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January 28
This ppl are amazing and very…
This ppl are amazing and very understanding my situation. The costumers Services...
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January 28
Excellent service
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January 24
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Waited on hold but not too long. Connected to an individual in about 5 minutes. ...
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January 24
Excellent and efficient
Excellent and efficient, friendly service.
January 24
January 23
It was quick and precise info which led…
It was quick and precise info which led me directly to lowest insurance premium ...
January 22
There service is great
There service is great, I have no complaints. 👌
January 22
Great experience and got a good deal on insurance
Great experience gotta good deal on insurance an agent was very good at his job,...
January 21
Preparedness on behalf of contact team
Preparedness on behalf of contact team
January 20
Great customer service!
Great customer service!
Ron Zeraldo
January 20
Cassandra McAlpine Professionalism.
Cassandra McAlpine was absolutely great. Very professional, and very polite. I w...
January 18
The company was very quick and…
The company was very quick and efficient at getting someone to help me with a qu...
January 17
Very prompt service and friendly staff
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January 14
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January 13
Have your information ready.
Pleasant experience speaking with broker on the phone about my insurance needs. ...
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Extremely quick and helpful response
Extremely quick and helpful response
January 12
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Simple to use website. Range of prices for different companies . Very quick foll...
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January 11
Representative was very professional…
Representative was very professional and answered all my questions.
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Very professional and have patience…
Very professional and have patience answering my questions
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timely response straitforward discussion.
timely response. straitforward discussion.
December 31
Professional knowledgeable staff
Very quick response to my application. Professional knowledgeable staff. Smoot...
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December 22
Barrett was extremely helpful and…
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When you find the best quote, secure your Mississauga auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Mississauga.

It costs over $3,000 a year to insure a car in Mississauga, according to our user data — that’s a nice chunk of change.

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How, you ask? First, we'll quote multiple car insurance companies serving Mississauga. Next, we'll connect you with the broker offering the cheapest one.

We’ve helped thousands of Mississauga drivers lower their car insurance bill and we’re pretty sure we can work our magic on you too.

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Not ready to compare quotes yet? Read on to learn more about shopping for cheap auto insurance quotes in Mississauga.

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Focus on

Driving in Mississauga

Most popular cars in Mississauga.

Mississauga residents love their Hondas, which makes sense, given the Honda Civic is the most popular vehicle in the country.

Popular Brands

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

Who shops for auto insurance in Mississauga?

Based on our data, here's who's shopping for car insurance in Mississauga.

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 Mississauga?

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 Mississauga car insurance, answered.


How much is the cost of car insurance in Mississauga?

The average cost of car insurance in Mississauga is 43% higher than the provincial average of $1,505, according to our 2019 user data.

That’s a pretty convincing reason to compare quotes, if you ask us.

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

Car insurance prices are high in Mississauga, but it could be worse. Mississauga isn’t the most expensive place for car insurance in the Greater Toronto Area, according to our 2019 user data.

We’ve also benchmarked the average rates of the other regions in the GTA to Mississauga’s average auto insurance rate.

  • Brampton (36% higher)
  • Scarborough (20% higher)
  • North York (14% higher)
  • Etobicoke (9% higher)
  • Mississauga: $3,511.26
  • Toronto (10% lower)

Which Mississauga postal code has the highest auto insurance rates?

The portion of Meadowvale with the postal code L5W has the highest auto insurance rates: $3,938 per year. It’s located in the northwestern part of Mississauga and is bound by Hwy. 407 to the north, Hwy. 401 to the south, the Credit River to the west, and Hurontario Street to the east.

Which Mississauga postal code has the lowest average premiums?

The upscale districts of Lorne Park and Port Credit (L5H) have the lowest average car insurance premiums in Mississauga at $2,644 per year.

Why is auto insurance so expensive in Mississauga?

We can't say exactly why automobile insurance in Mississauga is so high. Mississauga is home to nearly a million people and the majority of them drive. A larger population means a higher chance of collisions and theft. This results in more claims, which pushes car insurance rates up.

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

There isn’t one insurance company that hands out coverage to drivers at a discount. Insurance companies don’t compete on price.

That's why insurance companies advertise their platform’s ease of use, their customer service, or their community legacy.

Each one calculates premiums differently. And they don’t share their algorithms with other insurance companies, either.

If you find a cheaper quote on our site and take it to your current insurance company with the hope that they'll match the price, they won't.

But it’s still possible to find a cheaper car insurance. The fact that each one calculates risk slightly differently can work in your favour. As does the fact that there are a lot of companies in the Ontario car insurance market.

Plus, do you really want cheap car insurance? Probably not. What drivers in Mississauga do want is affordable car insurance that also offers the right amount of protection. 

It might cost you more than you thought it would. That's okay. Being underinsured will wind  up costing you, too. You want to be assured that you will have enough coverage should anything happen to you. Anything less is a waste of money. 

All this is to say: it’s possible that your current Mississauga auto insurance company might not give you their best rate up front. A car insurance broker in Mississauga can help you figure out how much insurance you really need, and comparing rates is the best way to ensure you’re paying the best price. 

What factors determine my car insurance rates in Mississauga?

Many factors determine your car insurance rates in Mississauga. Some you can control and some you can't.

Before giving you an estimate, Mississauga car insurance providers will look at several factors.

Your driving history - Having good driving habits will greatly reduce the amount you pay for insurance. Joining a telematics program, where you allow your insurance company to track your driving (your speed, how hard you break, how you handle turns), can net you savings of up to 25%. This factor also makes it harder for new drivers in Mississauga who need car insurance to find affordable rates.

In addition, if you’ve been deemed a high risk driver and you need car insurance in Mississauga, your driving history may become an obstacle to obtaining a cheaper rate. Click here to learn more about high risk car insurance quotes for Mississauga drivers.

The car you drive - Insurance companies have figured out which cars are the least and the most likely to be involved in a collision, regardless of driver behaviour. The downside is that they don’t make that information public. Avoid cars that routinely wind up on the most-stolen list (looking at you, pick-up trucks) and buy ones that have robust safety features.

How much you drive - Insurance companies take into account how long you spend on the road each day. The more time you spend in your car, the more likely you are to be involved in an accident. That’s why when you apply for car insurance you’re asked about how many kilometres you travel per day. A long commute (30 km to 40 km) will increase your premium. Just because you have a car, doesn’t mean you should write off public transit. You can lower your car insurance bill by driving to a GO Train station and take transit the rest of the way. You might also want to consider using MiWay, Mississauga’s transit operator.

How much insurance you buy - The mandatory amount of insurance you have to hold to operate a car in Ontario is third party liability insurance (worth $200,000) and accident benefits (worth $50,000). You can buy extended insurance that covers the cost of replacing your car. If you opt for extra coverage — if you have a new car, this is a wise choice — it will raise your auto insurance premium.

Your insurance history - If you fail to pay a premium or cancel your insurance, you will pay higher insurance premiums. An absence of insurance history can also impact your rates. For example, rates for car insurance for new immigrants in Mississauga may be higher due to their lack of insurance history in Canada. Providers have little way of knowing whether what your claims and payment history looks like.

Factors that are out of your control include:

Your postal code - Insurance companies price their auto insurance based on postal code regions. Some regions experience more collisions and claims than others. The cost of insurance will vary by postal code region. There are 400 postal codes in Mississauga.

Your age - Your age has a lot to do with how much you pay. Young drivers pay the most for car insurance. Even if you’ve held car insurance since your teens, your premiums will be quite high until at least age 25. High premiums can persist until age 30. It really depends on the driver and the strength of their driving record.

This is why cheap car insurance for new drivers in Mississauga, along with other Canadian cities, can be hard to find. (Learn more about shopping for car insurance for students in Mississauga.)

This isn’t the only way your age can impact your car insurance. 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 require more time to recover from an injury. That’s why car insurance rates for seniors in Mississauga, and other Canadian cities, can be expensive. '

Industry loss ratios - Auto insurance companies occasionally face 'hard markets,' which means they’re spending more on claims than they're making from premiums. Things that contribute to this is the fact that cars are now more expensive to repair (due to features like back-up cameras), insurance fraud, and lawsuits.

Government regulation - In Ontario, the provincial government approves auto insurance price increases. Insurance companies say the government has suppressed insurance prices.

What kind of car insurance is available in Mississauga?

Third-party liability and accident benefits - This type of insurance is mandatory. It protects your liability and helps cover the cost of your medical treatment.

Collision insurance - This type of insurance covers the cost of replacing or repairing your car if it’s damaged or declared a total loss due to a collision.

Comprehensive insurance - This coverage handles the cost of damage incurred by theft and vandalism, weather events, earthquakes, explosions, and debris. This type of insurance also entitles you to a cash settlement if your car is declared a total loss.

Specified perils insurance - Covers you only against coverage risks that you specifically ask for. If it’s not written in the policy, it’s not covered.

All-perils insurance - This is a type of coverage that’s a hybrid of collision and comprehensive insurance. It provides compensation for damage caused to your vehicle due to a collision and from other types of risks, like weather, vandalism, or theft.

We recommend comparing car insurance quotes to find a better rate. Applying for a quote will also yield an accurate price. Car insurance calculator tools geared for Mississauga drivers require less information, but this also makes them less accurate. On, you’ll see what several insurance companies are willing to offer you, which should give you a sense of what the market looks like for a driver with your driving history.

Facts and myths about driving in Mississauga


  • In 2019, Mississauga adopted Vision Zero as policy: a global effort that focuses on eliminating pedestrian and driver injuries and fatalities. The city is funding a range of initiatives to combat road accidents. Toronto, London, and Hamilton have also adopted the framework. Vision Zero was developed in Sweden in the late ‘90s.
  • Mississauga is making some roads narrower to get drivers to slow down. The city’s doing this by repainting the yellow centreline and white edge lines.
  • Ten residential neighbourhoods have had speed limits reduced from 50 km/h to 40 km/h.
  • Mississauga reinstated a road safety committee to combat rising pedestrian and cycling deaths.
  • The city has more than 200 crossing guards at designated crossings around Mississauga.
  • Many Mississauga roads are named after the ancestral homelands of its inhabitants. From Croatia Drive to Latvia Court, Antigua Road to Indian Line, this city's street names are as diverse as its population.


  • It’s impossible to bike in Mississauga. False. Mississauga has 500 kilometres of trails, park paths, bike lanes, and signed bike routes. The city plans on adding an extra 397 kilometres by 2045. That said, cars still dominate as the most common transportation method.
  • Mississauga speed limits are higher than Toronto’s. False. Speed limits range between 40 km/hr to 90 km/hr — the same as in Toronto. Unless otherwise marked, the speed limit in Mississauga is 50 km/hr.
  • It’s easy to get away with speeding in Mississauga. False. Mississauga is taking measures to combat drivers who speed, including adding speed humps and installing pedestrian crossovers (crosswalks with extra signage and flashing overhead lights).

Mississauga driving tips

  1. At pedestrian crossovers and school crossings, drivers must stop and let pedestrians completely cross before advancing. Drivers that break this law face a penalty of anywhere from $150 to $500 and 3 demerit points. The penalties double if you're in community safety zones and schools.
  2. Drop your speed. As of late 2019, ten Mississauga neighbourhoods have lowered the speed limit to 40 km/hr.
  3. Watch out for cyclists in Mississauga. Sure, biking isn't as popular as it is in Toronto. But the number of people who commute by bike is on the rise. Peak traffic on Mississauga's network of bike lanes is in July and August.
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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