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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated July 27, 2023

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated July 27, 2023

Visit author page
Article Contents

Brampton Auto Insurance

Brampton is a wonderful place to live and work—but the constant construction, busy intersections, multi-lane roads, and heavy traffic flow can make navigating the city a challenge.

Accidents happen all the time and having good car insurance is a must. Even so, that doesn’t mean you have to spend a fortune insuring your car! Cheap car insurance in Brampton isn’t as difficult to find as you might expect.

Here at MyChoice, you can compare rates from up to 30 of Canada’s top insurance providers, making finding the best possible insurance at the best possible rate quick and easy—and we do mean quick. Our Brampton car insurance quote comparison service takes less than three minutes. Just fill out the short form above to get started.

Brampton Car Insurance FAQs

How much is car insurance in Brampton?

The average cost of car insurance in Brampton is $2,698 per year or around $225 per month. However, car insurance rates are based on more than location alone. Your rate may be higher or lower than average as a result of your driving record, vehicle type, age, gender, and more. The best way to get an idea of what your car insurance will cost in Brampton is to check your rates right here on MyChoice.

Is car insurance in Brampton expensive?

Brampton has the most expensive car insurance rates in Ontario at 80% higher than the provincial average, which is about $1,500 annually. Brampton residents also spend approximately 28% more than the Toronto average, which is about $2,100. Why?

As one of Canada’s fastest-growing cities and the third-largest metropolis in the GTA, Brampton has the highest number of vehicle crashes in Canada. Its proximity to Pearson International Airport combined with a swelling residential population makes its roads among Canada’s most travelled.

As a result, Brampton residents get in more accidents and file more claims than people living in most other areas in Ontario, which is a leading reason why insurance is so expensive in the city. On average, car insurance claims in Brampton are also more costly than those filed in other areas of Ontario. High-speed limits on many of the city’s motorways may play a role there.

How to get the cheapest car insurance in Brampton

Most people get sticker shock when they first move to Brampton and see their car insurance rates skyrocket. However, few people are willing to move to a new town just to save on their car insurance. Fortunately, there are things you can do to reduce your insurance costs beyond moving.

One of the best ways to lower your premiums is to shop around every year. Insurance premiums can vary widely between providers, even for the same driver and vehicle.

Beyond that, you can also upgrade your car’s security system or add features that make your vehicle safer, like putting on snow tires in the winter. There are other discounts available as well. Some insurance providers offer up to a 25% discount for car owners who purchase a usage-based policy, allowing insurers to track their driving habits. Bundling all your insurance policies with one insurer can cut your costs by 20%.

When is a good time to compare car insurance rates in Brampton?

At MyChoice, we make it easy to compare insurance rates at any time, but there are certain times that are better than others. Many insurers lower rates as you become a more experienced driver, so it’s a good practice to compare quotes around your birthday.

A change in your credit score will also impact your premiums since insurers factor in your financial history when calculating policy costs. Your rates will drop a couple of years after you’ve received a traffic ticket or following an accident, too. In general, anytime there’s a change in your life that could affect your car insurance costs, it’s best to compare quotes.

Which car has the cheapest car insurance in Brampton?

Insurers consider the type of vehicle you drive when they calculate your insurance cost. They offer discounts for vehicles with outstanding safety ratings and a low risk of theft. In Brampton, examples of cars that get the most significant discounts include the Honda CR-V, Toyota RAV4, Honda Civic, Toyota Corolla, Hyundai Elantra, Hyundai Kona, Kia Forte, Mazda CX-5, Chevrolet Cruze, and Kia Sorento.

What is the cheapest postal code for car insurance in Brampton?

Drivers who reside in postal code L6X have the lowest insurance rates in Brampton. Residents in the area pay between $900 and $1,200 less than people living in postal codes L6R, L6T, L6P, and L7A.

What are the most dangerous intersections in Brampton?

According to a study by Allstate, Brampton experiences the sixth-highest number of traffic accidents in Canada annually. Brampton’s Traffic Calming Program recently reviewed the city’s most trafficked roads—102 of them—and ranked them in terms of safety. The report ranked Queen Street East at Rutherford Road the most dangerous intersection in Brampton, and a State Farm study found that it was the third most dangerous intersection in Ontario.

Hurontario Street and Bovaird Drive, one of the most congested intersections in Brampton, is also the site of many vehicle and passenger accidents annually, as are the intersections at Steeles Avenue and Mavis Road and Steeles and Hurontario Street.

Why is Car Insurance so Expensive in Brampton?

Data from Allstate in 2018 showed that Brampton has the third-highest collision rates in all of Canada. Naturally, with such a high frequency of collision claims (7.1% per 100 cars over a ten-year span), the cost of Brampton auto insurance remains relatively high.

The combination of high population density and constant construction in and around Brampton has really taken its toll over the years. Fatalities have thankfully declined, but the number of collisions remains troublingly high. Insurance companies have taken notice, raising car insurance rates in Brampton to record highs.

However, just because you live in Brampton doesn’t mean you have to pay ridiculously high insurance premiums. There’s a smarter way to shop for cheap car insurance. We can help you compare car insurance rates in Brampton and find the best rate – hopefully saving you some money in the process.

What’s the Average Price of Car Insurance in Brampton?

Everyone knows that Ontario isn’t the best place to live when it comes to auto insurance rates. The combination of heavily populated cities and too many drivers means those in the GTA end up paying more than other Canadians for their car insurance. That leaves many of us looking for a way to keep those costs in check because insurance rates seem to just continue rising.

According to a report from the Toronto Sun, Brampton motorists paid an average of $2,494 annually for their auto insurance premiums in February 2019. And those car insurance premiums were on the rise too, increasing from $2,398 just six months prior.

The Western half of Brampton in the L7A and L6Y postal codes face the highest costs. Still, anyone living in Brampton can benefit from a low-cost auto insurance quote. Why pay more than average for your car insurance when you could be paying less than average?

Using our service can help close the gap between the high auto insurance costs in Brampton and the lower costs elsewhere in Canada.

Driving in Brampton, What You Need to Know

One thing you can count on when driving in Brampton is lots of construction—it’s never-ending. Growth in Brampton is snowballing, and keeping up with that growth has meant road construction projects all across the city. Of course, the wide-spread road construction leads to increased traffic congestion, causing some drivers to run out of patience. Road rage incidents have become a real problem.

However, there are some commonsense steps you can take to lower your chances of getting involved in an accident, which will also help reduce your car insurance costs. Leave plenty of room between your vehicle and other vehicles, don’t make any sudden stops or turns, and follow all traffic laws.

Likewise, be aware of accident-prone areas such as the intersection at Queen and Rutherford, which State Farm insurance has called one of the three most dangerous intersections in all of Ontario.

Driving in Brampton can be nerve-wracking—there’s no way to sugar-coat that fact. Having insurance you can count on is the best thing you can do to make the experience less stressful. That way, if you do get in an accident, at least you have the coverage you need.

We also recommend carrying full coverage and enrolling in a defensive driving course. Not only will a driving course help make you safer on the road, but many insurance providers offer a discount for doing so.

How to Get the Best Car Insurance Rate in Brampton

Because insurance companies look at the number of claims and the average cost of claims in an area when setting their rates, it’s not possible to avoid the high cost of insurance in Brampton altogether. It is possible to minimize your expenses, though.

There are several ways to lower your car insurance bill in Brampton, starting with using our quote comparison tools. After all, according to the Insurance Information Institute, the number one way to lower your insurance premium is to shop around.

They have a few other suggestions to help lower your insurance rate, such as increasing your deductible, bundling your auto and home or renters insurance, taking advantage of all available discounts, and of course, keeping a safe driving record.

That last one won’t just keep your auto insurance costs lower—it will also keep repair costs and potential health care bills low.

Compare Quotes for Brampton Car Insurance Today!

With so many different auto insurance companies across Canada, how do you know when you’ve found the best Brampton insurance quote? By comparing quotes on MyChoice!

We’ll save you the hassle of finding the best auto insurance prices in Brampton. Our comparison service means the insurance companies compete for your business, delivering the lowest possible rates. In just three minutes, you could have dozens of car insurance quotes to choose from.

We are committed to providing the best Brampton car insurance quotes without making you jump through any hoops. Our quote process is simple, and we’ve worked hard to ensure our rate comparison reports are too. No jargon or confusing layouts, just everything you need to find the lowest car insurance rates in one place.

Stop paying too much for Brampton car insurance. Lower your insurance costs with MyChoice today!

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