Compare Brampton Car Insurance Quotes
Get personal car insurance quotes from Ontario's top providers in less than 5 minutes, for free.
Matt Hands, Business Director, Insurance
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
Step 1: Share some information
Tell us a little about yourself and your auto insurance needs
Step 2: Compare the rates
We instantly show you dozens of quotes side-by-side from top providers
Step 3: Save money
Choose your quote and secure your new rate online or via one of our licensed agents
Direct compensation property damage
Compare Brampton car insurance quotes and uncover the savings
Emergency roadside assistance
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. Could you be paying less? Let's find out.
Where you live
Type of insurance coverage
better choices made
to Canada’s top financial institutions
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 with us is free.
Stay with your current insurer
Some Brampton auto 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 5% simply by adding winter tires to your car in Ontario
Ready to compare car insurance in Brampton?
Why is car insurance in Brampton so expensive?
Which car has the lowest insurance in Brampton?
What are the best insurance companies in Brampton?
Is it cheaper to get car insurance in Brampton vs. Mississauga?
How can I improve my Brampton car insurance rates?
Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.
We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.
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.
Auto insurance basics
Auto insurance types
Provincial car insurance
Regional car insurance
- Toronto car insurance
- Ottawa car insurance
- Mississauga car insurance
- Brampton car insurance
- Oakville car insurance
- Hamilton car insurance
- Calgary car insurance
- Edmonton car insurance
- Oshawa car insurance
- Lethbridge car insurance
- Fort McMurray car insurance
- Medicine Hat car insurance
- Red Deer car insurance
- Burlington car insurance
- Windsor car insurance
- Vancouver car insurance
- Kitchener car insurance
- London car insurance
- Markham car insurance
- Moncton car insurance
- Montreal car insurance
- Oshawa car insurance
- Peterborough car insurance
- Regina car insurance
- Saskatoon car insurance
- St. John's car insurance
- Sudbury car insurance
- Thunder Bay car insurance
- Victoria car insurance
- Waterloo car insurance
- Windsor car insurance
- Winnipeg car insurance
- Saint John car insurance
- Kelowna car insurance
- Kingston car insurance
- Halifax car insurance
- Guelph car insurance
- Grande Prairie car insurance