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Looking for better car insurance savings in Brampton? Is your policy coming up for renewal? We know you 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 over 50 insurance companies we'll be able to find you a better deal and save you hundreds on your auto insurance.

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.

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2021-06-14 20:36:58

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2021-06-10 17:19:22

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2021-06-10 16:00:50

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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.

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

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 coverage. This includes third party liability, accident benefits and DCPD coverage.

Most drivers in the province also have additional insurance such as collision and comprehensive coverage. You get your auto policy through a private insurance company.

How Much Does Car Insurance Cost In Brampton?

Brampton has the highest car insurance rates in the province. Drivers pay more than in any other city in the province. On average, they pay about $2,300 annually for car insurance premiums. 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

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 by area :

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 the rates up on your policy. 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. Compare quotes 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. Get a quote to find the cheapest auto insurance premium.

Does Auto Insurance In Brampton Cost More Than In Mississauga?

Brampton drivers pay the most for auto insurance in Ontario.Mississauga is not far behind. 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 Cheapest Car Insurance Company In Brampton?

There is not one company that is the cheapest for auto insurance rates. 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.

Driving In Brampton And Auto Insurance

Busy highways, intersections, commuter delays, construction and crashes are all part of a normal day driving in Brampton. So are higher car insurance rates. Does your policy give you the protection you need? Compare auto insurance quotes and options to find out. You never know what could happen on road. Make sure you are prepared to the right car insurance.

Here is some useful information for driving in 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

What Are The Driving Conditions In Brampton?

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 conditions.

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

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 about driving in the city :

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 main 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 In Brampton

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 :

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 highway.
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

It’s Easy To Compare Quotes And Get Insured With ThinkInsure

We know you don’t want to see your auto insurance costs to go up. 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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2021-06-16

Compare Brampton Car Insurance Quotes

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