Cheap Belleville Car Insurance Quotes

Belleville drivers saved an average of $423* on their car insurance premium with RATESDOTCA

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Written By Alexandra Bosanac


Car insurance in Belleville

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.

Mandatory and optional car insurance for Belleville drivers

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

Recent auto insurance quotes in Belleville

Recent Auto Insurance Quote from BELLEVILLE, ONTARIO
Male, Age 24
June 14, 2024
Cheapest Quote
$ 432 / month
$5,181 / year
Average Quote
$ 637 / month
$7,648 / year
$ 206 / month
$2,467 / year
32.26 %
Recent Auto Insurance Quote from BELLEVILLE, ONTARIO
Male, Age 20
June 14, 2024
Cheapest Quote
$ 242 / month
$2,898 / year
Average Quote
$ 334 / month
$4,006 / year
$ 92 / month
$1,108 / year
27.66 %
Recent Auto Insurance Quote from BELLEVILLE, ONTARIO
Female, Age 19
June 13, 2024
Cheapest Quote
$ 145 / month
$1,740 / year
Average Quote
$ 220 / month
$2,634 / year
$ 75 / month
$894 / year
33.94 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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How much does car insurance cost in Belleville?

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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How do Belleville’s car insurance rates compare to other Ontario cities?

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.

Which companies offer car insurance quotes to Belleville drivers?

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

Tips for getting cheap car insurance in Belleville

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:

  1. Compare auto insurance rates from top insurers online to find the lowest premiums.
  2. Driver Keep a clean driving record to get cheap car insurance in Belleville.
  3. Drive a safe vehicle where parts are easy to replace.
  4. Reduce your annual mileage by driving less.
  5. Take a driver training course if you're a new driver.
  6. Buy winter tires. In Ontario, you'll get a discount for using them.
  7. Try a telematics app which may reward good driving behaviour with lower rates.
  8. Buy anti-theft devices, such as an alarm, car immobilizer or GPS tracker.
  9. Bundle home and auto insurance.
  10. Get amulti-vehicle discount if your household has more than one car.
  11. Seek out discounts. For example, you might be eligible for a group discount you weren't aware of.
  12. Build and maintain a good credit score.
  13. Opt for a higher deductible to reduce your premium.
  14. Review your coverage to assess if you still need all the protection you currently have.

Frequently asked questions about car insurance in Belleville

Here's everything you need to know about car insurance in Belleville.

Which company has the cheapest 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.

What are the best car insurance companies in Belleville?

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.

Can I get month-to-month car insurance in Belleville?

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.

How do I get car insurance as a new driver in Belleville?

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.

Is ride sharing insurance available in Belleville?

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).

  • Facedrive – Northbridge General Insurance Corporation
  • LyftAviva Insurance
  • RideCo – Northbridge General Insurance Corporation
  • Uber – Economical Mutual Insurance Company
  • Uride – Northbridge General Insurance Corporation
  • NRT OnDemand – Hartford Fire Insurance Company of Canada
  • Zoom Innovations Inc. – Northbridge General Insurance Corporation
  • Y Drive - Northbridge General Insurance Company
  • M Ride Inc. - Northbridge General Insurance Company

*Shoppers in Belleville who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $423 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 RATESDOTCA.

Alexandra Bosanac ,
Content Manager

Alexandra Bosanac has been a content manager for RATESDOTCA since 2021, specializing in auto insurance. She began covering auto insurance in 2017. Alexandra has a bachelor's degree in journalism from Toronto Metropolitan University. Before joining the RATESDOTCA editorial team, she reported for the Canadian Business, the Toronto Star, the National Post, and the CBC.

  • Car Insurance
  • Bachelor of Journalism, Toronto Metropolitan University
Featured in
  • Investigative researcher at CBC
  • Breaking news reporter at Toronto Star
  • General assignment reporter at National Post
  • Business and general assignment reporter at The Canadian Press
  • Writer at Canadian Business

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