Compare Brampton Car Insurance Quotes

Q: What is the average cost of car insurance in Brampton?

The average cost of car insurance in Brampton is roughly $2,500 per year, or just over $200 per month. Residents of Brampton generally pay the highest personal car insurance rates in all of Canada.

Q: Is it cheaper to get car insurance in Brampton vs. Mississauga?

While Mississauga car insurance will be cheaper, falsifying your address on your insurance policy is fraud and could have severe repercussions from a denied claim, loss of car insurance, or even up to 14 years in jail. If you're looking for cheap car insurance in Brampton, you can try opting for usage-based insurance.

Get personal car insurance quotes from Ontario's top providers in less than 5 minutes, for free.

How to compare Brampton car insurance quotes with Ratehub.ca

Share information
Tell us a little about yourself and your auto coverage needs.
Compare quotes
We instantly show you Brampton auto insurance quotes from top Canadian insurers.
Save money
Choose your quote and secure your Brampton car insurance rate online.

A few things we're proud of

1,200,000
monthly users
11 years
young
Over 1M
better choices made
Trusted partner
to Canada’s top financial institutions

How car insurance in Brampton, Ontario works

Matt Hands, VP, Insurance and MoneySense

October 5, 2023

Brampton is the third-largest city in the Greater Toronto Area and one of the fastest-growing in Canada. This rapid population growth has led to the construction of new roadways to make way for all the new commuters.

Every day, hundreds of thousands of commuters drive on the 407 and 410 highways to get to work and back home. It might be the planes overhead, the population surge, or the construction but Brampton drivers pay the most for car insurance in Canada - an enormous 70% more than the provincial average.

Unfortunately, because of this, many drivers opt to go without insurance which is illegal and drives premiums up for all.

It's essential for the people of Brampton to shop around for car insurance quotes to make sure they’re paying the best price and getting the best value.

Car insurance in Brampton, and across Ontario is a requirement for all drivers. To operate a vehicle in Brampton, you must have insurance. To get the best car insurance in Brampton, it's vital to understand how it works.

Brampton operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. In other words, you only ever deal with your own insurance company for a claim or following an accident.

Ontario auto insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.

Available Brampton car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory Brampton auto insurance coverage includes:

Third-party liability
Accident benefits
Uninsured automobile insurance
Direct Compensation Property Damage (DCPD)

Optional Brampton car insurance coverage includes:

Collision insurance
Comprehensive car insurance
Specified perils
All perils

Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.

OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
OPCF 27 - Ports your existing insurance to a rental car or car you borrow
OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim

Mandatory coverage for auto insurance in Brampton

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.

Third-party liability

Accident benefits

Uninsured motorist

Direct compensation property damage

Optional coverage for auto insurance in Brampton

The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.

Collision insurance

Comprehensive

Emergency roadside assistance

Specified perils

All perils

Compare Brampton car insurance quotes for free.

In less than 5 minutes, you can compare multiple insurance quotes from Brampton's top personal auto insurers. See how much you can save on your next policy today.

Insurance companies in Brampton

Company	Address	Phone
Allstate	150 Great Lakes Dr Unit 130, Brampton, ON L6R 2K7	(289) 201-6053
CAA	215 Delta Park Blvd, Brampton, ON L6T 0H9	(905) 793-4912
Co-operators	55 Mountainash Rd Unit 6, Brampton, ON L6R 1W4	(844) 546-6774

Although direct insurance companies may have expertise on insurance products, they don’t compare rates across the market to give you the best price possible. If you compare car insurance quotes with us, we’ll provide you with rates from Canada's top providers, so you can choose the cheapest option available. We’ll also connect you with a licensed Brampton insurance broker to help you with finalizing the details of your auto policy.

Factors that impact your Brampton car insurance rates

It pays to shop around to find cheap car insurance in Brampton. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Brampton:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

How to get cheap car insurance in Brampton

Shop and compare
Research which company provides cheap car insurance in Brampton, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Brampton car insurance quotes with us is free.
Stay with your current insurer
Some Brampton car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.

Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Brampton car insurance.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.

Ready to get a free Brampton car insurance quote today?

By comparing quotes from Canada's top insurance companies to find your best rate can potentially save you hundreds of dollars annually.

Frequently asked questions about car insurance in Brampton

What is the average cost of car insurance in Brampton?

Why is car insurance in Brampton so expensive?

Brampton's auto insurance pricing is so expensive for a few reasons but most experts point to rampant car insurance fraud and we all pay for it as a result. Fraud can happen in many ways – buying fake insurance from brokerage impersonators to staging collisions.

Sadly, because the rates are so high, many drivers opt-out of insurance altogether. If they're in an accident, they could face jail time, but the amount owing is still to be paid by the insurers thus raising rates for everyone.

Which car has the lowest insurance in Brampton?

The car you drive is only one of many factors that go into your Brampton insurance quote. Still, inexpensive, used cars with good safety ratings and low rates of theft generally yield cheaper insurance costs.

Minivans and SUVs can be cheaper than sedans because of their risk profile based on the typical drivers. In other words, experienced drivers who may have a family tend to drive more cautiously. Here is our list of the cheapest cars and the cost to insure them.

What are the best insurance companies in Brampton?

The best car insurance companies are typically thought to be big players like Aviva, CAA, and Intact. However, the real question is what is the best insurance company for you, and so it's helpful to compare insurance quotes and review their values. So, our recommendation is to compare car insurance quotes to see what company gives you the lowest car insurance rate in Brampton based on your unique profile.

Is it cheaper to get car insurance in Brampton vs. Mississauga?

How can I improve my Brampton car insurance rates?

For Brampton drivers, the best way to get cheap insurance is to try usage-based insurance (UBI). One of the reasons car insurance costs so much in Brampton is rates are calculated by postal code, age, and other "stereotypes." To prove you're a safe driver, you can download an app that tracks your driving behaviour.

Call your provider and see if they offer usage-based insurance, and, if not, compare quotes to find an insurer who will give you a better rate, but also one that offers UBI.

Matt Hands, Business Director of Insurance

With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

Learn more about insurance

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to Ratehub.ca’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.

About Ratehub.ca

Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.

Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.