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What our users say:

June 12
Quick response and was able to connect…
Quick response and was able to connect me with a broker rather quickly...well do...
June 11
Spoke with Gord Allen he answered all…
Spoke with Gord Allen he answered all my questions.
Patty Bryans
June 10
Fast process.I got a call just in…
Fast process.I got a call just in minutes
Zoltan gal
June 10
The service was quick and convenient.
The service was quick and convenient.
June 8
June 8
I found the representative to be very…
I found the representative to be very professional and informative.. I was asked...
Martin Sorenson
June 7
Amazing experience with Briana
Amazing experience with Briana. She was patient and very helpful. I would recomm...
Cassandra Tavares
June 5
excellent service
June 4
Highly recommended I saved a lot of…
Highly recommended I saved a lot of money and didn’t waste any of my time easy...
Rick V
June 3
Not too many questions
Not too many questions. Simply and easy to follow
Eric Gyamfi
June 3
Was extremely easy and quick to get a…
Was extremely easy and quick to get a quote. Friendly associate who was informat...
June 2
Great customer service!
Great customer service!
Owen Thompson
May 31
I really liked how this company did all…
I really liked how this company did all of the research for me . My advisor Rona...
Renee Thibert
May 28
Professional dialogue
Professional dialogue. Very knowledgeable.
Donato Simone
May 25
Customer service at its best
Customer service at its best. Maria was so great helping me a lot by providing m...
Adounis Hamade
May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest to find the best raye for any of my insurance a...
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 6
Easy and friendly process.
Easy and friendly process.
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel

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When you find the best quote, secure your Brampton auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Brampton.

Brampton has some of the busiest roadways in the country. It’s also the most expensive city in Ontario to insure a car. 

We’ve saved Ontario drivers hundreds of dollars by lowering their auto insurance bills and we can help you find a better rate, too. At, we work with car insurance brokers across Brampton to find you the best deal. 

We’ll compare multiple auto insurance companies serving Brampton and connect you with the broker offering the cheapest quote. Just enter your postal code and hit the pink button. 

Not ready to compare yet? Keep reading for tips on shopping for a cheaper car insurance policy in Brampton.

Front view of a car. Illustration.

See how our customers in Brampton save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 12, 2024
Female, 20 years old
Lowest Rate
Average Rate
Quote from June 11, 2024
Male, 34 years old
Lowest Rate
Average Rate
Quote from June 11, 2024
Male, 34 years old
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

Focus on

Driving in Brampton

Most popular cars in Brampton.

According to our data, these are the popular car brands in Brampton.

Popular Brands

  1. Honda
  2. Toyota
  3. Chevrolet
  4. Hyundai
  5. Volkswagen

Who shops for auto insurance in Brampton?

With so many cars and so many drivers, we end up running a lot of auto insurance quotes for Bramptonites. Based on our data, here's who's shopping for cheap auto insurance quotes in Brampton:

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

What can I do to get cheap car insurance in Brampton?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Your questions about car insurance in Brampton, answered.


How much is car insurance in Brampton?

Residents of Brampton pay some of the highest rates in the country, but that doesn’t mean that you’ll pay the same amount.

There is no standardized cost for car insurance in Brampton. Your premium will depend on a number of different factors — some which are in your control and some that are not. This may include the loss ratios of auto insurance companies in Brampton.

Keep reading for more information on how you can estimate your car insurance costs in Brampton.  

Which Brampton postal code has the highest average premiums?

The postal code with the highest average automobile insurance price in Brampton is the L6R postal code region. This region spans Mayfield Road to the north, Castlemore Road to the south, Airport Rd to the west, and Highway 410 to the east. 

Which Brampton postal code has the lowest average premiums?

The lowest prices for car insurance in Brampton are paid by the residents of the L6W postal code region. This region spans Queen Street East to the north, Highway 407 to the south, Main Street South to the west, and Highway 410 to the east. 

How do Brampton car insurance rates compare to other cities in Ontario?

Brampton lays claim to the highest car insurance rates in Ontario. To show you how Brampton rates compare to other major cities, we’ve benchmarked rates for four other regions against Brampton's.

  • Scarborough (12% lower)
  • North York (16% lower)
  • Mississauga (30% lower)
  • Toronto (40% lower)

Where do I get the cheapest car insurance quotes in Brampton?

That’s a tough question to answer. There isn’t one insurance company that provides cheap car insurance to all its customers.  Unfortunately, car insurance isn’t a product that lends itself to bargain-hunting. Nor would you want it to. If you get into an accident, you want assurance that you’ll have enough coverage to pay for your recovery. 

While there are many things you can do to secure an affordable car insurance rate in Brampton, there are some things that are out of your control. Because of a few persistent issues — namely insurance fraud — it is uniquely difficult to get cheap car insurance in Brampton. 

But there are things you can do to lower your car insurance costs:


  • Be a good driver - A driving record that’s free of claims and conviction will net you lower premiums. If you maintain a clean record, your insurance premiums will continue to go down over the years. Enrolling in a telematics program (where you allow your insurance company to track your driving via an app) can get you an extra discount of up to 20%. On the average insurance premium for Brampton drivers, that amounts to a sav
  • Consider usage-based auto insurance - More insurance companies in Ontario are beginning to offer usage-based car insurance. Insurance companies use very blunt metrics to calculate your premium. This type of policy calculates your premiums based on your actual, not estimated, mileage. You're usually required to install an app on your smartphone that tracks your driving. CAA and PC Insurance are some of the companies that offer usage-based auto insurance.
  • Reconsider extra coverage - To operate a car in Ontario, you need to buy third-party liability and accident benefits insurance. This covers your liability needs and helps pay for medical care and lost income. There are other optional policies you can add to your base policy to cover the cost of repairing or replacing your car. These will increase your premium. Double-check to see if you need them. It may be more cost-effective to pay for costs out of pocket.
  • Choose your car wisely - Some cars are more popular with thieves than others. This is a factor that insurance companies watch out for. Insurance companies also have a system to evaluate the probability of a car being involved in an accident, regardless of the driver.
  • Apply for discounts - Insurance companies offer discounts to responsible drivers. You can get discounts for putting on winter tires, joining a telematics program, taking a driver’s education course, and more.
  • Compare car insurance quotes - One of the quickest ways to reduce your car insurance bill is to compare quotes. After you find the insurance company offering you a lower rate, follow the steps above. A lower rate off the bat combined with good driving behaviours will bring your car insurance down. You can save thousands of dollars in the long term.

Why are Brampton car insurance premiums so high?

Brampton drivers, on average, pay the highest insurance premiums in Ontario. There’s no single answer for why this is the case. Peel police have noted that Brampton has a high rate of staged collisions.

Fraudsters use collisions to overstate damage or injuries and collect large insurance payouts.

There are higher speed limits in the region, too, which is a correlation for more collisions. For every 100 vehicles in Brampton, there are 11.5 claims, compared to the Ontario-wide average of 9.3 claims. The average Brampton claim costs insurance companies $14,800. For the rest of Ontario, it's $11,500, according to data provided by the Insurance Bureau of Canada.

Why is comparing car insurance quotes particularly important for Brampton drivers?

Comparing quotes from insurance companies is an easy way to find savings on car insurance. If you can find a lower rate and also maintain a good driving record, your insurance bill will shrink over time. The decline may be gradual, but you will save thousands of dollars over the years. Brampton drivers pay the most for insurance, but it also means they stand the save the most. Even a 10% reduction on the average Brampton auto insurance premium amounts to almost $500 in savings a year.

What factors determine my car insurance rates in Brampton?

Car insurance is a complex product. A lot of variables are taken into consideration when calculating your premium. Here are the major ones:

  • Your license level - Not having a full license will cause your premium to be higher. Conversely, having a full license has a positive effect on your car insurance rates. New drivers looking for car insurance in Brampton may see higher rates due to this factor. 
  • Postal code - Insurance companies calculate premiums based on postal code regions. Brampton has 400. The average car insurance premium will vary for residents in each one.
  • Mileage - Premiums are based on how many kilometers you drive a year. Insurance companies find your annual total by looking at the number of kilometers you drive per day. A Brampton driver who commutes to work in downtown Toronto drives approximately 40 km one way. That’s considered a long commute by insurance standards. The more time you spend on the road, the more likely you are to be involved in a collision.
  • Car make and model - The more expensive the model of car you drive, the more you’ll be paying to insure it. However, insurance companies also pay attention to other factors, like whether your vehicle is prone to theft. If your car’s on the “most stolen” list, even if it’s not a status symbol, you could be paying more than average to insure it.
  • Driving habits - Maintaining a record that’s free of claims and convictions will keep your premiums stable. Throughout the years, you will even see your insurance costs decline. However, car insurance rates for high-risk drivers in Brampton may be higher than the average rate.
  • Age - Young drivers — think age 30 and under — pay the highest car insurance premiums, even if they don’t have any claims or convictions to their names. This is another reason why coverage providers might be hesitant to give new drivers in Brampton a cheap rate on their car insurance.
  • However, being young isn’t the only way age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Toronto. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider of your auto insurance.  After age 70, though, you might see  your rate begin to creep up because people in your age group are more statistically more likely to need to file a claim and need longer to recover from an injury. Therefore, seniors in Brampton who hold car insurance policies may pay higher rates due to a higher rate of accidents in their age group. 
  • Coverage amounts - Buying coverage that exceeds what the law says is mandatory to have will result in a higher premium. Buying more coverage isn’t a bad idea if your car is a recent model. You can always ask your insurance company to downgrade your coverage later on.
  • Your insurance history - In addition to having a poor driving history, your insurance history can also play a role in determining your rates. If you've filed mulitple claims or have a history of missing payments, you may be given a higher rate. New immigrants who need car insurance in Brampton may also face challenges because they have no Canadian insurane history at all. 
  • Having consistent income - Having a consistent source of income means you're less likely to get behind on your payments. This is why students looking for car insurance in Brampton may face challenges securing an affordable rate. 

What types of auto insurance are offered in Brampton?

Third-party liability insurance and accident benefits - To operate a car legally in Ontario, you must have $200,000 in third-party liability insurance and at least $50,000 in accident benefits. This is a standard car insurance policy. It covers your liability as well as medical costs.

Collision - This will pay the cost of replacing or repairing your car if it’s involved in a collision. You must buy it extra.

Comprehensive - Adding this coverage to your base policy ensures you're covered if your car is damaged by anything other than a collision. For example, theft, vandalism, and falling objects.

Specified perils - This coverage only protects you against insurable perils that you specify.

All perils - This is a blend of comprehensive and collision insurance.

Facts and myths about driving in Brampton


  • Here are the top three busiest intersections in Brampton: Steeles and Bramalea Road, Airport Road and Steeles Avenue, and Steeles Avenue and Goreway Drive.
  • According to a 2018 study by Allstate Insurance, Brampton was Canada's sixth least safe city to drive in.
  • Brampton has a bus transit network affectionately referred to as the "Zoom" system.


  • Car insurance calculators will give Brampton drivers an accurate quote. False. You won’t get an accurate quote by inputting a few facts about your driving history. Insurance companies need more data than that. Take three minutes to complete a quote and speak with a Brampton car insurance bThere's no public transit in Brampton. False. Brampton has great public transit, including a new extension connecting to York University.
  • Brampton is merely a suburb of Toronto without any real downtown core. False. Brampton's historic and bustling Queen Street strip is lined with shops, boutiques, and great restaurants.
  • Brampton offers permit parking. False. Unlike many other GTA cities, Brampton doesn't offer permit parking.

Brampton driving tips

  1. Don't look up. Brampton is located beside Pearson International Airport, so planes can often be seen (and heard) whizzing by overhead. Avoid getting distracted — keep your eyes on the road, not on the sky.
  2. Try to avoid the 407 ETR unless you have a transponder. If you use the 407 ETR without a transponder, you'll be charged a $4.20 video toll fee, plus applicable rates, which can top $0.60 per kilometre during peak hours. Rates vary based on season.
  3. Keep up to date with construction. Major road construction is a constant in Peel Region. If you’re traveling in the area, plan accordingly.
Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for Before joining the team, Jessica worked as a National Online Journalist with and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

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*Represents the average saved by shoppers who obtained a Brampton quote on 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