Cheap Brampton Car Insurance Quotes

According to the 2023 RATESDOTCA Insuramap data, the average premium in Brampton is $2,707 per year, which is almost twice as high as Ontario’s average of $1,744.

The biggest reason for such expensive premiums is traffic congestion, which has led to a high number of car accidents. The roads in Brampton are simply too narrow to handle the amount of cars going through them, which is not helped by construction and road closures. In fact, according to the Peel Regional Police, Brampton has more vehicle collision fatalities or life-threatening injuries than any other city in the region.

Brampton has seen a significant rise in car theft in 2023 – up to 300 cars a month, according to the Peel Region Police. That’s over 600 vehicles stolen in Peel Region, if you include Mississauga. What’s worse if that a stolen car can lead to a premium increase of up to 25% – a significant hike, especially if your premium is already high. This might have contributed to the overall increase in insurance premiums in Brampton.

Both Brampton and Mississauga have some of the highest car insurance premiums in Ontario. That said, according to the 2023 RATESDOTCA Insuramap data, Brampton is more expensive, with its average rate being $2,707 per year. Meanwhile, Mississauga’s average is $2,311 per year. In 2023, Brampton ended up being the most expensive city for auto insurance premiums in Ontario, with Mississauga occupying the third spot, preceded only by Toronto.

Why are insurance rates so expensive? Because of traffic. 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. These factors, along with the high accidents and crime rates, contribute to the substantial difference in car insurance rates in these neighbouring cities.

While drivers from Brampton who used RATESDOTCA to complete quotes saved an average of $1,471 on their annual premium in 2022, Mississauga drivers saved an average of $1,213 on their car insurance that year.*

*Represents the average saved by shoppers who obtained a quote on RATESDOTCA and transacted via our contact centre between January and December 2022.

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.

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:

• Enrol in telematics/usage-based discounts. Some insurance providers will reward you for installing apps and devices that track your driving. If you believe that you are a good driver, this will help you score great discounts on your annual premium. By law, insurers are not allowed to increase your premiums as a result of telematics data. This is a great option for younger drivers looking to save some money on their premiums.
  
• Bundle and save. Do you have home insurance? Bundling home insurance and car insurance together under one insurance provider will help your save on your insurance.
  
• Switch to winter tires in the colder months. Car insurance companies provide discounts for changing into seasonal tires on time, so not only are you protecting yourself on the road in the harsh winter, but also saving huge!
  
• Drive a hybrid/electric vehicle. Brampton isn’t alien to newer kinds of vehicles on the road, and if you are one of those who drive a hybrid car or an electric car, not only are you doing the planet a favour, but yourself too! Driving a hybrid vehicle lets you save up to 10% on your car insurance premiums.
  
• Take transit. Brampton has a thriving local transit system, and if you are able to take the public transport to work, you can roll in great savings on your insurance. Your commute has a big influence on your rates, so reduce your driving time and a reduction in your premiums usually follows.
  
• All in one. If you have more than one vehicle in your family, insuring all of them under the same policy can help you save on your car insurance rates.
  
• Increase your deductible. When you raise your deductibles, you benefit from a reduced monthly premium. A word of advice: make sure you can afford an increased deductible, as that's the amount you would have to pay in the event of a claim.
  
• Shop around and save. To save on car insurance, shop around for quotes from trusted insurance companies, and pick the quote that fits your budget. This will save you hundreds of dollars on your monthly insurance premiums. Compare using RATESDOTCA today!
  
• Take a certified driver education course. When you take a ministry-approved driver education class, not only can you benefit from getting an expert-led program, but also get you savings of up to 15% on your insurance premiums. There are schools that offer MTO-approved beginner driver education courses, and you can find the list of schools in the Ministry of Transportation's website.
  
• Drive safe. You are a good driver, sure, but things happen. Be careful and mindful on the roads, and avoid at-fault accidents, and speeding tickets. A clean driving record will fetch you great savings.

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.

Plenty of areas in Brampton experience car theft. If you live in such an area, or if you have a car that is more prone to getting stolen than others (check out our 2022 list of most stolen vehicles in Canada), then you consider the following ways to protect it:

• Lock your car. This one is obvious. Don’t leave your car running, close your doors and windows and set the emergency brake. Take your keys and your original ownership or insurance cards with you. Don’t leave any of them in the car.
  
• Make your car harder to steal. To make your vehicle harder to tow away, turn your wheels toward the curb. You may also want to back into your spot, if you have rear-wheel drive, or do the opposite, if you have a front-wheel drive.
  
• Protect your fob key. If you have a push-to-start car, put your fob key into a signal-blocking pouch or box that will prevent the signal from being picked up and reprogrammed by thieves. They can use your own signal to easily open and steal your car. Furthermore, don’t keep the fob key near the front door or a window.
  
  Finally, don’t lock your car from a distance, as it allows your signal to be picked up more easily. Lock the car from up close.
  
• Install a kill switch. By installing an ignition kill switch, you can keep your car from starting should thieves get their hands on it. This can also lower your insurance premium if you notify your provider.
  
• Etch your VIN onto your window. Etching your vehicle identification number (VIN) onto your window can deter potential thieves, according to police. This is an old method that still works in many cases.
  
• Get a steering wheel lock. Use a steering wheel lock – one that’s easy to see from outside – to both deter thieves and make the car harder to steal should they choose to steal it anyway.
  
• Get GPS tracking. With GPS tracking installed on your vehicle, you can make it easier for the police to track down the car if it ends up getting taken.

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.