Cheap Cornwall Car Insurance Quotes

Cornwall drivers save $339* on average by comparing quotes on

We do not operate in your province.

How to get the cheapest Cornwall car insurance quote

Get multiple Ontario car insurance quotes in the time it takes to get just one.

Enter Your Postal Code

Start with your postal code to begin!

Enter Driver Details

Tell us a little bit about your vehicle, driving & car insurance history.

Compare Your Quotes

Compare your car insurance quotes from more than 50 top insurance companies.

Pick Your Policy

Pick the insurance policy that's right for you to connect directly with the insurance professional of your choice.

Get Quotes Now

We've got hundreds of 5 star reviews

2,104 reviews on TrustPilot. See some of the reviews here.

Powered by TrustPilot
Alexandra Bosanac

Written by

Alexandra Bosanac About Alexandra Bosanac

Alexandra Bosanac, content manager at, focuses on auto insurance. She has covered the topic since 2017. Alexandra holds a bachelor’s degree in journalism from Toronto Metropolitan University. Prior to joining in 2021, she contributed to publications such as Canadian Business, the Toronto Star, the National Post, and the CBC.


Content Manager

Updated On

June 10, 2024

How Cornwall auto insurance works

Cornwall follows Ontario’s auto insurance rules, which say that:

  • You must insure your vehicle, otherwise driving it is illegal.
  • Your insurance policy must include third-party liability, accident benefits, direct compensation property damage (DCPD) and uninsured automobile insurance.
  • Each driver deals with their respective insurance company to settle an accident claim, regardless of who’s at fault (Ontario has a no-fault car insurance system).

Auto insurance is privately run in Ontario, meaning you must purchase a policy from a privately owned company, not a government corporation. There are three ways to buy insurance:

  • From a broker, who technically doesn’t sell insurance but rather negotiates a contract from an insurance provider on your behalf.
  • An agent who represents an insurance provider.
  • Or directly from a digital-first insurance provider (also known as direct writers).


Changes to Ontario auto insurance: 2024 reforms

Drivers will have the option to remove currently mandatory accident benefits from their auto insurance policy within the next two years, according to the 2024 Ontario budget. Here's what that will look like: 

  • Coverage that will become optional are the caregiver benefit, housekeeping and home maintenance expenses benefit, income replacement benefit, and death and funeral benefits. 
  • Coverage that will remain mandatory are benefits for medical, rehabilitation, and attendant care.  

The changes to accident benefits are expected to take effect sometime in 2026, after the province finishes consulting with car insurance providers. Here's what else is new:

  • The province also wants to make auto insurance companies the first payer for medical and rehabilitation benefits a person's private medical insurance is the first payer). This is supposed to streamline the claims process, leading to quicker resolutions.
  • And in case you missed it, direct compensation for property damage (DCPD), once mandatory, became an optional coverage in January 2024.


The main takeaway

No matter what, your first step should always be to compare insurance companies online. The Ontario government says that comparison shopping is essential to find the lowest rate. Rates comparison websites like ours have made it easier to act on that advice.

Enter your postal code, and we'll source quotes from 50+ insurance companies in less than three minutes. You'll instantly see which insurer offers your lowest rate.

Our services are always free, and there's no obligation. A lot of drivers use comparison sites purely for research. However, if you're ready to switch insurance companies, we'll be in touch to connect you with the broker who can help you lock in your new rate.

Cornwall mandatory and optional auto insurance coverage

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.

How much does Cornwall car insurance cost?

The average auto premium in Cornwall sits at about $1,289 in 2023, making it 26% cheaper than the provincial average of $1,744.

Claim frequency within a geographic region significantly impacts your car insurance premium. In Ontario, insurance companies use forward sortation areas (FSA), the first three characters in your postal code, to set boundaries for coverage areas — the fewer claims in your FSA, the lower the average rate and vice versa.

Some individual characteristics, including age, gender, car, driving and insurance histories, determine your rates. That means scoring a rate lower than your city’s average is possible. Compare quotes on to see if a different insurance company can offer you a cheap rate on your car insurance.

Compare Cornwall car insurance premiums against other Ontario cities

RankCityAverage 2023 premium
4Richmond Hill$2,188

Source: RATESDOTCA Auto Insuramap

Out of 68 possible spots, Cornwall ranks 55th, making it one of the most affordable cities for car insurance in Ontario. Prices here are 26% lower than the provincial average.

Cornwall and its surrounding counties are some of the larger urban settlements in Eastern Ontario. But compared to Toronto, a city of almost three million, Cornwall is minuscule.

Places with smaller populations have fewer claims, which leads to lower premiums for everyone within city limits.

Factors that determine your Cornwall car insurance rate

To calculate your premium, insurance companies consider a number of factors, also known as ‘rating factors.’ These factors are weighted differently by insurance companies, but the things insurers look for are consistent across the board. Here are some of the main ones.


  • Neighbourhood: Your postal code matters. If many drivers within your postal code have made claims, then your premium will also be affected. Areas with high rates of claims have higher insurance rates.


  • Type of vehicle: The type of car you own will also affect how much you pay for insurance. Insurers keep detailed records of how much it would cost to replace or repair your car.


  • Daily commute: Commuting daily for work is a risk factor, according to insurance companies. Actuarial data shows that regular commuters are more likely to file claims.


  • Driving and insurance history: Customers with good driving and insurance histories will get their insurance provider’s preferred rate. You can build a good history by not racking up traffic convictions and paying your insurance bill on time.


  • Existing coverage: Ontario has optional insurance products that you can add to broaden the coverage your policy provides. Adding these products to your insurance will raise your insurance bill.


  • Additional drivers: Adding an occasional or secondary driver will increase your premium. More people using the same car on a semi-regular basis increases the chance of an accident or physical damage to your car.
  • Discount eligibility: Insurance companies offer an array of discounts. The bundling discount is the one that leads to the largest savings usually. Bundling is when you purchase home and auto insurance coverage from the same company. Insurers reward customers with 15% off both policies (sometimes up to 20%). Other discounts include ones for being an experienced driver, installing winter tires, belonging to a professional group, and being an alumnus of a post-secondary institution. Check with an insurance professional about what discounts you qualify for. Your insurance company may offer one that’s not listed here.

How to get the cheapest car insurance in Cornwall

Saving on car insurance is easier than you think. Following these 10 tips will improve your odds of getting the cheapest Cornwall car insurance rate.

Shop around users in Cornwall saved an average of $339* after comparing car insurance.

Bundle all policies

Buying home and auto coverage from the same insurance company (i.e., 'bundling') can lead to savings of up to 20% on each policy. Apart from comparing quotes, it's the best way to shave off hundreds from your insurance bill immediately. Select the bundling option when completing your home or auto quote to unlock these savings when you compare quotes on

Insure all vehicles

In addition to bundling home and auto, insuring all the cars in your household with the same company will also create savings. You could save 10% to 20% when you insure all your vehicles under the same policy.

Increase deductibles

If one of your policy benefits has a deductible, increasing it can lower your insurance cost — just make sure you have cash saved up to pay it.

Make lump sum payments

Insurance companies may offer you a lower rate if you pay your annual premium upfront instead of breaking it into monthly payments, which are costlier for the provider to process. Lump sum payments help the insurance company cut their costs, and they pass on the savings to you.

Change tires seasonally

Driving on winter tires between November and April can save you 5% on your premium. Be sure to let your insurer know after you’ve installed them, be

Compare rates annually

Try comparing auto insurance quotes every year. The best time to do it is before your current insurance policy renews (your provider will let you know when your renewal date is approaching). You won’t be charged you a fee for terminating your policy early if you decide to change companies during the grace period before it renews.

Use a telematics device

Once installed in your car, a telematics device will allow an insurance company to monitor your driving habits. Insurance companies have different names for their telematics schemes, like CAA's Connect® or belairdirect's Automerit® program.

Exhibiting good driving habits while driving with a telematics device can reduce your insurance bill by 25% at renewal. Good habits mean driving at the speed limit, braking slowly, and not driving at night. Beyond that, companies don’t typically publish a ton of specifics about the kind of behaviour they’re apt to penalize. Another downside of these programs is that insurance companies in Ontario can use the data they collect to justify raising your premium.

Ask about discounts

Be sure to ask about discounts you may qualify for, including alumni and claims-free discounts.

Go to driving school

Graduating from an accredited driving school will help you save on car insurance if you're a new driver.

Car insurance in Cornwall: what you should know

The rates car insurance companies charge to insure the same car and driver in Cornwall can differ by hundreds sometimes thousands of dollars.

The key to finding savings is knowing which car insurance company can offer you the cheapest available rate. But who has time to call multiple companies for quotes? With, you can compare quotes from over 50 trusted Canadian insurance companies in the same amount of time it takes to get just one.

*Shoppers in Cornwall who obtained a quote on from January to December 2023 saved an average of $339 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

Frequently asked questions about Cornwall car insurance

Which companies offer the cheapest car insurance in Cornwall?

The answer will vary by person. Insurance companies pool risk, and they charge you based on how much risk you present relative to the rest of the customers, also known as the 'insurance pool.' By risk, they mean how likely you are to file a claim to the company. This is the reason insurers don't offer flat-rate premiums.

Each company will assess driver risk slightly differently, so you will see variations between quotes when comparing multiple insurance companies on a rate comparison site.

Why is Cornwall car insurance so expensive?

At $1,289 per year, Cornwall car insurance is 25% cheaper than the provincial average of $1,744, making it one of the most affordable cities for drivers.

The claims frequency within a geographic region impacts car insurance premiums. In Ontario, these regions follow forward sortation areas (FSA), the first three characters in your postal code. The fewer claims in an FSA, the lower the average rate and vice versa.

There are still ways you can reduce your bill, even if premiums are relatively affordable in your area. Check out these 10 tips on getting the cheapest insurance in Cornwall

Why do Cornwall car insurance rates change?

Private insurers adjust their rates in response to the number and manner of claims they receive. If there have been more collisions in your neighbourhood, you can expect your premiums to increase. In Ontario, rate changes are regulated by an independent body called the Financial Services Regulatory Body (FSRA).

Alexandra Bosanac, Content Manager

Alexandra Bosanac, content manager at, focuses on auto insurance. She has covered the topic since 2017. Alexandra holds a bachelor’s degree in journalism from Toronto Metropolitan University. Prior to joining in 2021, she contributed to publications such as Canadian Business, the Toronto Star, the National Post, and the CBC.


Read more about the author