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In Canada, auto insurance is mandatory for drivers who want to get on the road. It's set up this way so that anyone impacted by a car accident can be financially protected. This is especially important for victims of car accidents who shouldn't have to face financial hardship due to medical and rehabilitation costs.
If drivers get behind the wheel without insurance, they could be subject to a maximum fine of $25,000 for their first conviction and a maximum fine of $50,000 for their second one.
In Belleville and other cities in Ontario, car insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA). Their job is to ensure the proposed insurance rate changes are as fair as possible. They also require that all agents and businesses that sell auto insurance be licensed and follow a set of guidelines.
| 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. Income Replacement Benefits: Basic weekly income replacement of 70% of your gross income up to $400/wk. Medical, Rehabilitation and Attendant Care Benefits: Up to $65,000 for serious injuries, and $1 million for catastrophic injuries. Caregiver Benefits: Up to $250 per week for the first dependent, and $50 per week for each dependent after that. Housekeeping and Home Maintenance Expenses: Maximum payout $100 per week. Death and Funeral Benefits: Up to $25,000 is provided to your spouse, $10,000 for each dependent, and up to $6,000 in funeral costs in the event you are killed in an automobile accident. |
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 also 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 43: Waiver of Depreciation | Optional | Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres. |
| OPCF 44R: Family Protection Coverage | Optional | Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs |
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The average premium in Belleville was $1,175 for 2021. That number was $1,225 meaning that premiums actually went down 4.1% year over year based on RATESDOTCA Insuramap data.
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| 2021 Insuramap rank | City | Average 2021 premium | Difference from Belleville’s 2021 average |
|---|---|---|---|
| 1. | Vaughan | $2,179 | +46% |
| 2. | Ajax | $2,104 | +44% |
| 3. | Richmond Hill | $2,025 | +42% |
| 4. | Brampton | $1,976 | +40% |
| 5. | Mississauga | $1,971 | +40% |
| 52. | Belleville | $1,175 | - |
Belleville has some of the cheapest car insurance rates in Ontario. According to the 2021 RATESDOTCA ranking of cities by car insurance prices, coverage was only $1,175 in Belleville. That's well below cities like Vaughan, Ajax and Richmond Hill, which had yearly rates of $2,179, $2104, and $2,025, respectively.
Belleville's premium is even 14% lower than the provincial average. In fact, Belleville's average premium is the second lowest in Ontario. Ontario's lowest car insurance rates can be found in places like Cornwall, Kingston and Gananoque for $1,132. Compared to Belleville, that's not much of a yearly difference.
These rate estimates are of a 35-year-old driver of a 2018 Honda Civic with a clean driving record. These rates were provided by RATESDOTCA’s Insuramap.
Here is a list of companies that can provide car insurance quotes to Belleville-based drivers.
| Company | Company type | Phone | Address |
|---|---|---|---|
| Allen Insurance Group | Brokerage | 613-966-5586 | 123 College St W, Belleville, ON K8P 2G3 |
| Allstate Insurance | Agency | 343-600-3384 | 365 N Front St #2, Belleville, ON K8P 5A5 |
| Billyard Insurance Group | Brokerage | 613-567-3300 | 81 Dundas St E, Belleville, ON K8N 1B9 |
| CAA Store | Agency | 613-968-9832 | 20 Wallbridge Loyalist Rd, Belleville, ON K8N 4Z2 |
| Christian Family Insurance Brokers | Brokerage | 613-967-6119 | 197 Coleman St, Belleville, ON K8P 3H4 |
| Fledderus Financial Inc. | Brokerage | 613-968-2121 | 200 Dundas St E, Belleville, ON K8N 1E3 |
| InsuranceHotline.ca | Rates comparison | 1-855-821-7312 | 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7 |
| LowestRates.ca | Rates comparison | 1-855-487-6911 | 1910 Yonge St. Suite 401, Toronto, ON M4S 3B2 |
| Mackay Insurance Brokers Inc. | Brokerage | 613-966-5740 | 211 Dundas St E, Belleville, ON K8N 1E2 |
| McDougall Insurance & Financial | Brokerage | 613-966-7001 | 199 Front St #218, Belleville, ON K8N 5H5 |
| RATESDOTCA | Rates comparison | 1-844-726-0907 | 225 King St W, Suite 1000,Toronto, ON, M5V 3M2 |
| Scoop Insurance | Brokerage | 1-866-456-6620 | 300 Lincoln St. Unit 22, Welland, ON L3B 4N4 |
| State Farm Insurance Co | Agency | 613-962-2369 | 46 Oakwood Ln, Belleville, ON K8N 4Z5 |
| Whitley Insurance & Financial Services | Brokerage | 613-966-1711 | 1 Millennium Pkwy, Belleville, ON K8N 4Z5 |
If you're looking to lower your Belleville auto insurance, there are a number of strategies you can try. You'll want to make sure you:
Here's everything you need to know about car insurance in Belleville.
The answer to who has the cheapest car insurance in Belleville will be different for everyone. Auto insurers adapt their rates depending on a driver’s profile. So, who might offer you cheap car insurance in Belleville may be different from who offers a friend or family member the cheapest car insurance.
To find out who has the best deal, we also recommend shopping around and comparing rates directly on RATESDOTCA.
The best car insurance company is typically the one that gives you the best deal. To see who is offering the lowest car insurance quotes in Belleville, compare rates on our website.
Typically, car insurance is a long-term policy for the duration of a year. Temporary car insurance does exist where drivers can get a policy for only six months but this type of policy isn't available from most insurers.
Before getting car insurance, you’ll want to research to find the lowest rates for your needs. Then, you can connect with an insurance broker or agent who will walk you through the process.
The majority of ridesharing companies offer insurance protection. You'll want to connect with your ridesharing company directly to learn who is ensuring you and what coverage you have. Typically, when your ridesharing app is turned on, you'll be covered with ridesharing insurance. Once the app is closed, you'll be back on your own insurance again.
Below are the rideshare companies recognized by Ontario and the insurance companies that underwrite the insurance coverage provided to drivers, according to the Financial Services Regulatory Authority of Ontario (FSRA).
*Represents the average saved by Belleville shoppers who obtained a quote on RATESDOTCA 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 RATESDOTCA.
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