Brampton Car Insurance: Compare Cheap Auto Insurance Quotes

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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 rates for the coverage you need. 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 2024 is $ 2,944 annually.
Rates have remained fairly consistent in recent years. However, after a drop in 2023, premiums have increased by 12.5% since last year for some people.

How to get cheap car insurance quotes in Brampton

It's easy to compare quotes and save more!

1) Start your quote

Enter your postal code to start.

2) Tell us your driving details

Enter some basic driving and vehicle information.

3) Compare quotes

Check rates from the top providers.

Choose and buy

Choose the best rate. Confirm the details with us and purchase your policy.

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5 star auto insurance in Brampton

Rated 4.7 out of 5 stars in 1412 Google reviews

We help thousands of Brampton drivers save on their auto insurance.

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Tee Vee

2024-06-25

Sohel helped us apply for insurance and got everything done super fast and efficiently! Thanks Sohel!

The Jordan Family

2024-06-20

Solely was an absolute pleasure to work with. He was very knowledgeable and quick to respond. He had my new policy up and ready in the course of an afternoon, not to mention the best rates out all brokers I came across. I highly recommend this man and his customer service. 5 star service indeed!

Jade W

2024-06-17

Bailey went above and beyond. Was insanely patient with my scatter brain and a million questions. He explained everything to a point of actually understanding vs "that other" company that made me feel like a child for not understanding their legal ramblings. I appreciate you!!!!

Erfan Javid

2024-06-14

I worked with Sohel, and he put in an incredible effort for me! Sohel is an amazing insurance broker who was very helpful and honest. Communicating with him by phone and email was effortless, and he completed all my insurance paperwork without any hassle. I had insurance sorted out with just one phone call and one email thread.

Mykyta Shylin

2024-06-13

Thank you Bailey, for your help in getting my auto insurance policy sorted out after the non-payment cancellation. I really appreciate the effort you put in to ensure everything was taken care of quickly.

Bradley Chapman

2024-06-12

I was in a pickle and they really helped me out, very supportive. I dealt with a woman by the name of Denise and honestly, she deserves an additional 5 stars on top of this 5 star review.

Daniel McDonald

2024-06-11

I had a great experience with my broker, super knowledgeable dude helped me get back on the road quick and clean.

mic

2024-06-10

Working with Todd was a pleasure. It was very easy communicating with him by phone and email. He was able to complete all my insurance paperwork with no hassle. Thank you are the best .

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 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 rates for car insurance in the province. On average, Brampton drivers pay $ 2,944 annually for car insurance, more than any other city in the province. This is a lot more than the provincial average rate of $ 1,737 per year.

Here’s a breakdown of how much you can expect to pay:

Annually: $ 2,944
Semi-annually: $ 1,472
Quarterly: $ 736
Monthly: $ 245.33
Weekly: $ 56.62
Daily: $ 8.07

Rates are based on ThinkInsure customer quote data for Q1 2024 (Jan 1 to March 15, 2024)

Brampton auto insurance premium map

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

Sources: *FSRAO
2023 ThinkInsure customer quote data. Drivers with a clean driving record and standard coverage

Brampton car insurance rates from 2019-2024

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 2024 in Brampton:

Year	Average annual premium
2024	$ 2,944
2023	$ 2,616
2022	$ 3,209
2021	$ 3,295
2020	$ 3,133
2019	$ 2,842
Average rate (2019-24)	$ 3,007

Brampton auto insurance premiums by driver type

Your payments for auto insurance are influenced by your driver classification. Factors such as age, demographics, driver classification, and driving record are taken into consideration by insurance companies when setting your premiums. To understand how these factors affect your payments, we analyzed our customer quote data. Here is what we discovered:

	Premium	Monthly	Difference
Driver type
All drivers	$ 2,729	$ 227	0
Young drivers (25 and under)	$ 3,650	$ 304	33.75%
Middle age (25 - 50)	$ 3,182	$ 265	16.60%
Mature/senior drivers (50+)	$ 2,283	$ 190	-16.34%
High risk drivers	$ 7,919	$ 660	190.18%
Demographics
Male	$ 2,774	$ 231	1.65%
Female	$ 2,619	$ 218	-4.03%
Married	$ 2,782	$ 232	1.94%
Single	$ 2,708	$ 226	-0.77%
Driving record
Clean driving record	$ 2,729	227	0
1 ticket within the past 3 years	$ 2,877	$ 240	5.42%
1 accident in 3 years	$ 2,892	$ 241	5.97%
1 cancellation in 3 years	$ 2,929	$ 244	7.33%
1 suspension in 3 years	$ 3,237	$ 270	18.61%

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Auto insurance rates in Brampton compared to local cities nearby

As one of the most expensive cities for insurance in the province, it's no surprise Brampton is more expensive compared to other local cities.

City	Avg premium
Georgetown	$ 2,892
Brampton	$ 2,729
Richmond Hill	$ 2,387
Toronto	$ 2,268
Mississauga	$ 2,242
Bolton	$ 2,034

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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 are planning to move, this is an important aspect to bear in mind. Below, we outline how premiums change based on your postal code:

Area in City of Brampton	Postal Codes	Avg Premium
Bramalea	L6S	$ 3,089
Mount Pleasant	L7A	$ 3,070
Huttonville	L6Y	$ 2,532
Madoc	L6V	$ 2,678
Springdale	L6R	$ 2,690
Snelgrove	L6Z	$ 2,847
Castlemore	L6P	$ 2,651
Northwood Park	L6X	$ 2,638

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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
Honda	$ 2,879	$ 240
Toyota	$ 2,893	$ 241
Ford	$ 2,649	$ 221
Hyundai	$ 2,870	$ 239
Kia	$2,479	$207
GMC	$ 3,776	$ 315
Chevrolet	$ 2,529	$ 211
RAM	$2,794	$233
Dodge	$ 2,794	$ 233
Jeep	$ 2,505	$ 209
Subaru	$ 1,971	$ 164
Mazda	$ 2,605	$217
Nissan	$3,194	$ 266
Volkswagen	$ 3,167	$ 264
Mercedes	$ 1,903	$ 159
BMW	$ 2,527	$ 211
Tesla	$ 3,276	$ 273
Audi	$ 2,509	$ 209
Lexus	$ 2,674	$ 223

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Recent Brampton car insurance quotes

2024/07/25

Shopper in BRAMPTON, ON
Vehicle: BMW X3 28i 4DR AWD 2017
CAA My Pace	$1,903
CAA Connect	$3,107
CAA	$3,275
Wawanesa	$3,308
Savings from top 4 cheapest quotes	$1,405

2024/07/24

Shopper in BRAMPTON, ON
Vehicle: HONDA CR-V LX 4DR 2WD 2019
Pembridge	$2,069
Travelers	$2,121
Chieftan	$2,424
CAA Connect	$3,519
Savings from top 4 cheapest quotes	$1,450

Ways you can save on Brampton car insurance

car drving in Brampton, Canada of Gurdwara Dasmesh Darbar Sikh temple

The reality is car insurance in Brampton is expensive. The good news is there are many ways you can save on coverage:

Keep a clean driving record: Insurance prices for Brampton drivers are already a lot. Not getting tickets or into 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: There are many different insurance discounts available to drivers. See how many you qualify to save as much as possible.

Brampton car insurance FAQs

Can I get cheap car insurance in Brampton?

Yes, you can get cheap car insurance in Brampton. Comparing car insurance quotes is the best way to find cheaper insurance. With ThinkInsure you can see rates from the top insurers and find a more affordable policy.

Why is Brampton car insurance so expensive?

Brampton has higher car insurance prices compared to most other Canadian cities because of factors such as collisions, claims, theft, 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 premiums.

When should you get a car insurance quote in Brampton?

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.

What is the best car insurance company in Brampton?

There is not one company that is the best or cheapest for auto insurance in Brampton. The insurer offering the lowest rates depends on your coverage needs. It also depends on your vehicle and many 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.

Driving in Brampton and auto insurance

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 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 focus and drive with care. If you don’t, more expensive car insurance could be in your future. Here are some statistics to put things into perspective:

Over 50,000 commute to Toronto for work from Brampton.
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 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 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 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.

Get Started

Sources

* 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, 2023, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Brampton on ThinkInsure.ca.

*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2023.

**** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2021, to October 1, 2022.

Insurance Blog And News

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

2024-07-25

Compare Cheap Brampton Car Insurance Quotes

Find lower rates and save $842* on car insurance in Brampton!

Compare Brampton car insurance quotes from the leading providers

Get the best rates for car insurance in Brampton

A quick summary of car insurance in Brampton