Cornwall Car Insurance

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Get the best Cornwall car insurance

Shopping around and comparing car insurance quotes in Cornwall is the best strategy to save money. With auto insurance rates higher than the provincial average, Cornwall residents need to see what insurers have to offer. Whether you are getting coverage for the first time or it's time to renew your policy, our insurance brokers in Cornwall will ensure you get the cheapest rates and best policy.

We help Cornwall drivers safe by comparing car insurance quotes from the top insurance companies in Canada. Get started online, or give us a call.

Top things to know about Cornwall car insurance

Car insurance rates in Cornwall are slightly higher than the provincial average.
The average car insurance cost for Cornwall drivers is $1,963 based on our data.
Comparing car insurance quotes in Cornwall can help you find the best rates and save hundreds.

How to compare car insurance quotes in Cornwall

Compare quotes online for free with these easy steps.

1) Start your quote

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2) Tell us about your driving and vehicle

Provide your driving and vehicle information.

3) Compare your quotes

See quotes from the top providers.

Choose your policy

Choose the best rate. Confirm the details with our experts and get insured.

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How does auto insurance work in Cornwall?

Cornwall residents follow the same process and requirements for insurance as they do for car insurance in Ontario. Here’s a quick recap:

Insurance is mandatory: All drivers require a minimum of $200,000 in third-party liability. Fines start at $5,000 if you drive without insurance.
Get quotes online or over the phone: Policies can be purchased through a private insurance company via an insurance broker.
No-fault insurance applies: You deal with your insurer for all claims.
Policies are in effect for one year: Review and compare quotes to decide whether to renew or switch providers.

Mandatory auto insurance coverage in Cornwall

Here’s a breakdown of the mandatory car insurance coverage. All of the following is included in all policies at a minimum:

Third-party liability: All policies include $200,000 in coverage. However, most drivers carry at least $1 million.
Accident benefits: You get medical assistance and care, including attendant care and rehabilitation, if you or any passengers are injured in an accident.
Uninsured motorist: You have protection if an uninsured driver hits your vehicle or injures you. You also have hit-and-run coverage.
Direct compensation property damage: DCPD covers accident damage when you are not at-fault. It was mandatory until January 1, 2024. However, it’s still included in your plan unless you opt out.

Optional car insurance in Cornwall

The great thing about car insurance is that Cornwall drivers have options. You can increase or decrease your coverage to meet your unique needs and fit within your budget. Here’s a list of the most common optional policies:

Collision insurance: Protection for your vehicle if you’re in an accident.
Comprehensive insurance: You have coverage for damage from non-driving events.
All perils insurance: A combination of collision and comprehensive coverage.
Specified perils insurance: You are covered for threats that are explicitly listed in your policy.
Insurance endorsements are an additional way to further personalize your insurance.

Recent Cornwall car insurance quotes

2024/11/19

Shopper in CORNWALL, ON
Vehicle: FORD F150 XL SUPERCAB 4WD 2014
GORE	$871
Wawanesa	$874
Aviva Journey	$932
Intact	$940
Savings from the top 4 lowest quotes	$69

2024/11/01

Shopper in CORNWALL, ON
Vehicle: MAZDA MAZDA3 GT 4DR 2013
GORE	$930
Intact	$1,066
Aviva Journey	$1,104
Economical	$1,227
Savings from the top 4 lowest quotes	$297

5 star reviews for car insurance in Cornwall

Rated 4.7 out of 5 stars in 1463 Google reviews

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

How much does Cornwall car insurance cost?

Cornwall car insurance prices are higher than the provincial average. Based on our customer quote data, the average cost for Cornwall car insurance is $1,963 per year ($163 monthly). Rates could be higher or lower depending on your driving and insurance history. Start a quote to compare your options with ThinkInsure.

What are the main things that affect how much I pay for car insurance in Cornwall?

Each driver has a unique set of factors affecting how much they pay for insurance. Insurers use this information to assess your level of risk, and your premiums vary accordingly. Here are the main factors that affect your payments:

Demographics - age, gender, marital status
Your location and postal code
Your drivers licence (G1, G2, G) and driving experience
Your vehicle safety rating and features
Your driving habits and vehicle usage
Driving record and claims history
Policy type and limits

How do Cornwall insurance rates compare to nearby cities?

Rates in Cornwall are similar to other cities within close distance. Although they tend to be slightly higher. Ottawa car insurance premiums are within a few dollars per year. Here’s a comparison of how rates in Cornwall compare to other closeby cities:

City	Avg premium
Kemptville	$2,159
Cornwall	$1,963
Ottawa	$1,897
Brockville	$1,533
Smiths Falls	$1,163

Cornwall car insurance rate changes from 2019-2023

Car insurance rates have increased greatly in Cornwall since 2019. They have gone up by over $700 this time, making comparing your options more important than ever. Here’s a summary of rate changes:

Year	Average annual premium
2023	$1,963
2022	$1,894
2021	$1,943
2020	$1,608
2019	$1,199
Average rate (2019-23)	$1,721

What are the best Cornwall car insurance companies?

There isn’t one insurance provider that is the absolute best. Some insurance companies may be better for you depending on your driving needs. Fortunately, there are many top insurance companies to consider. We can help you compare insurance quotes from all the best companies - Intact, Aviva, CAA, and many more.

Cornwall car insurance FAQs

Why are Cornwall car insurance prices higher than the provincial average?

You would think that rates in Cornwall would be cheaper than the provincial average because the city is smaller. However, as a border town with a large crossing to the United States, significant traffic passes through the area daily. The volume of trucks and drivers unfamiliar with the area increases driving risks. This is reflected in car insurance premiums for local drivers.

Is my Cornwall car insurance policy valid in the United States?

Your car insurance policy is valid if you drive in the United States. However, before you cross the border, speak with your insurer to get clarification about if anything changes about your coverage when in another country.

How do I get cheaper car insurance in Cornwall?

Even with rising auto insurance prices, you can do many things to lower your costs. Here are some ideas for ways to pay less:

Compare quotes annually at renewal time
Have a pristine driving record - stay accident and claims-free
Sign up for usage based insurance
Keep your car safe by adding extra security features
Bundle home and auto insurance and save on both!

Start saving on Cornwall car insurance today

Saving on car insurance in Cornwall starts by taking action. Review your policy and compare your options to find savings. Our brokers can help you compare insurance quotes from the best companies in Ontario. Start a quote online or call us today to find out how much we can help you save.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Cornwall for estimates completed from January 1, 2023, to January 31, 2024, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Cornwall on ThinkInsure.ca from January 1, 2023, to January 31, 2024

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