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Brampton is not only the third-largest city in the GTA, and the ninth-largest city in all of Canada, but it's also a fast-growing suburb with thousands of commuters driving to work and back every day. If Toronto gets a bad rep for its crazy roads and snail-paced traffic, drivers in Brampton have it worse with never-ending constructions, gridlocked multi-lane roads, and many high-traffic intersections that pave the way for accidents and collision claims. Unfortunately, Brampton has some of the highest number of collision claims in Ontario at 7.1 percent per hundred vehicles according to a study conducted by Allstate Insurance Company. For Bramptonians this can be quite hard-hitting as this sort of accident frequency and higher claims have made this city, the home of the highest insurance premiums in Ontario.
It’s easier than spelling Chinguacousy! Gathering your information to get a simple quote is all you need to get started. Make sure you have the following ready:
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While auto insurance premiums in Brampton might be higher than other major cities in Ontario, comparing car insurance quotes can help you save. Drivers in Brampton have a plethora of options when it comes to car insurance providers available in the province. RATESDOTCA allows you to compare competitive rates from 30+ auto insurance providers.
It’s easy for you to compare car insurance quotes using our car insurance calculator that doubles as a quote comparison tool. Get started by entering your postal code below.
The city of Brampton sees a huge number of commuters and traffic on its roads every single day and getting into a fender bender can and does happen. Here are some refresher tips to help you stay safe on the road:
Brampton ranks as Ontario’s most expensive city for car insurance and just in the last year alone, the city has witnessed an increase in premiums at a rate that is nearly five times higher than the provincial average. With drivers on the road increasing on a daily basis, there is a higher rate of accidents and theft. These high accident rates alone bring the premiums up (more accidents = more claims). So, regardless of how safe a driver you are, if you live in Brampton with six-lane roads jam-packed with cars and trucks, you are paying the highest premiums in the province, and possibly, in the country.
How do Mississauga and Brampton, two of the three cities that constitute the Region of Peel, compare when it comes to car insurance rates? Mississauga drivers enjoy comparatively lower insurance rates than Brampton drivers. For commuters that drive to the city, Mississauga is located closer to Toronto and there is less time spent on the road than drivers coming in from Brampton. You could be driving the same car to the same office building in the bustling Financial District in downtown Toronto and would still pay more than your friend who lives in Mississauga. Brampton is growing rapidly, has a booming real estate, a thriving downtown core, and more young professionals making it their home, all of which contribute to a higher cost of living in Flower City. These factors, along with the high accidents and crime rates, contribute to the substantial difference in car insurance rates in these neighbouring cities. However, Mississauga’s insurance rates are still higher than the provincial average and rank third on the list of Ontario’s most expensive cities for car insurance. No matter which city you live in, comparing car insurance rates is the best way to save.
While drivers from Brampton who used RATESDOTCA to complete quotes saved an average of $917 on their annual premium in 2018, Mississauga drivers saved an average of $481 on their car insurance last year.*
*Savings number is calculated by deducting the lowest available quote from the 2nd lowest available quote to determine average savings
Drivers in Brampton pay the highest in car insurance rates in the province. With three of the busiest intersections in the region, it is important that you drive with care and remain collision free. In addition to comparing rates to find savings, you can also add eligible discounts to your policy and get great coverage with comparatively lower premiums by doing the following:
According to the Insurance Bureau of Canada, Brampton has seen increased crime rates in the area, particularly with the rise of auto theft and staged collisions. Staged collision is one of the most common types of auto insurance fraud that contributes to the increase in insurance premiums. In fact, GTA has earned the notorious title of being the “staged collision capital of Canada” by Rick Dubin, Vice President Investigations of IBC . You can play your part in fighting insurance fraud—make sure you understand your policy and coverage, never sign blank forms, get all your detailed bills, and review your claims diligently.
There are many factors affecting car insurance in Brampton, like traffic ticket and violations, high volume of auto theft, and increased auto insurance fraud. However, insurance companies also look at the driver and assign a risk profile based on various factors like driving experience, driving record, type of car, age, and more. If you have had one or more at-fault accidents, collisions, careless driving convictions, multiple speeding tickets, lapse in payments, etc., you could fall under the bracket of a ‘high-risk driver’. Did you know that driving a high-risk vehicle, like a luxury car or a sports car, could put you in the same bracket? High-risk drivers are more common in cities like Brampton where there are more cars on the road, with a higher likelihood of accidents, and auto crimes. When you compare quotes online, you can find the best rates and coverage for your unique driving situation.
* According to Statistics Canada, 2016 Census of Population
**According to CSI (Crime Severity Index), a Statistics Canada measure of all-police related crime, 2016 data.
*** 2017 Peel Region Annual Report
*Shoppers in Ontario who obtained a quote on RATESDOTCA and transacted via our contact centre from August to December 2020 saved an average amount of $676. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.