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.
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Get StartedRated 4.7 out of 5 stars in 1327 Google reviews
We help thousands of Brampton drivers save on their auto insurance.
See all reviewsMargaret Lubaszks
2023-09-21
Exceptional service by Neil Sullivan, setting up my new auto policy. Fast and smooth, very professional. Many thanks 😊 Margaret Lubaszka
Michael Francis
2023-09-18
Didn’t end up using them however found their sales team very knowledgeable and helpful.
coral moxam
2023-09-16
Called and spoke with Todd who got me the best rate ever. Thank you !
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 also have additional coverage such as collision and comprehensive coverage. You get your policy through a private insurance company.
All Brampton car insurance will include the minimum amount of coverage. A basic policy will include:
This is just the basics. People typically have a higher liability limit ($500,000, $1 million, or $2 million). They also increase accident benefits.
There are four main types of optional insurance you can add to your plan. Most drivers choose one of the following for added protection:
You also have the option to append endorsements to your plan. Ontario 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.
Brampton has the highest rates for car insurance in the province. On average, Brampton drivers pay about $2,500 annually for car insurance 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.
2020 data from the Insurance Bureau of Canada
Premiums change year to year. The dynamic nature of insurance rates means they change regularly, reflecting insurers' analysis of data regarding claims, repair expenses, accidents, and various 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 2023 in Brampton:
| Year | Average annual premium |
|---|---|
| 2023 | $2,657 |
| 2022 | $3,209 |
| 2021 | $3,295 |
| 2020 | $3,133 |
| 2019 | $2,842 |
| Average rate (2019-23) | $3,027 |
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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 with 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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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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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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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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The reality is car insurance in Brampton is expensive. The good news is there are many ways you can save on coverage:
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.
Brampton has higher car insurance prices compared to most other Canadian cities because of factors such as collisions, claims, theft, fraud, and many others.
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.
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.
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.
Find a lower rate for car insurance in Brampton today! Compare free quotes from Canada's leading insurers like CAA, Aviva, Intact, and more in just a couple of minutes.
Get startedBusy 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:
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.
Avg. Daily Commute Time
Avg. Annual Rainfall
Avg. Annual Snowfall
Rainy Days Per Year
Snow Days Per Year
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:
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:
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.
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