Mississauga car insurance rate trends by year (2020-2025)
Auto insurance premiums in Mississauga are on an upward trend. They are the highest they’ve been since 2020.
There was some consistency in the three years following the pandemic
.
Insurance costs change regularly. These adjustments are based on insurers’ analysis of data about claims, repair costs,
accidents, and various other industry factors.
| Year | Avg annual premium |
|---|
| 2025 | $2,602 |
| 2024 | $2,438 |
| 2023 | $2,432 |
| 2022 | $2,447 |
| 2021 | $2,591 |
| 2020 | $2,609 |
Source: Thinkinsure customer estimated quote data, updated January 31, 2026***
Mississauga auto insurance premiums by age
Age matters in insurance. Older, more experienced drivers pose a lower risk, so they pay less than younger people who are still learning to drive.
Mature drivers pay 18% less than the average premiums in Mississauga. Young drivers pay 6.92% more.
| Age | Premium | Monthly | Difference |
|---|
| Young drivers (25 and under) | $2,782 | $232 | 6.92% |
| Middle age (25 - 50) | $2,572 | $214 | -1.15% |
| Mature/senior drivers (50+) | $2,130 | $178 | -18.14% |
Source: Thinkinsure customer estimated quote data, updated January 31, 2026***
Mississauga auto insurance premiums by gender and marital status
Insurers use demographic information to assess potential risk. Male drivers in Mississauga pay more than women, but only slightly more.
Married and single individuals pay very similar premiums. The difference is negligible.
| Gender and marital status | Premium | Monthly | Difference |
|---|
| Male | $2,611 | $218 | 0.35% |
| Female | $2,577 | $215 | -0.96% |
| Married | $2,574 | $215 | -1.08% |
| Single | $2,631 | $219 | 1.11% |
Source: Thinkinsure customer estimated quote data, updated January 31, 2026***
Mississauga auto insurance premiums by driving record
Maintaining a clean driving record is your best defence against rising premiums:
- Even one ticket or accident can increase your rates by almost 20%.
- Policy cancellations or license suspensions can increase your rates by almost 90%.
| Driving record | Premium | Monthly | Difference |
|---|
| Clean driving record | $2,602 | $217 | 0.00% |
| 1 ticket in past 3 years | $3,023 | $252 | 16.18% |
| 1 accident in 3 years | $3,200 | $267 | 22.98% |
| 1 cancellation in 3 years | $4,019 | $335 | 54.46% |
| 1 suspension in 3 years | $4,873 | $406 | 87.28% |
Source: Thinkinsure.ca customer estimated quote data, updated January 31, 2026***
Mississauga car insurance premiums by vehicle brand
The vehicle you drive can affect your premiums by hundreds of dollars annually. The most affordable brands in Mississauga include GMC, Chevrolet, and Hyundai. The most expensive are Jaguar, Audi, Tesla, and BMW. Here’s a breakdown of insurance by vehicle brand:
| Vehicle brand |
Premium |
Monthly payment |
| Jaguar |
$3,552 |
$296 |
| Tesla |
$3,096 |
$258 |
| Audi |
$2,920 |
$243 |
| BMW |
$2,909 |
$242 |
| Mitsubishi |
$2,835 |
$236 |
| MINI |
$2,834 |
$236 |
| Lincoln |
$2,832 |
$236 |
| Mazda |
$2,773 |
$231 |
| Chrysler |
$2,724 |
$227 |
| Mercedes-Benz |
$2,708 |
$226 |
| Lexus |
$2,746 |
$229 |
| Volvo |
$2,579 |
$215 |
| Nissan |
$2,629 |
$219 |
| Toyota |
$2,624 |
$219 |
| Infiniti |
$2,574 |
$215 |
| Honda |
$2,578 |
$215 |
| Kia |
$2,587 |
$216 |
| Ford |
$2,456 |
$205 |
| Volkswagen |
$2,461 |
$205 |
| Jeep |
$2,627 |
$219 |
| Land Rover |
$2,385 |
$199 |
| Acura |
$2,300 |
$192 |
| Hyundai |
$2,279 |
$190 |
| RAM |
$2,097 |
$175 |
| Chevrolet |
$2,062 |
$172 |
| Subaru |
$2,003 |
$167 |
| Buick |
$1,943 |
$162 |
| GMC |
$1,743 |
$145 |
Source: Thinkinsure customer estimated quote data, updated January 31, 2026***
