Compare car insurance quotes in Brantford for free. Find your best price in minutes.

Compare Brantford car insurance rates and save more than 21%.*

Compare Brantford car insurance quotes from top auto insurance providers

30,242 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

May 16
My agent
My agent, Cassie was terrific. She was quick, friendly, helpful, and knowledgeab...
Shaun Medoff
May 16
Very helpful
Very helpful
John Balayon
May 14
Great Agent
Saim Ibrahim was great and very professional. I’ll definitely will call him di...
Ali
May 12
very nice and helpful
very nice and helpful
GIANPIERO GIORNO
May 12
Agent are courteous and transparent…
Agent are courteous and transparent they going to help you as much as they can.
Jessie Mangabay
May 9
He was straightforward and to the…
He was straightforward and to the point. Told me what to expect. And gave me an...
Adrian
May 9
Searched for my best option
Searched for my best option
Barry Hewitt
May 9
It’s so easy to use
It’s so easy to use. People are so friendly.
Gordon Richard
May 9
Amazing
Amazing, she was very helpful
Trent Lastname
May 9
Customer service was fantastic
Customer service was fantastic. She was knowledable, personable, and curtesous. ...
Amanda Murphy
May 8
Excellent fast and efficient.
Excellent fast and efficient.
Wayne Hunter
May 8
Help me to be able to thresh out the…
Help me to be able to thresh out the best rate with my auto insurance..
Jovi
May 8
Fast
Fast, easy, and friendly.
Daniel Castro
May 6
Excellent service allowing many quotes…
Excellent service allowing many quotes from multiple insurance companies, made t...
Thomas Mulrooney
May 6
acted very fast in replying
acted very fast in replying
Harold Fowler
May 5
Fast Friendly service
Fast Friendly service
Nelson Currie
May 5
Great and friendly service
The fast response after filling out the online portion and the very friendly and...
Happy guy
May 2
quote
good experience
Dale Ross

How comparing Brantford auto insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your Brantford auto insurance rate by talking to a licensed broker or agent.

Car insurance in Brantford

Brantford, Ontario – which is about 40 kilometers away from the larger industrial area of Hamilton – is a home to many drivers and commuters. Just like in the rest of the province, auto insurance in Brantford is mandatory for all drivers. If you don’t carry valid car insurance, you may get fined up to $50,000 – in addition to potentially getting your car impounded and license suspended.

The Financial Services Regulatory Authority of Ontario (FSRA) is the governing body responsible for overseeing the auto insurance industry in the province. It makes sure that all providers are licensed and follow the rules, while protecting consumer rights.

Getting your car insurance can start with finding the cheapest auto insurance rates on sites like LowestRates.ca

Mandatory Branford car insurance coverage

Certain elements of Brantford auto insurance are mandatory and include:

Non-mandatory Brantford auto insurance coverage

While mandatory Brantford auto insurance covers the basics, there is more you can add to your coverage. For example:

Factors that determine your car insurance rates in Brantford

Different drivers in Brantford will experience different auto insurance rates. Why? The following sheds some light on that:

Car insurance rates for Brantford seniors

Retirement can be a great time of life. In the auto insurance world, drivers above the age of 50 and below 65 can usually receive the benefits of experience and lower rates. But even after retirement, it may be difficult to find lower rates. We recommend the following:

Car insurance rates for students in Brantford

It’s tough being a younger or inexperienced driver in Brantford. Drivers under the age of 25 are generally charged higher auto insurance premiums as they are considered a high risk and less safe than their older driving compatriots.

It’s not something you can escape from as a young driver, but there are things you can do to lower your car insurance, now and into the future:

Car insurance for new immigrants in Brantford

New immigrants moving to Brantford may find it difficult or expensive to acquire auto insurance. Because they come from elsewhere, they may be deemed inexperienced drivers (even if they have a record from their previous country). Finding the right vehicle and auto insurance provider can be tricky but there are ways to help lower your auto insurance premiums, going forward. We recommend:

Car insurance for high-risk drivers in Brantford

A driver with many claims and accidents will naturally be labelled as ‘high-risk’ by Brantford car insurance companies. High-risk drivers often must seek out insurers with high premiums willing to take on the risks. However, you can eventually lower your rates. Try the following:

Front view of a car. Illustration.

See how our customers in Brantford save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from May 20, 2025
Customer
Male, 30 years old
Location
brantford
Vehicle
2024 VOLKSWAGEN JETTA HIGHLINE 1.5 TSI 4DR
Lowest Rate
$515/mth
$6,182/yr
Average Rate
$892/mth
$10,707/yr
Saved
$377/mth
42.26%
Quote from May 19, 2025
Customer
Male, 27 years old
Location
brantford
Vehicle
2003 VOLKSWAGEN JETTA WOLFSBURG EDITION 1.8T 4DR
Lowest Rate
$100/mth
$1,198/yr
Average Rate
$156/mth
$1,876/yr
Saved
$57/mth
36.14%
Quote from May 19, 2025
Customer
Male, 27 years old
Location
brantford
Vehicle
2019 VOLKSWAGEN GTI 2.0 TSI 4DR HATCHBACK
Lowest Rate
$158/mth
$1,896/yr
Average Rate
$285/mth
$3,422/yr
Saved
$127/mth
44.59%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

How can you get the cheapest car insurance in Brantford?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Focus on

Driving in Brantford.

Most popular cars in Brantford.

Your car insurance rate is impacted by the type of car you drive. To give you an idea of what cars are the most popular among car insurance customers in Brantford, we combed through the LowestRates.ca database to show you the most popular vehicles among Brantford auto insurance shoppers. 

Popular Brands

  1. Toyota
  2. Dodge
  3. Volkswagen
  4. Mazda
  5. Ford

Who shops for auto insurance in Brantford?

Based on our own auto insurance data, here's who's shopping for car insurance on LowestRates.ca in Brantford.

Gender of our users

Male
57%
Female
43%

Average Age

32

years old

Tickets & Accidents

Have Tickets
15.64%
Have Had Accidents
12.25%

Your questions about auto insurance in Brantford, answered.

How much is car insurance in Brantford?

The best way to find out how much car insurance in Brantford will cost you is to apply for quotes.

By applying for auto insurance quotes in Brantford, you’ll see what multiple car insurance companies serving the area are going to charge you.

Unless your broker or agent advises you to purchase more coverage, the price you see on our site is what you will pay in reality.

The price of car insurance in Brantford varies greatly from one driver to the next. Your premium depends heavily on your own personal driving and insurance history. It’s important to keep this in mind when using Brantford car insurance calculators; they can’t give you an accurate estimate because they don’t require enough information from you.

We also don’t recommend using averages to estimate your car insurance costs in Brantford since averages include drivers who pay premiums that are at the top and low ends of the spectrum, which distorts the average.

LowestRates.ca data is also impacted by the fact that more young drivers use our site to compare quotes than experienced or senior drivers. Young drivers pay the highest auto insurance rates in Brantford.

Which Brantford postal code has the highest average premiums?

According to LowestRates.ca data, the Brantford postal code that pays the most for car insurance is the N3T region. It encompasses the neighbourhoods that encircle downtown Brantford. The neighbourhoods covered in this postal code include Brant, Brantford, Mount Vernon, Onondaga, Langford, Burtch, Tutela Heights, Osborne Corners, and Newport.

Which Brantford postal code has the lowest average premiums?

According to LowestRates.ca data, the Brantford postal code that pays the least for car insurance is the N3P region in the northeastern section of the city. Its boundaries are Powerline Road, Lynden Road and Wayne Gretzky Parkway.

How do Brantford car insurance rates compare to other cities in Ontario?

According to our data, Brantford drivers pay less for car insurance than their counterparts in surrounding cities.

  1. Woodstock: 5% less
  2. Caledonia: 4% higher
  3. Cambridge: 15% higher
  4. Hamilton: 38% higher

However, average premiums are not a reliable predictor of what you’ll be charged for auto insurance. Many factors come into play when determining your premium, including your age, sex, postal code, and driving and insurance history. If you’re searching for a car insurance quote and you live in Brantford, we recommend applying for a quote.

Where do I get the cheapest car insurance quotes in Brantford?

There isn’t one Brantford auto insurance company that offers cheap auto insurance to every Brantford driver that applies for a policy.

Car insurance premiums are highly customized products and many factors that influence the price are out of your control

Comparing car insurance quotes in advance of your policy renewal date can also help you save money. Since every insurance company’s tolerance for risk is a bit different, it’s highly likely that one may favour you more than your current auto insurance company.

What factors determine my car insurance rates in Brantford?

There are a number of factors that determine your car insurance rates in Brantford. Here are some to consider:

  • Your mileage
  • Your postal code
  • Your driving record
  • Your age
  • How much coverage you decide to buy
Joel Kranc's picture

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

Read More

Auto insurance news

Read More Like This

*Represents the average saved by shoppers who obtained a Brantford quote on LowestRates.ca 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 LowestRates.ca.