Cheap Brampton Car Insurance Quotes


Brampton drivers save $1,859* on average by comparing quotes on

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How 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:

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).

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Brampton mandatory and optional auto insurance coverage

Insurance typeMandatory coverageOptional/ 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 InsuranceProvides 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 BenefitsProvides 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)OptionalDCPD 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)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers 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 CoverageOptionalCovers 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 CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers 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)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis 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 depreciationOptionalEnsures 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 coverageOptionalEnsures 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 glassOptionalFor 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 deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.


Sample car insurance quotes completed for drivers in Brampton, Ontario

Below are real quotes that were recently completed on 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 codeAverage 2023 premium

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.

RegionAs of Jun 2023As of Oct 2022As of June 2022As of Oct 2021As of Jun 2021
Other urban$1,652$1,588$1,574$1,564$1,579

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.


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 shoppers in Brampton saved an average of $1,859* 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. 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.

*Represents the average saved by Brampton shoppers who obtained an auto insurance 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

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 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 have been more collisions in your neighbourhood, you can expect your premiums to increase. In Ontario, the Financial Services Regulatory Body (FSRA) is the provincial body that regulates how rate changes.