Cheap Belleville Car Insurance Quotes
Save an average of $744* on Ontario car insurance when you compare quotes on InsuranceHotline.com
Jump straight to:
- How Belleville auto insurance works
- How to get Belleville car insurance quotes on InsuranceHotline.com
- Mandatory and optional car insurance coverage in Belleville
- How much does Belleville car insurance cost?
- Comparing Belleville's average car insurance premium against other Ontario cities
- Factors that determine your Belleville car insurance rate
- How to get cheap car insurance quotes in Belleville
- Frequently asked questions about Belleville car insurance
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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| Cheapest Rate | $3,092 |
| Average Rate | $5,116 |
| Savings: $2,024 (40%) | |
| Cheapest Rate | $647 |
| Average Rate | $1,258 |
| Savings: $611 (49%) | |
Mandatory and optional car insurance coverage in Belleville
| Insurance type | Mandatory coverage | Optional/ 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. |
| Direct Compensation-Property Damage (DC-PD) | Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle. | For additional vehicle coverage, including for when you are at-fault, consider collision coverage. |
| Uninsured Automobile Insurance | Provides 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 Benefits | Provides 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. |
| Collision Coverage (Also Upset Coverage) | Optional | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. |
| Comprehensive coverage | Optional | Covers 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 Coverage | Optional | Covers 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 Coverage | Optional | Combines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Coverage for Transportation Replacement | Optional | Covers 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) | Optional | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident Waiver/Forgiveness | Optional | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 16: Suspension of coverage | Optional | This 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 depreciation | Optional | Ensures 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 coverage | Optional | Ensures 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 glass | Optional | For 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 deductible | Optional | Adds 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 InsuranceHotline.com.
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.
| Ranking | City | Avg. 2022 premium |
|---|---|---|
| 1 | Vaughan | $2,179 |
| 2 | Ajax | $2,104 |
| 3 | Richmond Hill | $2,025 |
| 4 | Brampton | $1,976 |
| 5 | Mississauga | $1,971 |
| 6 | Pickering | $1,959 |
| 7 | Toronto | $1,953 |
| 8 | Oshawa | $1,833 |
| 9 | Whitby | $1,792 |
| 10 | Nobleton, Schomberg, Orangeville, King City | $1,766 |
| 52 | Belleville | $1,175 |
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 InsuranceHotline.com 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.
*Shoppers in Ontario who obtained a quote on InsuranceHotline.com from October to December 2021 saved an average of $744 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by InsuranceHotline.com.
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 InsuranceHotline.com. 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 InsuranceHotline.com 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).
