Car Insurance Norfolk County

Car Insurance Norfolk County, Ontario

All drivers in Norfolk County (and the rest of Ontario) must have valid auto insurance in order to operate their vehicle on the road. As such, understanding how insurance works is essential if you want to obtain a high-quality auto insurance policy. You also need to know where to look for quality auto insurance at an affordable rate. Since most plans are granted for terms of six months to a year, you should always confirm that the plan you are looking at has the necessary level of coverage in place before committing to it.

How much is car insurance in Norfolk county?

It depends. First, you will want to speak to an Insurance Hero broker to establish the proper quantity of auto insurance coverage you need. We will discuss the coverage your insurance policy offers and present you with a quote from the best vehicle insurance companies that are reasonable for said level of coverage. Your driving record, age, frequency of driving, mileage, selected deductible, and brand and model of the car, among other things, all affect how much your car insurance will cost.

Another element that affects insurance pricing is where you live. In general, insurance rates are more expensive in urban areas but less expensive in rural ones. You could have to pay a specific amount based on the degree of risk in your area. If there are lots of high-risk drivers, costs will rise, and vice versa.

The amount you pay may also vary according to your particular situation. For instance, young men frequently pay higher rates than young women. As you get older, your costs will also go down. Although it might seem biased, insurance premiums are dependent on the risk of the driver and are determined by data and statistics. You do, however, have some personal influence over some issues, such as preserving a flawless driving record. To keep your vehicle insurance rates low, put forth every effort to drive safely!

Who usually has the cheapest car insurance in Norfolk county?

According to, The Cooperators have the cheapest car insurance rate in Norfolk at roughly $1,379 annually. With a $149 difference, the Dominion product from the Travellers group had the following lowest annual auto price, followed by their Chieftain product at a $68 higher annual quote.

How much is insurance typically on a vehicle per month in Norfolk county?

Insurance companies consider a wide number of factors when figuring out your premiums in Norfolk County. Because there are several factors that affect the price, everyone pays a different amount for their auto insurance rates.

In Norfolk County, the average cost of auto insurance is $1,945. This puts the average cost of car insurance per month at roughly $162. 

If you’re prepared to purchase car insurance in Norfolk county, contact one of our Heroes for a quote.

What are the mandatory types of car insurance in Norfolk county?

The following types of insurance must be carried by every driver in Norfolk count in order to be in compliance with the law:

Third-Party Liability Coverage

Your third-party liability coverage on your auto insurance will defend you in the event that someone is hurt, killed, or has their property damaged in a collision. It will cover settlement expenses and claims resulting from any lawsuits you get, depending on the extent of your coverage. You are permitted to increase the minimum required amount of third-party liability insurance, which is $200,000 under Ontario’s legislation. For example, most drivers upgrade their third-party liability insurance from $200,000 to $1 million.

Accident Benefits Coverage

Regardless of who caused the collision, this portion of your auto insurance policy provides you benefits if you are injured. Rehab, assistance with income replacement, supplementary medical treatment, attendant care, caregiver support, and non-earner status are some of these benefits. A few of these coverage options can also be increased if desired.

Uninsured Automobile Coverage

If a hit-and-run or uninsured driver injures or kills you, this section will safeguard you and your loved ones. It also covers any damage to your car caused by an uninsured driver.

Direct Compensation – Property Damage (DC – PD)

This section of your auto insurance policy will cover any damage to your automobile or its contents as well as any loss of use if another person was at fault for the collision. Direct compensation refers to the fact that you still receive money from your own insurer even though another party was at fault for the damage.

The following criteria must be met in order for the DC-PD part of your auto insurance policy to be in effect:

  • The accident occurred in Ontario.
  • At least one other vehicle was involved.
  • At least one of the cars is also covered by an insurance firm that is authorized to do business in Ontario or has entered into a special contract with FSCO to offer this coverage.

What are the other coverage types I can get in Norfolk County?

While standard auto insurance covers the basics of car insurance, there are several add-ons available for Norfolk county drivers who wish to enhance or upgrade their policies.

Specified perils

The following perils are covered by this coverage add-on:

  • Natural disasters: lightning, wind, hail, rising water or earthquake
  • Explosion
  • Fire
  • Theft or attempted theft
  • Riot or civil unrest
  • The stranding, sinking, burning, derailment, or collision of any kind of transport in, or upon which an insured vehicle is being carried on land or water.
  • Falling or forced landing of an aircraft or parts of an aircraft


The “specified perils,” missiles, vandalism, falling or flying items, and losses not covered by collision are some examples of what the comprehensive add-on covers.


This add-on insures losses sustained when an insured car flips over or collides with an object, such as another car. Anything in or on the ground, the ground itself, a trailer, or a different vehicle attached to the car covered by your insurance policy are all considered “objects.”

All perils

This combines collision and comprehensive insurance. It also covers damage or loss if a member of your household steals a vehicle covered by your insurance policy. Additionally, if an employee steals your automobile while driving it, servicing it, or having it repaired, your all perils add-on will reimburse you (e.g., if you took your car to the mechanic and one of the mechanics stole it).

What are the types of endorsements I can add to my policy in Norfolk County?

Known as policy endorsements or Ontario Policy Change Forms (OPCF), these additions are special contracts that permit you to change, expand, or contract the level of coverage. The following policy endorsements are some of the most commonly added:

  • Rented or Leased Vehicles (OPCF 5):
  • Transportation Replacement (OPCF 20):
  • Liability for Damage to Non-Owned Automobile(s) and Other Coverages (OPCF 27):
  • Family Protection Coverage (OPCF 44R):

Can you drive someone else’s car in Norfolk county?

If you have a valid driver’s license but no auto insurance, you are still permitted to operate another person’s vehicle. However, even if the owner gave you permission to drive, insurance may reject your claim if you have an accident while driving without a license.

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