Cheap Brampton Car Insurance Quotes
Brampton drivers save $884* on average by comparing quotes on InsuranceHotline.com
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- How does Brampton auto insurance work?
- How to get the cheapest Brampton car insurance quote
- Brampton mandatory and optional auto insurance coverages
- How much does Brampton car insurance cost?
- Where in Brampton are the cheapest car insurance rates found?
- Compare Brampton car insurance premium against other Ontario regions
- Factors that determine your Brampton car insurance rate
- How to get the cheapest car insurance in Brampton
- Frequently asked questions about Brampton car insurance
How to get the cheapest Brampton car insurance quote
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| Cheapest Rate | $2,217 |
| Average Rate | $2,745 |
| Savings: $528 (19%) | |
| Cheapest Rate | $3,181 |
| Average Rate | $3,888 |
| Savings: $707 (18%) | |
| Cheapest Rate | $2,408 |
| Average Rate | $4,726 |
| Savings: $2,318 (49%) | |
Content Manager
Updated On
June 10, 2024How does Brampton auto insurance work?
Across the province, driving a car that isn’t insured is illegal. The Ontario government sets auto insurance requirements, which include:
- Third-party liability coverage
- Statutory accident benefits
- Direct compensation for property damage (DCPD)
- Uninsured automobile insurance.
Brampton drivers can buy additional insurance coverage, which is optional, and will provide extra insurance beyond a standard policy.
Ontario is also a no-fault province. It means that after a collision between two or more cars, each driver will deal with their respective insurance company to settle the claim, regardless of who is at fault in the accident.
As a driver in Ontario, you can only buy insurance from private companies (unlike in other provinces, where the provincial government provides coverage). You can purchase a policy from brokers, agents, or directly from insurers (also known as direct writers).
Changes to Ontario auto insurance: 2024 reforms
Drivers will have the option to remove currently mandatory accident benefits from their auto insurance policy within the next two years, according to the 2024 Ontario budget. Here's what that will look like:
- Coverage that will become optional are the caregiver benefit, housekeeping and home maintenance expenses benefit, income replacement benefit, and death and funeral benefits.
- Coverage that will remain mandatory are benefits for medical, rehabilitation, and attendant care.
The changes to accident benefits are expected to take effect sometime in 2026, after the province finishes consulting with car insurance providers. Here's what else is new:
- The province also wants to make auto insurance companies the first payer for medical and rehabilitation benefits a person's private medical insurance is the first payer). This is supposed to streamline the claims process, leading to quicker resolutions.
- And in case you missed it, direct compensation for property damage (DCPD), once mandatory, became an optional coverage in January 2024.
The main takeaway
No matter what, your first step should always be to compare insurance companies online. The Ontario government says that comparison shopping is essential to find the lowest rate. Rates comparison websites like ours have made it easier to act on that advice.
Enter your postal code, and we'll source quotes from 50+ insurance companies in less than three minutes. You'll instantly see which insurer offers your lowest rate.
Our services are always free, and there's no obligation. A lot of drivers use comparison sites purely for research. However, if you're ready to switch insurance companies, we'll be in touch to connect you with the broker who can help you lock in your new rate.
Brampton mandatory and optional auto insurance coverage
| Insurance type | Mandatory coverage | Optional/ Additional Coverage |
|---|---|---|
| Third-Party Liability | $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. | Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit. |
| Uninsured Automobile Insurance | Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. | Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist. |
| Statutory Accident Benefits | Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP. | Coverage limits can be increased. |
| Direct Compensation-Property Damage (DC-PD) | Optional | DCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. |
| Collision Coverage (Also Upset Coverage) | Optional | Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property. |
| Comprehensive coverage | Optional | Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism. |
| Specified Perils Coverage | Optional | Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc. |
| All-Perils Coverage | Optional | Combines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle. |
| OPCF 20: Coverage for Transportation Replacement | Optional | Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen. |
| OPCF 27: Liability for Damage to Non-Owned Automobile(s) | Optional | Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000. |
| OPCF 39: Accident Waiver/Forgiveness | Optional | Protect your premium from rising when you have your first at-fault accident. |
| OPCF 16: Suspension of coverage | Optional | This allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car. |
| OPCF 43: Waiver of depreciation | Optional | Ensures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car. |
| OPCF 44R: Family protection coverage | Optional | Ensures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder. |
| OPCF 13C: Limited glass | Optional | For a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy. |
| OPCF 40: Fire and theft deductible | Optional | Adds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim. |
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Sample car insurance quotes completed for drivers in Brampton, Ontario
Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Brampton, Ontario
Male, age 31, Brampton, ON
Driving: 2016 Honda Accord 4DR
Current Rate: $2,969
Lowest Rate Available: $2,572
Insurance Company: TD Insurance
Annual Savings: $397
Female, age 52, Brampton, ON
Driving: 2016 BMW 550
Current Rate: $2,412
Lowest Rate Available: $2,277
Insurance Company: Johnson Insurance
Annual Savings: $135
male, age 61, Brampton, ON
Driving: 2014 BMW 650 Gran Coupe
Current Rate: $3,156
Lowest Rate Available: $2,873
Insurance Company: Zenith Insurance
Annual Savings: $283
Female, age 22, Brampton, ON
Driving: 2010 Honda Civic 4DR
Current Rate: $2,539
Lowest Rate Available: $2,294
Insurance Company: Cooperators
Annual Savings: $245
Female, age 38, Brampton, ON
Driving: 2017 Nissan Rogue
Current Rate: $2,683
Lowest Rate Available: $2,275
Insurance Company: belairdirect
Annual Savings: $408
Male, Age 37, Brampton, ON
Driving: 2013 Toyota RAV4
Current Rate: $2,402
Lowest Rate Available: $1,922
Insurance Company: TD Insurance
Savings: $480
How much does Brampton car insurance cost?
In 2023, the average Brampton car insurance premium was $2,707, making it the most expensive city for car insurance in Ontario.
Claims determine car insurance rates. Where claims are abundant, higher premiums are inevitable; this is undeniably the case in Brampton. According to the Insurance Bureau of Canada (IBC), auto claims occurred 25% more often in Brampton. Peel Regional Police also found that collisions in 2022 were up 55% since 2018.
The type of car insurance claim that is the most common in Brampton is also the most expensive kind: accident claims. Brampton accident claims are also 20% more expensive than average, according to the IBC.
The Brampton average was found by generating a quote based on a 35-year-old male with a G license and a good driving and insurance history. Our persona also chose collision and comprehensive insurance, which are optional coverages. We selected the lowest premium offered to this persona.
Where in Brampton are the cheapest car insurance rates found?
The cheapest average premium in Brampton in 2023 was $1,625, found in the L6V postal code.
- West and east boundaries: Main St N and Hwy 410
- North and south boundaries: Bovaird Dr E and Queen St E
Right below it, in the L6W, area premiums are $2,634, which is 62% higher than the ones in the latter postal code.
To the east, in L6T, premiums are $2,942, which is 81% higher than the L6V's.
| Brampton postal code | Average 2023 premium |
|---|---|
| L6P | $2,788 |
| L6R | $2,922 |
| L6S | $2,795 |
| L6T | $2,942 |
| L6V | $1,625 |
| L6W | $2,634 |
| L6X | $3,018 |
| L6Y | $2,634 |
| L6Z | $2,788 |
Source: RATESDOTCA Insuramap
Compare Brampton car insurance premium against other Ontario regions
The region you live in significantly impacts your car insurance rates: smaller, rural municipalities are considered lower risk than urban areas, so insurance tends to cost less. Conversely, the Greater Toronto Area (GTA) is one of Canada's most populated areas, which explains why car insurance premiums here cost 72% more than what drivers in rural Ontario pay, according to the Financial Services Regulatory Authority (FSRA), the province's car insurance regulator.
Of the GTA cities, Brampton is the most expensive city for car insurance. As of 2023, the average premium in Brampton is $2,707 — 55% higher than the provincial average, according to the RATESDOTCA Insuramap data.
Next is Toronto, at $2,325. Other GTA cities are close behind. Occupying the third, fourth and fifth spots are Mississauga ($2,311), Richmond Hill ($2,188) and Vaughan ($2,158).
The good news: Even if it is a major contributor, your city isn't the only thing that impacts your rate. Your personal driving and insurance histories and the car you choose contribute to your premium and are all things you can control.
Make sure you're getting the best car insurance rate possible by regularly shopping around and comparing rates — it’s one of the best defences against increasing car insurance prices.
| Region | As of Jun 2023 | As of Oct 2022 | As of June 2022 | As of Oct 2021 | As of Jun 2021 |
|---|---|---|---|---|---|
| Ontario | $1,737 | $1,673 | $1,658 | $1,645 | $1,664 |
| GTA | $2,323 | $2,241 | $2,223 | $2,208 | $2,241 |
| Other urban | $1,652 | $1,588 | $1,574 | $1,564 | $1,579 |
| Rural | $1,353 | $1,305 | $1,295 | $1,285 | $1,295 |
Factors that determine your Brampton car insurance rate
Insurance companies quantify many risk factors to calculate your insurance premium. Their goal: to predict how much they might have to spend paying you a claim. Here are the major factors insurers weigh.
Neighbourhood
In Ontario, car insurance companies divide customers according to their forward sortation area (the first three letters of your postal code). They monitor claims activity within that territory, creating a benchmark for the average premium. Driving behaviour, congestion, and theft rates all drive claims. The more claims within an FSA, the higher the average premium charged.
Vehicle type
Insurers also look at the car you drive. The cost to repair or replace a vehicle varies by make and model. For example, luxury cars cost more to repair than an economy car.
Daily commute
The more time you spend on the road, the more likely you will file a claim eventually.
Driving and insurance history
Serious traffic convictions and at-fault accidents will stay on your insurance record for at least six years. During that time, you’ll pay more for insurance.
Coverage level
Buying coverage that exceeds the mandatory requirements is often a wise choice. However, it will raise your premium.
Discount eligibility
Your age, occupation, and alma mater are all potential sources of discounts.
Additional drivers
Adding a secondary or occasional driver to your policy will raise your premium since the car will be in use more often. Insurers must also account for the other driver’s insurance and driving history.
Bundling home and auto insurance
Buying home and auto coverage from the same insurance provider will lower your premium by up to 20%.
How to get the cheapest car insurance in Brampton
Saving on car insurance is easier than you think. Following these 10 tips will bring down your Brampton car insurance premium.
Shop around
InsuranceHotline.com shoppers in Brampton saved an average of $884* on their car insurance premiums by comparing car insurance quotes from over 50 insurance companies in Canada.
Increase deductibles
Raising your deductibles could result in a small discount on your premium. Only do this if you have an adequate reserve fund to cover the increased cost.
Lump sum payment
Paying for the entire year upfront often results in a small discount. The insurance company is passing on the savings they get from not processing your monthly payment.
Bundle all policies
Next to comparing rates, buying auto and home insurance from the same provider is one of the best ways to lower your insurance costs. You can save between 5% and 15% (sometimes 20%) on each policy.
Insure all vehicles
Do you have more than one vehicle in your household? Insure them with the same provider, and you'll save between 10% to 20%.
Change tires seasonally
Driving on winter tires between November and April can save you about 5% on your premium.
Compare annually
If you're already insured, the best time to compare quotes from other insurance companies is shortly before your current policy renews. Your insurer offers a grace period where you won't have to pay a penalty for terminating your policy early. Compare rates annually and get rid of coverages you no longer need.
If you plan on buying a car soon, getting insurance estimates for multiple vehicle types is also a good idea, as insurers also base premiums on make and model. This advice also applies if you're planning on upgrading your current car.
Use a telematics device
Allow your insurer to monitor your driving habits, and they will reward you with a reduced rate at renewal, sometimes as much as 25% off your first-year premium.
Ask about discounts
Savvy drivers ask about discounts they might be eligible for, including alumni and claims-free savings.
Go to driving school
Are you a new driver, or is your child almost ready to take the wheel? Consider an accredited driver's education course to save on Brampton car insurance.
Living in Brampton doesn't mean you have to pay high car insurance rates
We help you compare Brampton auto insurance quotes to save money
The key to savings is to pinpoint the car insurance company that offers you the cheapest available rate. But who has time to call multiple car insurance companies for quotes?
Getting quotes online is the better way. InsuranceHotline.com will bring you quotes from over 50 trusted Canadian insurance companies in the time it takes to apply to get just one. Compare today to save time and money.
*Shoppers in Brampton who obtained a quote on InsuranceHotline.com from January to December 2023 saved an average of $884 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by InsuranceHotline.com.
Frequently asked questions about Brampton car insurance
Here are some of the most common questions we get about car insurance in Brampton.
Which companies offer the cheapest car insurance in Brampton?
Every insurance company analyzes driver risk slightly differently. The company willing to offer the lowest premium differs by applicant, and the cheapest company for you will change as your driver profile changes —which is why it pays to shop around. Compare quotes on InsuranceHotline.com to see prices from multiple companies.
Why is Brampton car insurance so expensive?
Car insurance prices in Brampton have long surpassed the provincial average. In general, cities with higher-than-average car insurance rates usually have higher instances of claims, and the claims filed tend to be for large amounts. This is the case with Brampton.
Why do Brampton car insurance rates change over time?
Insurance companies adjust their rates in response to the number and manner of claims they receive. If there are a lot of insurance claims happening in your area, it’s likely that your insurance premiums will go up. In other words, when many people in your neighborhood are making claims, the insurance company may adjust the rates for everyone living there. In Ontario, the Financial Services Regulatory Body (FSRA) is the provincial body that regulates how rate changes.
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