Car insurance in Brantford Ontario

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Brantford

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)


Collision rate for the city

Average age

Average household income


Unemployment rate


Understanding car insurance in Brantford, Ontario

What puts Brantford’s average car insurance rate in the upper-middle range for Ontario? While the city is pretty far west of the Greater Toronto Area and a moderate commute away from Hamilton, it has an uncommonly high collision rate compared to most other cities.

Most cities have collision rates between 1.5%-3%, but Brantford’s sits at approximately 4.3%. That has a significant impact on the city’s average insurance rates.

The city’s transit is serviceable, and most residents find employment in and around the city itself. That means if you’re really looking to avoid high car insurance rates, you can try using the bus for weekday commutes to reduce your exposure to roadside risk.

 Other than that, you can protect yourself by avoiding the city’s most dangerous intersections and exploring coverage options for overland water damage—all covered below.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Brantford

Myth: Brantford is a commuting hub for Hamilton and London.

Not true. According to Statistics Canada, 61% of Brantford’s workforce works within the city limits. Only 39% of residents work outside of the city. This means you can keep your car insurance rate relatively low with short commutes to work instead of exposing yourself to more dangers on the road.

Myth: Brantford is dangerous.

This entirely depends on the area of the city in which you live, but Brantford does have an unusually high crime severity index compared to the average for Ontario, sitting at 86.8 in the 2016 census. Peterborough scored at 55.1, London scored 68.4, and Windsor scored 65.1. You can get around that by choosing a home outside of neighbourhoods with the highest criminal occurences.

Myth: Brantford’s bus system is  unreliable.

Every public transit system has quirks, but the bus system here actually works pretty reliably. Busses meet back at the downtown station every half hour to let people transfer between lines. When it works, it works well. Beware of delays in evenings and on Sundays, though.

Myth: Brantford is isolated.

It’s certainly not part of the GTA, but it’s still becoming a lucrative place to invest in real estate. Maclean’s named it the top place to buy property in 2018 because of its future projected gains.

With more real estate investment and popularity will come infrastructure, transit, and commercial ventures.

How Brantford’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Hamilton: $3,201
  • Brantford: $3,158
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Burlington: $2,476
  • Gloucester: $2,256
  • Ottawa: $2,195

Quick tips on insurance and driving in Brantford

Don’t worry too much about highway access if you work locally.

People living in cities in the GTA need to worry about highway access to make their commute as short as possible. Sometimes they also need to worry about access to a GO station if they don’t have a car. Fortunately, you can ignore that factor altogether with a car and simply focus on finding a safe, affordable home.

Seriously consider overland water coverage.

in early 2018, the Grand River flooded parts of Brantford. It was serious enough for the city to declare a state of emergency, even closing some bridges. Inquire with your broker or provider about adding overland water coverage to your home policy, and see if you can get any kind of related coverage for your car. It’s not included in most average insurance policies, so it always pays to ask!

Avoid Brantford’s most dangerous intersections.

Considering Brantford’s high collision rate, this advice really counts. Avoid these intersections if possible, and stay extra vigilant if you can’t:

  • Dalhousie Street and Clarence Street
  • Henry Street and Wayne Gretzky Parkway
  • King George Road and Wood Street
  • Edmonson Street and Wayne Gretzky Parkway

Circumvent the crime severity index by living in calm neighbourhoods.

Every city has areas that have higher and lower crime severity indices. Try landing a home in one of these favourable areas:

  • Holmedale
  • Echo Place
  • Old West Brant
  • North End
  • Eagle Place

Sources for fast facts about Brantford:

  • Statistics Canada, Brantford 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • CTV News Kitchener, “Red light cameras considered for Brantford’s most crash-prone intersection”
  • Crime Severity Index, 2016 Census
  • Maclean’s, “Canada’s Most Dangerous Places 2018”
  • Maclean’s, “Why everyone should buy real estate in…Brantford?”
  • Kimbailey.ca, “Where is the Best Place to Live in Brantford?”
  • Jared Houliston via YouTube, “Aerial Drone Footage of Major Flooding Brantford Ontario 02/21/18”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

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