. 

Increase deductibles

By increasing your deductibles by $500 to $1,000, you're helping your insurance company save money. In return, insurers pass on discounts of 5 to 10% on Belleville car insurance. 

Lump sum payment

Paying your Belleville auto insurance in one lump payment yearly reduces administrative costs for your insurance provider. The savings are then passed on to you. 

Bundle all policies

Bundling home and auto insurance with one provider shows your loyalty and is also suitable for business. Your provider will recognize that with a discounted premium on all policies. 

Insure all vehicles

You can save 10 to 20% when you insure all your cars under the same policy.

Change tires seasonally

Most Belleville car insurance providers offer discounts for drivers who use winter tires. It reduces collisions and claims and could save you about 5% off your premiums. 

Compare annually

Compare rates once annually (at renewal time) to ensure you get the coverage you need without paying for extras you don’t use. 

Use a telematics device

Telematics devices monitor your driving habits, which are reported back to your Belleville auto insurance provider. Drivers who agree to install them are often rewarded with a reduced rate, sometimes as much as 25% off the standard price. 

Ask about discounts

It never hurts to ask. Many insurance providers will offer discounts for alumni and claims-free savings. See if you fall into these categories.

Driver's education

Improving your driving with formal classes reduces risk and enhances your driving habits. Most insurance providers will reward this with a discount. 

*Represents the average saved by Belleville shoppers who obtained an auto insurance quote on and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by

Frequently asked questions about Belleville car insurance?

What kind of car has the cheapest car insurance in Belleville?

Belleville auto insurance providers always consider risks when determining your insurance premiums. Higher-priced cars that are expensive to repair or replace will likely lead to higher premiums than lower-priced models.  

According to proprietary data, the following vehicles are the overall cheapest to insure in Ontario:  

  • Nissan Micra
  • Volvo XC90
  • Kia Rio 5-Door
  • Mitsubishi Mirage
  • Kia Rio
  • Subaru Legacy
  • Subaru Accent
  • Mazda
  • Mercedes-Benz GLE-Class
  • Genesis G80 

For a breakdown of how insurance rates compare depending on a car’s sales price, body type, safety rating, and more, check out our article on Ontario's cheapest cars to insure.  

How can I find the cheapest car insurance in Belleville?

Finding the cheapest car insurance in Belleville starts with comparison shopping on sites like You’ll get multiple quotes from the top providers in the area.

Who offers the cheapest auto insurance in Belleville?

Finding the cheapest car insurance in Belleville will depend on many factors. Because each driver is different providers will look at your history, location, crime stats of your area and claims history, for example. Start by comparison shopping on for multiple quotes.

Why is Belleville car insurance so expensive?

Bellevill's average insurance rate is relatively cheap for a city in southwestern Ontario. Belleville's small population means there is less congestion and potential for accident claims. Crime is also lower than the provincial average, and the pandemic has cut down commuting, although congestion has ticked up since the end of quarantine.

Why do Belleville car insurance rates change?

Belleville auto insurance providers will adjust rates in response to claims and higher or lower risk factors in the area. In Ontario, rate changes are regulated by the Financial Services Regulatory Body (FSRA).