Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable car insurance coverage tailored to you with Brokerlink.
Located on the shores of the Avon River in southwest Ontario, Stratford is home to more than 33,232 residents. Whether you’re travelling into Kitchener or other areas in the Greater Toronto Area (GTA) or spending time with friends and family at Upper Queen’s Park Stratford, getting there safely starts with having the right coverage for your vehicle. At BrokerLink, we help motorists find personalized coverage without excessive price tags.
Get a free Stratford car insurance quote with a BrokerLink broker today.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Stratford auto insurance is an agreement you make with an insurance company. You, the policyholder, agree to pay a fee, also known as a premium. In exchange, an insurance company will provide you with financial protection in the event you get into a car accident that damages your vehicle, suffer bodily injuries, have your vehicle stolen or are responsible for causing a collision that injures another person or damages someone else’s property.
Stratford car insurance is legally mandated for all drivers, no matter what part of Ontario you reside in. At a minimum, all drivers must carry $200,000 in liability insurance, accident benefits and uninsured automobile coverage. Driving without valid car insurance can lead to severe consequences, including fines between $2,000 and $50,000, the suspension of your driver’s license and the impoundment of your vehicle. If caught, you’ll also be labelled a high-risk driver which can lead to higher premiums and difficulty finding coverage.
Auto insurance is legally required for all drivers across Canada. However, because insurance is regulated provincially, the types of auto insurance, along with the coverage minimums you require, will vary based on where you reside.
Third-party liability coverage
Accident benefits
Uninsured motorist insurance
Collision coverage
Comprehensive coverage
Direct Compensation - Property Damage
Loss of use
Roadside assistance
All perils
Specified perils
Waiver of depreciation
Accident forgiveness coverage
Third-party liability coverage protects your interests if you get into an at-fault accident that causes bodily injuries or property damage to a third party.
Accident benefits come in handy if you, your passengers or pedestrians are injured in a car accident regardless of fault. This auto insurance will cover the cost of medical expenses, rehabilitation costs, lost wages, funeral benefits and caregiver expenses.
Uninsured automobile coverage applies to injuries or damages caused by an uninsured or unidentified driver. It also protects you if your vehicle is damaged in a hit-and-run accident.
Collision coverage provides compensation for at-fault damages if your vehicle collides with another driver, a stationary object or if your car rolls over. The only costs you’ll be responsible for paying out of pocket are your deductible. While this coverage is optional, you may be required to carry it if your vehicle is leased or financed.
Comprehensive coverage safeguards you from high out-of-pocket expenses if your vehicle is damaged in a non-collision incident, such as theft, vandalism, fire, falling/flying objects, severe weather or animal collisions. Local police-reported data indicates multiple auto theft occurrences annually in Stratford. And while that may seem low in comparison to Stratford’s 33,232 and counting population, if you park on the street or own a luxury/expensive vehicle, comprehensive coverage is recommended.
Direct Compensation - Property Damage (DCPD) allows you to claim vehicle damaged from your own insurer when another driver is at fault in Ontario. In the event you are hit by an at-fault driver, instead of dealing with their insurance company, you’ll be able to file a claim directly with your own auto insurance company, ensuring you’re quickly compensated for any damages or losses.
Loss of use coverage comes in handy if you rely on your vehicle daily, whether it be for work or personal use. If your vehicle is damaged in a collision and requires repairs, loss of use coverage will compensate you for alternative modes of transportation during the time your vehicle is out of commission. That includes the cost of a rental vehicle, ride share or public transportation.
Roadside assistance is a great option for Stratford drivers who may travel long distances for work or along one of the major highways to other areas like ON-7 to London or Hamilton often. With this optional endorsement, you’ll be covered if you need your car towed, a tire changed, fuel delivery, a battery boosted or if you accidentally lock your keys in your vehicle.
All perils combine collision and comprehensive insurance, offering protection against a wide range of risks except those specifically excluded in your policy. While this endorsement comes with a higher premium, you’ll be protected from a wide range of perils, minus those specifically listed in your policy documents, giving you more peace of mind on and off the road.
Specified perils coverage is the opposite of all perils. It only offers coverage for the perils specifically outlined by your plan. While it may not offer as extensive protection against hazards, it does come with a lower premium, making it a good option for those driving infrequently and those with older vehicles who are looking to save money on their premiums.
Waiver of depreciation ensures you’ll be fully compensated for the original purchase price of your vehicle if it is declared a total loss due to a covered claim, subject to policy terms and conditions.
Accident forgiveness is an optional endorsement that may prevent your premium from increasing after your first at-fault accident claim, subject to insurer eligibility rules and conditions. Note: coverage varies by province.
Let us be your resource for all things car insurance
Our commitment to personalized service, expert advice and comprehensive coverage options ensures you get the best protection tailored to your needs.
15483+ Reviews
Average rating of 4.7
Everything went perfectly including prompt follow up.
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
I have been dealing with Doreen at Brokerlink for many years.Always great service and you can tell she really cares to get you the best policy for your needs.Thank you Doreen.
Been using Brokerlink for several years now - exceptional service. It’s nice to actually see and know the broker you are dealing with as opposed to a phone conversation with someone you can barely und...
BrokerLink was fantastic to work with! Excellent communication, they answered all my questions and concerns, and were always very prompt with their responses. I highly recommend their service!
Always a pleasure to communicate with. Awesome service as always. I would definitely recommend them! Thanks for being there to help when needed!
First rate service all of the time ( last 10 years) no problems, service always given in a friendly, knowledgable way to ensure we receive the very best deals from the best companies
The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
The timely personable assistance provided was exceptional. I received answers to questions and issues resolved in minutes. I couldn’t have asked for more friendly and professional help.
Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
Stratford car insurance rates in 2025 ranked 74th out of 194 cities in Ontario in terms of affordability. That said, there are ways you can lower your car insurance costs without compromising your coverage. Here’s how you can lower your car insurance premiums:
Consider bundling your auto insurance with other policies like home insurance, tenant insurance and travel insurance with the same insurance provider to receive up to 15% off your premiums.
For households with more than one vehicle, you may want to consider insuring all vehicles under the same car insurance policy. Doing so can qualify you for a discount of up to 20% on your premiums.
On average, Stratford, Ontario experiences snowfall 5.4 months out of the year (November to April), with a minimum of 25 millimetres of snow a month. While winter tires aren’t mandatory for drivers, like in other provinces, when you install winter tires on your car, you can qualify for a 10% discount on your auto insurance premiums.
Vehicle theft remains a concern for drivers across Ontario. Equip your vehicle with anti-theft devices such as steering wheel locks, GPS trackers, dash cameras and engine immobilizers to qualify for potential savings. Make sure your devices are approved by your insurance provider beforehand.
Telematics/usage-based insurance programs monitor your driving habits, such as how you accelerate your vehicle, brake, turn corners and the time of day you use your car the most, using a mobile app or in-cabin device. Displaying consistent safe driving habits can lead to significant savings on your insurance rates, while unsafe habits can increase your rates.
Some insurance companies in Ontario offer a good student discount to young drivers who are in college or university and maintain a certain grade point average (GPA) throughout the semester. GPA requirements and savings will vary between providers.
Remaining claims-free is one of the best ways to keep your car insurance premiums low. By avoiding at-fault accidents and practicing safe driving, you are more likely to be designated a low-risk customer, which will work in your favour by bringing your rates down over time. And the longer you go without a claim, the more you’ll save.
Maintaining a clean driving record is another great way to get the best premiums available. Avoiding speeding tickets, accidents and other traffic violations, especially as a new driver, will work in your favour in the long run, as the longer you go without any convictions or accidents, the more you’ll save.
For professionals living in Stratford, Ontario, you may qualify for group rates through your employment or professional organization. Savings and requirements may vary.
Switching to an electric or hybrid vehicle can qualify you for a 5% discount on your insurance in Stratford. You can also qualify for savings through Ontario’s Electric Vehicle Affordability Program (EVAP) when purchasing your new vehicle.
A deductible is the amount of money you agree to pay to your insurance company when filing a claim before your provider will cover any remaining costs. Deductibles often range between $500 and $1,000. By opting for a higher deductible, your insurance company will often lower your premiums in return.
Insurance companies often add a surcharge to your premiums when you choose to pay monthly rather than up front. This is because it costs them money to process each of your payments. The good news is that you can avoid these fees by paying for your auto insurance in one lump sum at the time of your renewal.
Ontario operates under a private insurance system, meaning drivers can compare quotes before purchasing coverage. Even if you’ve been with the same insurance provider for years, it doesn’t hurt to compare quotes and policies, so you can ensure you’re getting the best coverage at the best price available.
Insurance brokers like BrokerLink work separately from insurance companies. This allows them to shop around on your behalf, compare car insurance quotes, unlock savings and customize insurance solutions you can feel confident in on and off the road. The best part of all? Working with a broker like BrokerLink is entirely free.
Your driving habits and insurance needs may change throughout the year. Whether you got a new job that requires you to spend more time behind the wheel or you want to add a young driver to your policy, reviewing your existing policy before your renewal is a great way to drop policies you no longer need to save money and identify potential coverage gaps moving forward.
The average premium for Stratford drivers in 2025 was $2,069 or $172 a month, which was 25% lower than Ontario’s provincial average. So, how do insurance providers calculate these rates? It all comes down to your driving profile and the risk you carry as a customer. The higher your risk level, the more you’ll pay for Stratford car insurance and vice versa. The factors that insurance companies are specifically looking at include:
According to multiple statistics, inexperienced drivers and those under the age of 25 are more likely to engage in risky driving behaviours and be involved in fatal crashes than more experienced drivers, which is why they frequently face higher rates in Ontario. As a new driver, the most effective way to reduce your premiums over time is to keep a clean driving record.
A driver’s risk level and insurance premiums will increase if they have a history of at-fault accidents, traffic violations and convictions. On the other hand, people with a clean driving record who regularly practice safe driving can save significantly on their car insurance in Stratford.
Where in Stratford, Ontario, you live can also impact your insurance premiums. Insurance providers will consider local weather risks, auto theft rates, traffic congestion patterns, wildlife collisions and claims rates in your area.
The more insurance claims you file with your insurance provider, the higher the risk you pose to them. According to providers, the more claims you have on your insurance history, the more likely you are to file another one in the future, raising your premiums. Those with no claims history, on the other hand, can benefit from savings and discounts for remaining claims free.
Driving an expensive and luxury vehicle with high repair and replacement costs can increase your premiums as you’ll likely need greater coverage limits and extra insurance policies like collision and comprehensive to make sure you’re adequately protected. At the same time, insurance companies consider auto theft statistics and claim frequency for the make and model of your vehicle when determining your risk exposure. You can use IBC’s online tool to view the frequency and cost of claims for your car.
The more optional policies you choose to add to your Stratford car insurance plan and the higher the coverage limits you opt for, the more your insurance costs will be. But, the benefit of a more comprehensive insurance plan is that you’ll receive more financial protection should a covered event occur. In contrast, opting for basic coverage will come with a more affordable premium, but you won’t be as financially protected.
Choosing a higher deductible can help you save money throughout the year on your premiums, but it does mean a greater out-of-pocket expense if you need to file a claim. In contrast, opting for a lower insurance premium means a smaller out-of-pocket expense when filing a claim, but a greater premium throughout the year.
Filing an auto insurance claim can be an overwhelming experience, especially when you’ve never filed one previously. If you’ve been in an accident, here is a step-by-step process you’ll need to follow to ensure your experience is as smooth as possible:
Collect evidence: Once you’ve examined yourself for any injuries, you’ll want to gather documentation from the accident scene. This includes images and videos of any damage to your car and the surrounding area. Take notes on the date, time and location of the accident and any names of witnesses.
Exchange information: If other motorists were involved, ensure that you take down their information, including their name, address, contact information and insurance number.
Contact your insurer: Next, notify your insurer or insurance broker of what happened. Be prepared to answer questions and don’t forget to write down your new claim number.
Speak to your adjuster: An insurance adjuster will call you within a few days to request additional information. They’ll ask you to submit whatever evidence you have and help you to schedule an appointment to get your vehicle seen by an auto body shop.
Get an estimate: At the auto body shop, an auto technician will check your vehicle and give you an estimate of repair expenses. You will then need to send this repair estimate to your adjuster.
Get your car repaired: Once your adjuster confirms the quote, you can have your car repaired. Depending on your insurance provider, you may be required to pay for these fees out of pocket and then reimbursed once the repairs are completed or your adjuster will make payments to the auto body shop directly.
When was the last time you reviewed your insurance plan? At BrokerLink, we help Stratford motorists purchase the right coverage for their lifestyle and needs. With access to some of the top insurance companies in Canada, our insurance brokers can help you shop around, compare quotes and find a policy you feel confident in.
Whether you’re renewing your plan, have questions about our current insurance products or are buying car insurance for the first time, you can trust that BrokerLink has got you covered every step of the way. Contact BrokerLink by phone or email to work with an insurance broker directly or get a free quote using our online quote tool.
Get an auto insurance quote
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check our Blog
Service & Claims
Visit a branch
About us
Yes, installing an anti-theft device can be worth it for many drivers. Not only will it qualify you for savings on your premiums, it can also lower your chances of falling victim to car theft.
If you’re travelling along ON-7/ON-8 frequently, opting for a higher liability limit makes sense, as your risk of being involved in an accident is greater than if you were staying within Stratford city limits.
Home Insurance
RV Insurance
Apartment & Tenant Insurance
Condo Insurance
Motorcycle Insurance
Boat Insurance
Insurance bundle
ATV Insurance
Pet Insurance
Life Insurance
Travel Insurance