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Compare Mississauga Car Insurance Quotes

Get personalized auto insurance quotes from Mississauga's top insurance companies in less than 5 minutes, for free.

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How car insurance in Mississauga, Ontario works

Mississauga is the sixth-largest city in Canada and its multicultural population grows exponentially each year. With 7 major highways nearby and 3 of them being major arteries into the city of Toronto, it’s no wonder 25% of people in Mississauga commute into Toronto every day.

The rapid population growth has led to the construction of new major roadways paving the way for all the new commuters. If you’re not on one of the many highways, make sure you slow down. These new construction projects, municipal zones, and community zones can regulate your speed down to 40km/h from a street where you were going twice as fast.

Whether it's the speed zones, the population surge, or the growing number of red-light cameras but Mississauga drivers pay some the most for car insurance in Canada, consistently ranking in the top 5 cities in Ontario for costly insurance premiums. 

Why should you care?

Car insurance in Mississauga, and across Ontario is a requirement for all drivers. In order to get the best car insurance rates it's critical to understand how it works. 

First, Mississauga operates in a no-fault insurance system. No-fault means you only ever deal with your own insurance company for a claim or following an accident, not that you can't be found at-fault following a crash.

Ontario auto insurance is provided by private insurance carriers. Those companies are regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. In plain words, no insurance company can raise rates without prior approval.  c

Car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory auto insurance coverage includes:

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

Optional 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 Mississauga

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 Mississauga

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


Emergency roadside assistance

Specified perils

All perils

Compare Mississauga car insurance quotes for free.

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

Car insurance companies in Mississauga





660 Eglinton Ave W Unit 13A, Mississauga, ON L5R 3V2



6925 Century Ave. Suite 900, Mississauga, ON L5N 7K2



3105 Dundas St. W Unit 103, Mississauga, ON L5L 3R8


Looking for direct car insurance companies in Mississauga? Direct insurers may be experts on car insurance products, but they don’t always give you the best market price possible. By providing us with a few details, we can compare car insurance rates from various car insurance companies in Mississauga, so you can select the cheapest option available. We’ll also connect you with a licensed insurance broker to guide you through the process of purchasing the policy package you need.

Factors that impact your Mississauga car insurance rates

It pays to shop around to find cheap car insurance in Mississauga. 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 Mississauga:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

How to get cheap car insurance in Mississauga

  1. Shop and compare

    Research which company provides cheap car insurance in Mississauga, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Mississauga car insurance quotes with us is free.

  2. Stay with your current insurer

    Some Mississauga 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.

  3. 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.

  4. 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.

  5. 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.

  1. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Mississauga car insurance.

  2. 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.

  3. 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.

  4. Install winter tires

    You can save up to 3-5% simply by adding winter tires to your car.

Ready to get a free Mississauga 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 Mississauga auto insurance questions

How much is car insurance in Mississauga?

What are the best insurance companies in Mississauga?

Which car has the lowest insurance in Mississauga?

Where do I get the cheapest car insurance quotes in Mississauga?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, 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

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