Compare Cornwall Car Insurance Quotes
With RATESDOTCA, Cornwall drivers saved an average of $384* on car insurance
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How to get Cornwall car insurance quotes on RATESDOTCA
Tell us about your vehicle
Answer a few basic questions about your car and your insurance history.
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See quotes from multiple car insurance companies side by side.
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Find the right protection for your vehicle.
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What people say about our quotes
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Save time and money with rates.ca
I always use rates.ca for my travel insurance. They compare rates from several insurance companies and I can choose the package that suits my needs. I save time, frustration, and best of all, money. Thank you rates.ca, I will definitely be using your service again in the future.
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Amazing service have not left for my…
Amazing service have not left for my trip yet and hopefully don’t need this insurance but the prices are amazing and the cheapest It’s quick and easy to use! 💯 safe! Thank you
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Wish I'd found ratesdotca sooner!
I stumbled on ratesdotca after wasting a fair bit of time getting quotes directly from various insurance companies for travel medical insurance. The rates I was quoted by the companies directly were all much higher than what ratesdotca found for me. I'd recommend this website to anyone seeking to quickly and effectively compare policy options and rates.
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Recent car insurance quotes for Cornwall

Recent auto Insurance Quote from Cornwall, Ontario
Male, 34 years old
2009 TOYOTA COROLLA LE 4DR
June 15, 2025
Cheapest Quote
$ 188 / month
$ 2,255 / yearAverage Quote
$ 247 / month
$ 2,963 / yearSavings
$ 59 / month
$ 708 / year
24 %
Recent auto Insurance Quote from Cornwall, Ontario
Male, 36 years old
2014 HONDA ACCORD LX 4DR
June 14, 2025
Cheapest Quote
$ 62 / month
$ 738 / yearAverage Quote
$ 102 / month
$ 1,227 / yearSavings
$ 41 / month
$ 489 / year
40 %
Recent auto Insurance Quote from Cornwall, Ontario
Male, 38 years old
2021 MAZDA MAZDA3 SPORT GT I-ACTIV 5DR AWD
June 13, 2025
Cheapest Quote
$ 113 / month
$ 1,351 / yearAverage Quote
$ 188 / month
$ 2,252 / yearSavings
$ 75 / month
$ 901 / year
40 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
Why comparing quotes saves you money on your Cornwall car insurance policy
Located on the St. Lawrence river, the picturesque city of Cornwall, Ontario features both urban and rural driving conditions. It serves as an arts, culture and entertainment hub for people from surrounding towns as well, which can add to traffic in the region.
In the two main downtown sections of the city (Downtown and Le Village), you might be driving to access numerous dining and shopping options. Or perhaps you need to attend a conference or sports competition hosted at the Benson Centre, Cornwall Civic Complex or NAC Centre.
Outside the busier urban districts, other popular destinations include The Waterfront Trail (which follows the twists and turns of shorelines along the Great Lakes), as well as nearby towns like Dundas, Stormont and Glengarry.
It's safe to say that as a Cornwall resident you'll likely need a car to get around town.
The cost of your car insurance is dependent on where you live and how many kilometres you log with your vehicle. A variety of other factors also affect auto insurance premiums, such as the make, model and year your vehicle was manufactured, as well as the details of your driving history.
This means there is no way to know how much insurance might cost for your car, other than to shop around and compare car insurance quotes from different insurance brokers or companies. It’s your best option for finding the least expensive rates for auto insurance.
There are a number of factors that affect the cost of your Cornwall car insurance, all based on the risk you pose to the insurance provider. If you want to reduce your premium, consider these key tips:
- Live in low density areas
Where you choose to live will affect the premium you are quoted. For instance, urban areas with greater density — and thus potentially higher risk of collision or theft —tend to be more expensive than locations with smaller populations. If you live in Cornwall, you're in luck. The city boasts the lowest premiums in Ontario, according to the 2022 RATESDOTCA Auto Insuramap.
- Buy a low-risk vehicle
The make, model and year of the vehicle you choose to drive in Cornwall can also potentially reduce your premium. Insurance companies are likely to offer cheaper rates for vehicles that have high safety rates and lower chances of theft. For instance, in 2021 the most commonly stolen vehicle in Canada was the 2018 Honda CR-V AWD, and you can be sure insurers are aware of facts like these.
- Establish a good driving record
Insurance companies will assess and determine your driving history in Cornwall and elsewhere (as well as that of any other drivers who will be listed on the policy), so try not to accumulate tickets, licence suspensions or other driving offences that suggest you are not a safe driver.
Armed with these tips, your best bet for finding a reduced car insurance premium is to compare auto insurance premiums on RATESDOTCA
Frequently asked questions about car insurance in Cornwall
How do insurance companies calculate rates for drivers in Cornwall?
Some key factors that insurers will consider when calculating your Cornwall-based insurance premium include:
- The safety rating and features of the vehicle you are trying to insure (and how the theft risk is associated with that make and model)
- Your postal code, as rates are higher for those who live in a city
- The age of any drivers on the policy — young drivers are considered higher risk
- What your driving licence level is, be it G1, G2 or G
- Gender, as men tend to pay more than women for auto insurance
- How often you use your car, because greater use equal greater risk
- Your driving record, which illustrates how likely you are to receive driving violations or get into a collision
RATESDOTCA's simple car insurance calculator allows you to plug in the details that insurance companies are looking for and access multiple quotes right away.
The type of vehicle you insure will certainly impact your car insurance premium. You may think that a common car model would cost less to insure than a luxury model, but this isn't always the case.
In Cornwall, as in the rest of Ontario, insurance brokers will base their estimation of a vehicle’s risk on the Canadian Loss Experience Automobile Rating (CLEAR) system.
The system estimates the likelihood of a vehicle requiring a claim due to either theft or an accident, and how much repairs might cost. Some of the details considered in a CLEAR rating are safety features like anti-lock brakes, premium tires and anti-theft devices.
How can I score discounts on auto insurance in Cornwall?
Standard considerations for lowering your auto insurance premiums include choosing a vehicle that has high safety ratings, but low risk for theft, living in parts of Cornwall with less population density, and maintaining a good driving record.
But there are other strategies you can employ to score yourself additional discounts from insurance companies such as:
- Considering package deals that allow one provider to cover both your vehicle and home insurance needs
- Opting not to purchase collision coverage for an older car (meaning you’re alright with paying for repairs or simply scrapping the car in case of an accident)
- Choosing a higher deductible, which is the amount you pay when making an insurance claim
- Especially if you are a young driver, complete a certified driving school course
- Again, if you are a young driver, consider joining your parents auto insurance policy rather than getting your own if you only drive occasionally
- Investing in additional anti-theft safety features to lower the risk of theft
- Illustrating that you will drive your vehicle less in Cornwall by carpooling or using alternative forms of transportation (the less you use the vehicle, the less risk there is for the insurer)
- Asking about usage-based insurance (UBI), based on use of an installed device that records your driving movements
To find the least expensive auto insurance premium possible — that incorporates any of these potential discounts — use RATESDOTCA to compare quotes.

Shop around and save on Cornwall car insurance today
To find the most affordable auto insurance in Cornwall, you have to shop around and compare rates. Its the only way to truly understand how much insurance providers will charge you for whatever type of coverage you require.
With the help of RATESDOTCA, you can choose the best policy for your vehicle, driving record and location, after comparing quotes from Canadas top insurance companies.