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Save With Better Brampton Auto Insurance Rates

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 auto insurance in Brampton.

At ThinkInsure, our insurance experts can help you find cheap quotes for the coverage you need to get the best value for your money. For over 45 years we’ve helped drivers just like you save on auto insurance premiums in Brampton.

How To Get The Cheapest Car Insurance Quotes In Brampton

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5 Star Auto Insurance In Brampton

Rated 4.7 out of 5 stars in 1273 Google reviews

We help Brampton drivers get cheaper rates on their auto insurance.

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Simon Mak

2023-02-23 02:13:38

Neil provided great broker service. Will definitely return to ThinkInsure.

Haile Baheta

2023-02-16 02:24:59

I have the pleasure to renew my Automobile Insurance with Kimberly Ladis of ThinkInsure . She was great in finding me the lowest price with a reputable company. She is kind ,efficent & professional. I will recommend her to everyone I know.

Shannon

2023-02-08 20:16:36

I had the pleasure of getting Evan V. as my broker. What set him apart from others I have spoken to was his knowledge. He answered all of my questions promptly and taught me about my specific insurance needs. He was very professional and kind. I felt better after speaking with him.

Caitlin MacFayden

2023-02-02 18:06:04

I had the pleasure of dealing with Neil. I was completely lost when looking for the type of car insurance I needed. Neil was extremley patient with me and walked me through everything.He was available at any time and had answers to all my questions. Thank you for this amazing experience!

tremari

2023-02-01 05:11:36

Pooyan Saeidi has a top-notch customer service skill, very fast service, prompt in answering your email. He will always call to check if you got what you want. He will give the best advice on all your insurance needs and explain in a layman’s term, very friendly and accommodating even if he has to explain for the nth times. 101% rating for his service quality.

Theresa

2023-01-28 05:28:47

I don't know where to begin but I'm so glad that I got Evan Venditti as my advisor. He earned my respect for choosing integrity over personal gain. While I went with a different firm, it was his suggestion that led me to saving hundreds of dollars on auto insurance. He explained that the companies they work with cater to a particular demographic I'm not exactly a part of. He's pretty well versed and insightful. He spoke on a level that I understood. I love that he gave me time to call a couple of other places first before proceeding with his quote. I called those places and went with one of them since I got a lower quote. With all the chaos that's going on in my personal life, this made me emotional. If somehow I took different steps that day and I didn't come across this guy, I'd be paying so much more on insurance. So although I'm not a client, just want to take this time to share this phenomenal experience!

Michelle Spencer

2023-01-19 16:21:03

Evan Venditti has been absolutely amazing and extremely helpful! Always following up to make sure that I am updated on any changes to my policy. He also made the process of obtaining a policy so easy! 10/10 recommend. Hopefully you will get the chance to work with him!

Jaden Moore

2023-01-10 20:04:35

Great customer service.! Quick and efficient. I worked with Denise Snider. She was great with getting me a cheap quote, she sent payment info, and paper work right away. Papers were signed within 24h and insurance was confirmed. I am a high risk driver, who can’t get insured anywhere else due to accumulation of tickets. 10/10 recommend!

About Auto Insurance In Brampton

Woman and child putting luggage in a red car

Brampton is the third largest city in the GTA with over 600,000 residents. It is also has one of the most congested roadway systems in the country. Each day, hundreds of thousands of drivers commute and pass through the area.

Coined "The Flower Town of Canada", it is located close to Pearson International Airport. It continues to grow at a faster pace than in most municipalities in the province.

With so many vehicles on the roadways, it’s no surprise Brampton is one of the most expensive for auto insurance. Plus, there are more accidents in the region than most cities. It’s extremely important to shop around for quotes to get affordable car insurance rates in Brampton.

How Does Auto Insurance Work In Brampton?

The rules for auto insurance in Brampton are the same as any other city in the province. Rates are set by the provincial government. 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 DCPD coverage.

Most drivers in 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 quotes will include the minimum amount of coverage. A basic policy will include :

$200,000 in third-party liability (TPC)
Direct compensation property damage (DCPD)
Statutory accident benefits
Uninsured motorist

This is just the basics. People typically have a higher liability limit ($500,000, $1 million, or $2 million). They also increase accident benefits.

Optional Car Insurance In Brampton

There are four main types of optional insurance you can add to your plan. Most drivers choose one of the following for added protection :

Collision coverage
Comprehensive coverage
All perils
Specified perils

You also have the option to append endorsements to your plan. Optional Policy Change Forms (OPCF) allow you to further personalize your insurance. 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 driver pay about $2,300 annually for car insurance premiums which is more than in any other city in the province. This is a lot more than the provincial average rate of $1,634 per year.

Average Brampton car insurance rate compared to other Ontario cities info graphic desktop

What Areas In Brampton Have The Lowest Car Insurance Rates?

Where you live in Brampton can have a huge impact on your premiums. It can mean a difference of hundreds of dollars per year or more. Here’s a sample of how much auto insurance premiums vary in different parts on Brampton :

Brampton

Bramalea

Mount Pleasant

Huttonville

Madoc

Springdale

Snelgrove

Castlemore

Northwood Park

Expensive Postal Codes For Brampton Auto Insurance

Here is a list of the postal codes in Brampton with higher rates for an auto policy.

Area	Postal Codes	Average Rate
Bramalea	L6S	➜ Above
Mount Pleasant	L7A	➜ Above
Huttonville	L6Y	➜ Above
Madoc	L6V	➜ Above
Springdale	L6R	➜ Above
Snelgrove	L6Z	➜ Above
Castlemore	L6P	➜ Above
Northwood Park	L6X	➜ Above

Ways You Can Save On Brampton Car Insurance

Man driving inside of a car looking in the rearview mirror

The reality is car insurance in Brampton is expensive. The good news is there are many ways you can get better rates :

Keep a clean driving record : Auto insurance rates in Brampton are already a lot. Getting into an accident will only cause them to increase even more.
Stay claims free : Too many claims can drive your rates 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.
Get quotes annually : Get a quote calculation each year to assess your insurance needs and find a lower rate.
Take advantage of discounts : Insurance companies offer many different discounts to drivers. See how many you qualify for to get a cheaper premium.

Brampton Car Insurance FAQs

Can I Get Cheap Car Insurance In Brampton?

Even though rates are the highest in the province, drivers can still find more savings. We’ll help you find cheaper quotes based on your driving history, vehicle, and driving requirements. Get started by comparing car insurance quotes in Brampton to see if you can find a more affordable policy.

Why Is Car Insurance So Expensive In Brampton?

Brampton has higher car insurance rates compared to most other Canadian cities because of factors such as collisions, claims, theft, insurance fraud and many others.

Does Auto Insurance In Brampton Cost More Than In Mississauga?

Brampton drivers pay the most for car insurance in the province. Drivers in Mississauga pay almost as much though. Brampton drivers pay about $300-$500 more annually for their premium.

When Should I Get A Car Insurance Quote In Brampton?

You can get a Brampton car insurance quote 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.

What Is The Best Car Insurance Company In Brampton?

There is not one company that is the best or cheapest for auto insurance rates in Brampton. The insurer offering the lowest rates depends on your coverage needs. It also depends on your vehicle, and many other factors. Get 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. Compare rates from top insurance companies such as Intact, Aviva, Economical, and many others. See the complete list of our insurance partners.

Driving In Brampton And Auto Insurance

Busy highways, intersections, commuter delays, construction and crashes are all part of a normal day 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 road. Make sure you are prepared by having the right car 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 Roade

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

Snow Days Per Year

Brampton Traffic And Stats Cause Increased Auto Insurance Rates

Driving in Brampton requires your utmost attention. With so many vehicles on the road it's important to keep your eyes on the road, and drive with care. If you don’t, more expensive car insurance rates could be in your future. Here are some statistics to put things into perspective :

Over 50,000 commute to Toronto for work.
The city has the highest provincial crash rate. There are 14.6 accidents per day and December is the month with the highest amount. This is a top reason insurance premiums are the highest in the province.
According to the Peel Police, over 2,000 vehicles are stolen annually from the Region of Peel. The most common locations from which cars are stolen include GO train stations, airports, malls, and residential driveways. In 2018 there were 3,094 thefts, and in 2019, there were 3,062.
The most stolen cars are the Ford F350 and Honda Civic.
Over 1,000 drivers are charged with impaired driving annually. Fortunately, the number is on the decline. 1,228 were charged in 2017 and 1,082 were charged in 2019.
Brampton has 7 of the top 10 busiest intersections in the Peel region.

Tips For Driving To Help Lower Brampton Car Insurance

Brampton, much like other cities, has its own set of unique driving situations. Whether you are a local resident and drive the roads daily, or you 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 Closers & 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 slow downs – give yourself some extra time to get to 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 times in the morning and in the afternoon.

Start Saving On Brampton Car Insurance Today

We know you don’t want to see your auto insurance costs to go up in Brampton. You want the most affordable rates possible. We’ll help you calculate the lowest insurance quotes for your specific needs. Contact us today to get started and get your policy. Get a quote online or give us a call.

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Insurance Blog And News

Read our insurance blog get helpful tips, information and news.

2023-03-23

Compare Brampton Car Insurance Quotes