Written by
Nolan Wilson
Updated on June 12, 2025
min read
Get the best rates for car insurance in Brampton
Looking for better car insurance savings in Brampton? Is your policy coming up for renewal? We know Brampton drivers want to get lower auto insurance rates. Comparing quotes is the most effective way to save and keep more money in your pocket. Since we work with the top insurance companies we'll be able to find you a better deal and save you hundreds on your car insurance in Brampton.
At ThinkInsure, our insurance experts can help you find the most affordable coverage rates. For over 50 years, we’ve helped drivers just like you save on auto insurance premiums in Brampton. Get started by comparing quotes online or give us a call.
A quick summary of car insurance in Brampton
Brampton has the most expensive car insurance premiums in the province.
The average cost of Brampton car insurance in 2025 is $2,890 annually.
Rates have remained fairly consistent in recent years. However, after a drop in 2023, premiums have increased by 10.5% for some drivers.
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Zach Barnett
2025-06-06
Excellent Experience sorting out insurance with Todd A.
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2025-05-30
Great service and seamless process. Todd was great!
Mike Chernikov
2025-05-29
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2025-05-29
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garth dangerfield
2025-05-28
I have been a customer since 2022 at Thinkinsure- overall very pleased! Recently I had a bit of a problem with my policy, nothing to do with Thinkinsure - rather the insurance company that was solved, but I will say I'm grateful for Thinkinsure's help specifically a very nice woman Felicia - she took control & was extremely helpful. Thank you Felicia
Clare Wanzama
2025-05-22
I can't recommend Sohel enough! He went above and beyond to help me get car insurance despite my challenging driving history. He was professional, patient, and truly dedicated to finding the best possible coverage for my situation. I felt supported every step of the way, and he made a stressful process so much easier. If you need someone who genuinely cares and will work hard for you, Sohel is your guy. Thank you for everything!
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2025-05-13
The service Betsy Bannon provided was exceptional. Her prompt responses and detailed options easily convinced us to move our business from elsewhere to ThinkInsure.
How does auto insurance work in Brampton?
The rules for auto insurance in Brampton are the same as those in any other city in the province. The provincial government sets rates. It is a no-fault insurance system.
All drivers are required to have a minimum level of car insurance in Ontario. This includes third-party liability, accident benefits, and uninsured motorist coverage.
Most drivers also have additional coverage, such as collision and comprehensive coverage. You get your policy through a private insurance company.
Mandatory car insurance in Brampton
All Brampton car insurance policies will include the minimum amount of coverage. A basic policy will include:
Third party liability: You need $200,000 in third-party liability (TPL) coverage in Brampton to protect you from liability claims arising from an at-fault accident.
Statutory accident benefits: You will be provided with medical care for any injuries you sustain in an accident, including attendant care, rehabilitation, and coverage for lost income.
Uninsured motorist: Get insurance coverage for injuries that result from accidents caused by uninsured drivers or hit-and-run incidents.
This is just the basics. People typically have a higher liability limit ($500,000, $1 million, or $2 million). They also increase accident benefits.
As of January 1, 2024, Direct compensation property damage (DCPD) is no longer mandatory. You can opt out of this coverage. OPCF 49 allows you to opt out of this coverage. When you opt out, you will receive a lower premium. However, you also increase your financial risk. Speak with our brokers to see if removing DCPD makes sense for you.
Optional car insurance in Brampton
You can add four main types of optional insurance to your plan. Most drivers choose one of the following for added protection:
Collision insurance: You are insured for damages resulting from collisions with objects like trees or street signs.
Comprehensive insurance: This insurance coverage protects you from non-driving losses, like theft and weather damage.
All perils insurance: This is a type of auto insurance policy that provides both comprehensive and collision coverage for your vehicle.
Specified perils insurance: Your policy provides coverage only for the specific risks that are explicitly mentioned in it.
You also have the option to append endorsements to your plan. Ontario Policy Change Forms (OPCF) allow you to personalize your insurance further. For example, OPCF 39 is accident forgiveness. With this, your insurer will forgive your first at-fault accident claim. There are many types of these riders you can add to your coverage.
How much does car insurance cost in Brampton?
Brampton has the highest car insurance rates in the province. On average, Brampton drivers pay $2,890 annually for car insurance, more than any other city in the province. This is $800+ more than the provincial average rate of $2,006 annually.
Here’s a breakdown of how much you can expect to pay:
Annually: $2,890
Semi-annually: $1,445
Quarterly: $722.50
Monthly: $240.83
Weekly: $55.57
Daily: $7.92
Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 15, 2025).
Premiums change year to year. The dynamic nature of insurance rates means they change regularly, reflecting insurers' data analysis regarding claims, repair expenses, accidents, and other considerations. Additionally, your driving record and potential qualification for additional discounts can contribute to these rate fluctuations. See how rates have changed from 2019 to 2025 in Brampton:
Year
Average annual premium
2025
$2,980
2024
$2,887
2023
$2,616
2022
$3,209
2021
$3,295
2020
$3,133
2019
$2,842
Average rate (2019-25)
$2,982
**
Expert advice : Shop and compare Brampton auto insurance rates
Shopping around for insurance can lead to significant savings. Comparing quotes and coverage is crucial. As a broker, I always advise clients to compare multiple insurers to find the best price and coverage for their needs. Brokers streamline this process by efficiently comparing options from various providers.
Felicia Owoyemi
|
Insurance Broker (RIBO)
Call us to save on your auto policy!
Monday-Friday: 8am-6pm Saturday: 9am-5pm
Brampton auto insurance premiums by driver type
Your driver classification influences your payments for auto insurance. Factors such as age, demographics, driver classification, and driving record are taken into consideration by insurance companies when setting your premiums. We analyzed our customer quote data to understand how these factors affect your payments. Here is what we discovered:
Premium
Monthly
Difference
Driver type
All drivers
$2,890
$241
0
Young drivers (25 and under)
$3,423
$285
18.44%
Middle age (25 - 50)
$3,192
$266
10.45%
Mature/senior drivers (50+)
$2,655
$221
-8.13%
High risk drivers
$9,834
$820
240.28%
Demographics
Male
$3,453
$288
19.48%
Female
$2,737
$228
-5.29%
Married
$3,101
$258
7.30%
Single
$3,001
$250
3.84%
Driving record
Clean driving record
$2,890
$241
0.00%
1 ticket within the past 3 years
$4,000
$333
38.41%
1 accident in 3 years
$3,655
$305
26.47%
1 cancellation in 3 years
$3,129
$261
8.27%
1 suspension in 3 years
$3,237
$270
12.01%
***
Bramptonians save more with multi-car insurance plans
If you have multiple vehicles, one of the simplest ways to save is to combine coverage with the same insurance. You can save more than $500 per year on each vehicle.
Average rate
Average rate per vehicle
Total savings
Savings per vehicle
1 car
$2,890
$2,890
2 cars
$3,666
$1,833
$1,057
$529
***
Auto insurance rates in Brampton compared to local cities nearby
As one of the province's most expensive cities for insurance, it's no surprise that Brampton is more expensive than other local cities.
City
Avg premium
Georgetown
$2,173
Brampton
$2,890
Richmond Hill
$2,417
Toronto
$2,246
Mississauga
$2,424
Bolton
$2,577
***
What areas in Brampton have the cheapest car insurance?
Your residential location within a city can affect your insurance rates. In Brampton, the difference between postal codes could mean an increase or decrease in costs. If you plan to move, this is an important aspect to remember. Below, we outline how premiums change based on your postal code:
Area in City of Brampton
Postal Codes
Avg Premium
Bramalea
L6S
$2,945
Mount Pleasant
L7A
$2,902
Huttonville
L6Y
$3,084
Madoc
L6V
$2,996
Springdale
L6R
$3,227
Snelgrove
L6Z
$2,475
Castlemore
L6P
$3,530
Northwood Park
L6X
$3,064
***
Brampton car insurance premiums by vehicle brand
What type of car do you drive? Your choice will affect how much you pay for insurance. Below is an overview of costs based on vehicle brand:
Vehicle brand
Premium
Monthly payment
All brands
$2,890
$241
Honda
$3,264
$272
Toyota
$3,130
$261
Ford
$3,017
$251
Hyundai
$2,634
$220
Kia
$2,632
$219
GMC
$2,331
$194
Chevrolet
$2,757
$230
RAM
$2,218
$185
Dodge
$2,218
$185
Jeep
$2,648
$221
Subaru
$2,186
$182
Mazda
$3,046
$254
Nissan
$2,854
$238
Volkswagen
$2,997
$250
Mercedes
$3,382
$282
BMW
$3,224
$269
Tesla
$3,561
$297
Audi
$3,675
$306
Lexus
$3,320
$277
***
Recent Brampton car insurance quotes
2025/07/05
Car insurance quote in BRAMPTON, ON
Vehicle: CADILLAC XT4 4DR AWD 2020
CAA My Pace
$783
Pembridge
$2,018
CAA Connect
$2,345
CAA
$2,468
Savings from top 4 cheapest quotes
$1,685
2025/07/05
Car insurance quote in BRAMPTON, ON
Vehicle: GMC TERRAIN ELEVATION 4DR AWD 2025
Pembridge
$1,893
SGI Canada
$3,568
Aviva Journey
$4,276
CAA My Pace
$4,687
Savings from top 4 cheapest quotes
$2,794
2025/07/02
Car insurance quote in BRAMPTON, ON
Vehicle: FORD ECONOLINE E250 CARGO VAN 2013
SGI Canada
$2,498
GORE
$2,537
Intact
$2,890
CAA My Pace
$3,132
Savings from top 4 cheapest quotes
$634
2025/07/02
Car insurance quote in BRAMPTON, ON
Vehicle: ACURA MDX A-SPEC 4DR AWD 2022
SGI Canada
$2,320
Aviva Journey
$3,421
Intact
$3,481
Aviva
$3,801
Savings from top 4 cheapest quotes
$1,481
Why is Brampton car insurance rates so expensive?
Driving in Brampton requires your utmost attention. With so many vehicles on the road, focusing and driving carefully is important. If you don’t, more expensive car insurance could be in your future. Here are some statistics to put things into perspective:
77% (over 182,000) of people drive to work daily. Another 21,000 are vehicle passengers.
About 60% of commuters drive outside of their area to get to work, according to the City of Brampton. Over 50,000 people commute to Toronto for work from Brampton.
The city is known for its higher-than-average instances of road rage and dangerous driving.
Vehicle thefts were up 37% year over year in 2023, according to the Peel Regional Police. There were 8,322 total vehicle thefts. The most common locations from which cars are stolen include GO train stations, airports, malls, and residential driveways. The most stolen cars are the Ford F-350 and Honda Civic.
There were 3,926 thefts from vehicles in 2023.
There were over 40,457 collisions on Peel roads in 2023, an increase of 17.6% from the previous year.
Over 1,000 drivers are charged with impaired driving annually. Fortunately, the number is on the decline. 1,023 were charged in 2023, and 1,011 were charged in 2022.
Brampton has 7 of the top 10 busiest intersections in the Peel region.
ThinkInsure Tip : Consider usage-based insurance to reduce premiums
Usage-based insurance programs calculate your premiums based on your actual driving habits. You could save up to 25% by enrolling. The safer you drive, the more you can save.
Ways you can save on Brampton car insurance
The reality is that car insurance in Brampton is expensive. The good news is that there are many ways you can save on coverage:
Keep a clean driving record: Insurance prices for Brampton drivers are already high. Avoiding tickets or an at-fault accident will help you keep your costs down.
Stay claims-free: Too many claims can drive your premiums up. Think twice before filing a minor claim.
Get expert advice: Talk to a local insurance advisor. They can help you get quotes and provide additional savings advice.
Check quotes annually: Get a quote each year to assess your needs and find a lower rate.
Take advantage of discounts: Drivers can take advantage of many different insurance discounts. See how many you qualify for to save as much as possible.
Brampton car insurance FAQs
Yes, even though rates are typically higher than average, you can get cheap car insurance in Brampton. Comparing car insurance quotes is the best way to find cheaper insurance. You’ll need to explore your options regularly while maintaining a good driving record to keep your costs down. With ThinkInsure, you can see rates from the top insurers and find a more affordable policy.
Brampton drivers pay the most for car insurance in the province. However, drivers in Mississauga pay almost as much because the cities are so close together and have similar risk profiles. Brampton drivers pay about $300-$500 more annually for their premiums.
You can get a quote for car insurance in Brampton at any time. Is your policy up for renewal or you are just curious about savings? Our experts can help you get quotes and save money.
No one company offers the best or cheapest auto insurance in Brampton. The insurer offering the lowest rates depends on your coverage needs, vehicle, and other factors. Check quotes from multiple companies to find the insurer with the best premium.
At ThinkInsure, we have partnered with the best car insurance companies in Brampton and throughout the province. You can compare coverage and prices from top insurance companies such as CAA, Intact, Aviva, Economical, Travelers, and many others.
See the complete list of our insurance partners.
Get lower car insurance rates in Brampton
Find a lower rate for car insurance in Brampton today! In just a couple of minutes, you can compare free quotes from Canada's leading insurers, such as CAA, Aviva, Intact, and more.
Busy highways, intersections, commuter delays, construction, and crashes are all part of a normal day of driving in Brampton, and so are higher car insurance rates. Does your policy give you the protection you need? Compare quotes and options to find out. You never know what could happen on the road. Make sure you are prepared by having the right insurance for everyday driving in Brampton.
Here is some useful information to navigate the city:
Highways
410
Highway 7, Highway 10
Public Transit
Brampton Transit
GO Transit
Toll Roads
407 ETR
Ride-Sharing
Uber
Lyft
Road Trips
Streetsville
Cheltenham Badlands
Bruce Trail
Aberfoyle Antique Market near Guelph
Parking
City of Brampton Parking
Green P
Impark
Private lots
Top Attractions
Gage Park
Heart Lake Conservation Area
Donald M. Gordon Chinguacousy Park
Professor's Lake Recreation Centre
Worst Intersections
Steeles and Hurontario
Highway 50 and Ebenezer
Steeles and Mavis
Hurontario and Bovaird
Queen Street East and Rutherford Road
Airports
Brampton-Caledon Airport
The driving conditions can affect your Brampton car insurance
Road conditions in Brampton change like the direction of the wind. Accidents, construction, poor weather conditions and many other factors affect daily driving. Are you confident your insurance policy offers you enough protection in these situations? Always be prepared to drive in all types of situations.
130 mins
Avg. Daily Commute Time
113 mm
Avg. Annual Rainfall
1,085 mm
Avg. Annual Snowfall
113
Rainy Days Per Year
44
Snow Days Per Year
Tips for driving to help lower Brampton car insurance
Like other cities, Brampton has unique driving situations, whether you are a local resident who drives the roads daily or are new to the area.
Here are some helpful tips to ensure you drive safely and keep insurance costs down:
Get a transponder: Invest in a transponder for the 407. The 407 is a great alternative option. But, without a transponder, you will be charged a video toll fee each time you use the toll road.
Keep your GPS updated: With the infrastructure changing so frequently, it’s important to keep your GPS updated.
Watch for closures & construction: Stay up-to-date on road closures and construction that could slow down your daily drive.
Check traffic in advance: Always check the traffic report before hitting the highway. This way, you can plan an alternative route.
Plan ahead: Plan for slowdowns – give yourself some extra time to reach your destination.
Get an aftermarket alarm: Invest in a good alarm and other vehicle security features to protect it.
Avoid rush hour: Try to avoid driving during peak rush hour in the morning and afternoon.
Start saving on Brampton car insurance today
We know you don’t want to see your auto insurance costs go up in Brampton. You want the most affordable rates possible. We’ll help you compare quotes from the leading providers for your specific needs. Get started with an online quote or give us a call.
* Based on the difference between the average lowest premium and the overall average premium in Brampton for estimates completed from January 1 to March 31, 2025, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers from 2019-2025 with a clean driving record living in Brampton on ThinkInsure.ca.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from January 1, 2025, to March 31, 2025.
Insurance Blog And News
Read our insurance blog to get helpful tips, information and news.
Did you get into an at-fault car accident in Ontario? Learn about at-fault accidents, how insurance companies determine fault, and how it can impact your automobile coverage.
What factors determine who is at-fault in an accident in Ontario? Get your questions about what defines at-fault and how to prevent being at-fault for an accident.
