Cheap Car Insurance Brampton

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Mandatory car insurance in Brampton

Falling under Ontario’s provincial requirements, drivers in Brampton must have the following coverage:

Brampton drivers are required to have a minimum of $200,000 in third-party liability which will protect you if you’re sued for damages or injuries you are responsible for.

You must have a minimum of $50,000 in accident benefits. This will cover costs that exceed Ontario health care should you be injured in a collision.

Coverage for personal injury or property damage caused by an uninsured driver or a hit-and-run.

Financial protection if the other driver causes a collision and damages your car.

Additional coverage

To drive a car legally in Brampton, it is mandatory that you have at least $200,000 in third-party liability insurance and a minimum $50,000 in accident benefits. This is a standard car insurance policy which covers your liability as well as medical costs.

Many drivers choose to opt for additional coverage in order to protect themselves from a major financial burden.

Covers the cost of replacing or repairing your car if it’s involved in a collision. As this is optional, collision coverage will add an additional amount to your premium.

Choosing to include comprehensive insurance to your base policy will make sure you're protected should your car be damaged by anything other than a collision. This can be anything from fire, theft, vandalism, to falling objects and more.

Protection against insurable perils that you choose to include in your policy.

A combination of comprehensive and collision insurance.

What factors impact car insurance rates in Brampton?

There are several variables that are considered when it comes to determining your car insurance rates:

Postal code with the highest premiums: 

      • Drivers with the L6R postal code in Brampton have the highest premiums on average. This includes the area between Mayfield Road, Castlemore Road, Airport Road and Highway 410. These drivers can expect an annual rate of around $5,134.

Postal code with the lowest premiums:

      • You will likely find the lowest premiums in the L6W postal code region This includes the area between Queen Street East, Highway 407, Main Street South and Highway 410. These drivers can expect an annual rate of around $3,819.

Whether you have a clean record or not, if you’re a young driver, you will have higher rates than a driver with years of experience. This is because young drivers have a lack of experience and as a result are considered high risk.


Your rates should decrease once you are 25-30 years old, as long as you keep a clean record.

Keeping a clean record will save you money not only in tickets but also in car insurance. A clean record proves that you are a low risk driver and your insurance company will reward you for this. 


Drivers that receive traffic tickets or have been involved in an at-fault collision will likely see increased premiums.

In Brampton, your car insurance rate will depend on how often you drive. For example, a driver who spends hours on the road during their daily commute will pay more for insurance than a driver who only uses their car once a week to do their groceries or run to the pharmacy.

You can often get a discount on your car insurance, you just need to know where to look. For example, most companies will offer discounts for having winter tires or an anti-theft device, if you belong to a corporation, a school alumnus, or military. If the discounts aren’t clearly started be sure to ask.

How can I get cheap car insurance Brampton?

Not one insurance company is known to offer low premiums to their customers, which is why it is necessary to shop around and compare quotes. While insurance premiums in Brampton are high, there are several factors under your control that can lower your rates.

Insurance companies will reward you with lower premiums for keeping your record clean of claims and conviction. Over time, this can end up saving you thousands of dollars. You can also take advantage of discounts offered by insurance companies for taking a driver’s education course.

In order to save, you can take advantage of usage-based car insurance. This type of insurance will determine your rate based on your actual mileage rather than estimated. This will require you to download an app on your smartphone that will track your mileage. While not all insurance companies offer this type of insurance, it is worth checking out!

In Brampton, it is mandatory to have a minimum of $200,000 in third party liability and accident benefits insurance. While this is a base policy providing a small amount of protection, many drivers opt for additional coverage to cover the cost of repairing or replacing your car. While extra coverage will give you peace of mind, it will increase your premium at the same time. Before opting for added coverage, make sure it makes sense from a financial standpoint. Sometimes you might save more by paying for damages out of pocket.

If the type of car you drive is prone to theft, you might have a higher premium. The same goes for vehicles that are more expensive to repair or replace

Insurance companies offer discounts for a variety of reasons. For example, you can get a discount for installing winter tires or an anti-theft device, as this lowers your risk level. Discounts are also offered for those who are a part of a large corporation, military, school alumnus, and more. If you aren’t sure what discounts are available, be sure to ask.

In Brampton, the top three busiest intersections are Steeles and Bramalea Road, Airport Road and Steeles Avenue, and Steeles Avenue and Goreway Drive

There are so many factors that go into determining your premium and as a result, it is crucial that you shop around and compare rates before making a decision. You may be surprised at the cheaper rates you find when you compare the market. With so many companies competing for your business, you will likely be able to find a premium suited for your needs at a reasonable price. Even if you already have a policy, be sure to browse every once in a while as you never know what type of deal you might come across!

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