Contents Show
Things to Know Before Getting Brampton Car Insurance
If you are looking to get car insurance in Brampton, Ontario, Canada, here are some things to know before getting started:
- High insurance rates: Brampton has some of the highest car insurance rates in Ontario due to a combination of factors, including a high population density, a high number of accidents, and a high number of insurance fraud cases. Be prepared for higher insurance premiums compared to other cities in Ontario.
- Minimum coverage requirements: In Ontario, all drivers are required to have a minimum of $200,000 in third-party liability insurance, which protects you if you are at fault in an accident and covers damages and injuries you may cause to others. Brampton drivers may also want to consider additional coverage options to protect themselves and their vehicles in case of an accident or other types of losses.
- Car theft: Brampton has one of the highest rates of car theft in Canada, according to the Insurance Bureau of Canada. Be sure to take precautions to protect your vehicle, such as parking in well-lit areas and using anti-theft devices.
- Traffic congestion: Brampton is a rapidly growing city with a high population density, which can result in heavy traffic congestion and increased accident risk. Be prepared for longer commute times and be sure to obey traffic laws to help reduce the risk of accidents.
- Insurance discounts: Many insurance providers offer discounts for things like safe driving, multiple policies, and low mileage. Be sure to ask about any available discounts that you may be eligible for to help lower your insurance premiums.
- Insurance fraud: Brampton has been identified as a hotspot for auto insurance fraud, which can contribute to higher insurance rates. Be sure to only work with reputable insurance providers and report any suspicious activity to the authorities.
- Winter driving: Brampton can experience severe winter weather conditions, including snow and ice. Be sure to adjust your driving to suit the weather conditions and prepare your vehicle for winter driving, such as using winter tires and ensuring your brakes and other systems are in good working order.
- Independent insurance brokers: Brampton has a number of independent insurance brokers that can help you find the best coverage and price for your needs. Be sure to research each broker thoroughly and ask for recommendations from friends and family to find a reputable broker.
What is the Average Car Insurance Rate in Brampton
Brampton, Ontario has some of the highest car insurance rates in Canada, with an average annual premium of around $2,821.
Here’s a table showing the average car insurance costs range in Brampton for different driver profiles:
Please note that these are just estimated monthly costs and can vary based on various factors such as location, coverage limits, and the severity of the driving violations or accidents.
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $150 – $300 | $210 – $420 | $270 – $540 |
| G2 Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| Full G | $70 – $140 | $95 – $185 | $120 – $240 |
| Teenage Driver | $300 – $600 | $420 – $840 | $540 – $1080 |
| Young Driver | $250 – $500 | $350 – $700 | $450 – $900 |
| High-risk Driver | $500 – $1000 | $700 – $1400 | $900 – $1800 |
| Occasional Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Pleasure Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Commuting Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| Good Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Bad Driver | $500 – $1000 | $700 – $1400 | $900 – $1800 |
| New Driver | $150 – $300 | $210 – $420 | $270 – $540 |
| Secondary Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| 17 Years Old | $300 – $600 | $420 – $840 | $540 – $1080 |
| Seniors | $70 – $140 | $95 – $185 | $120 – $240 |
| Over 55 Years Old | $70 – $140 | $95 – $185 | $120 – $240 |
| Students | $120 – $240 | $165 – $325 | $210 – $420 |
| International Driver | $150 – $300 | $210 – $420 | $270 – $540 |
| Newcomers | $150 – $300 | $210 – $420 | $270 – $540 |
| Men Driver | $120 – $240 | $165 – $325 | $210 – $420 |
| Women Driver | $70 – $140 | $95 – $185 | $120 – $240 |
| Married Couples | $70 – $140 | $95 – $185 | $120 – $240 |
| Usage-Based | $70 – $140 | $95 – $185 | $120 – $240 |
| Uber/Lyft | $150 – $300 | $210 – $420 | $270 – $540 |
| Personal Use | $70 – $140 | $95 – $185 | $120 – $240 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Brampton:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $80 – $160 | $110 – $215 | $140 – $280 |
| Convertible | $90 – $180 | $125 – $245 | $160 – $320 |
| Hatchback | $70 – $140 | $95 – $185 | $120 – $240 |
| Wagon | $80 – $160 | $110 – $215 | $140 – $280 |
| Coupe | $80 – $160 | $110 – $215 | $140 – $280 |
| SUV | $90 – $180 | $125 – $245 | $160 – $320 |
| Truck | $85 – $170 | $115 – $225 | $145 – $290 |
| Minivans | $90 – $180 | $125 – $245 | $160 – $320 |
| Van | $90 – $180 | $125 – $245 | $160 – $320 |
| Electric Car | $100 – $200 | $135 – $270 | $170 – $340 |
| Hybrid Car | $95 – $190 | $130 – $255 | $165 – $330 |
| Multi Car | $80 – $160 | $110 – $215 | $140 – $280 |
| Exotic Car | $550 – $1100 | $770 – $1540 | $990 – $1980 |
| Luxury Car | $280 – $560 | $390 – $780 | $500 – $1000 |
| Classic Car | $110 – $220 | $150 – $300 | $190 – $380 |
| Vintage car | $100 – $200 | $135 – $270 | $170 – $340 |
| Sports Car | $220 – $440 | $305 – $610 | $390 – $780 |
| Leased cars | $95 – $190 | $130 – $255 | $165 – $330 |
| 2 Door | $80 – $160 | $110 – $215 | $140 – $280 |
Here’s a table showing the average car insurance costs range in Brampton for a driver profile of age 35, married, based on their driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Clean Driving Record | $80 – $160 | $110 – $215 | $140 – $280 |
| 1 At-Fault Accident | $100 – $200 | $140 – $280 | $180 – $360 |
| 2 At-Fault Accidents | $130 – $260 | $180 – $360 | $230 – $460 |
| 1 Non-Fault Accident | $80 – $160 | $110 – $215 | $140 – $280 |
| DUI Conviction | $130 – $260 | $180 – $360 | $230 – $460 |
| 1 Speeding Ticket | $85 – $170 | $115 – $225 | $145 – $290 |
| 2 Speeding Tickets | $105 – $210 | $145 – $285 | $185 – $370 |
How Does Brampton’s Average Car Insurance Cost Compare to Other Cities in Ontario?
Here is a list of the average car insurance rates in other major cities in Ontario, according to data from 2020:
- Toronto: $2,086
- Mississauga: $2,234
- Markham: $1,889
- Ottawa: $1,445
- London: $1,300
- Windsor: $1,291
- Kingston: $1,282
- Guelph: $1,276
Which Car Has the Cheapest Car Insurance in Brampton?
Here are some of the cars that may have lower insurance rates in Brampton, based on their affordability and other factors:
- Honda Civic -$2,276
- Toyota Corolla -$2,255
- Hyundai Elantra -$2,234
- Mazda3 -$2,276
- Ford Focus -$2,263
How to Get the Cheapest Car Insurance in Brampton?
Here are some tips for getting the cheapest car insurance in Brampton, specifically tailored to the city:
- Avoid high-risk areas: Brampton is a city with high traffic congestion and a higher risk of accidents. If you can park your car in a safe and secure location away from high-risk areas, such as downtown or heavily congested areas, this can potentially lower your insurance premiums.
- Consider public transportation: Brampton Transit offers a variety of transit options that can be more affordable than driving your car every day. Consider taking public transportation if you can to reduce your driving and potential risk of accidents.
- Install winter tires: Brampton experiences severe winter weather conditions, including snow and ice. Installing winter tires on your vehicle can help prevent accidents and reduce the likelihood of filing a claim. Some insurance providers offer discounts for drivers who use winter tires.
- Consider increasing your deductible: If you are a safe driver and have a good driving record, you may want to consider increasing your deductible, which is the amount you pay out of pocket before insurance kicks in. This can lower your monthly premiums, but make sure to choose a deductible you can afford in case of an accident.
- Look for discounts: Many insurance providers offer discounts for things like safe driving, multiple policies, and low mileage. Be sure to ask about any available discounts that you may be eligible for to help lower your insurance premiums.
- Choose a car with a lower insurance rating: The cost of car insurance can vary depending on the make and model of your vehicle. Cars with lower insurance ratings, such as smaller or less expensive cars, are likely to have lower insurance rates.
- Work with an independent insurance broker: An independent insurance broker in Brampton can help you find the best coverage and price for your needs. They can also help you identify the insurance providers who specialize in Brampton-specific policies.
Here are some Brampton car insurance facts to be aware of:
- High insurance rates: Brampton has some of the highest car insurance rates in Canada, due in part to a high population density, a high number of accidents, and a high number of insurance fraud cases.
- Auto insurance fraud: Brampton has been identified as a hotspot for auto insurance fraud, which can contribute to higher insurance rates. Some examples of fraud include staged accidents, fake claims, and false injury reports. It’s important to only work with reputable insurance providers and report any suspicious activity to the authorities.
- Car theft: Brampton has one of the highest rates of car theft in Canada, according to the Insurance Bureau of Canada. Be sure to take precautions to protect your vehicle, such as parking in well-lit areas and using anti-theft devices.
- High population density: Brampton is a rapidly growing city with a high population density, which can result in heavy traffic congestion and increased accident risk. Be prepared for longer commute times and be sure to obey traffic laws to help reduce the risk of accidents.
- Winter driving: Brampton can experience severe winter weather conditions, including snow and ice. Be sure to adjust your driving to suit the weather conditions and prepare your vehicle for winter driving, such as using winter tires and ensuring your brakes and other systems are in good working order.
- Distracted driving: Distracted driving is a leading cause of car accidents in Brampton, and Ontario as a whole. It’s important to avoid distracted driving behaviors, such as using your phone or eating while driving, to help reduce the risk of accidents.
- Insurance discounts: Many insurance providers offer discounts for things like safe driving, multiple policies, and low mileage. Be sure to ask about any available discounts that you may be eligible for to help lower your insurance premiums.
List of Best Car Insurance Companies in Brampton
Here are some of the best car insurance companies in Brampton, along with a brief company description and some reviews from the internet:
- Allstate Insurance: Allstate has been in business for over 65 years and offers a variety of car insurance options, including liability, collision, and comprehensive coverage. Customers have praised Allstate’s customer service and competitive rates.
- State Farm Insurance: State Farm is a well-known insurance provider that offers a variety of car insurance options, including liability, collision, and comprehensive coverage. Customers have praised State Farm for its helpful and knowledgeable agents.
- Belairdirect: Belairdirect offers car insurance coverage for all types of drivers, including those with high-risk profiles. Customers have praised Belairdirect’s competitive rates and fast claims processing.
- Intact Insurance: Intact Insurance offers a variety of car insurance options, including liability, collision, and comprehensive coverage. Customers have praised Intact Insurance for its excellent customer service and competitive rates.
- TD Insurance: TD Insurance offers car insurance coverage for all types of drivers, including those with high-risk profiles. Customers have praised TD Insurance for its helpful and knowledgeable agents and competitive rates.
List of Best Car Insurance Brokers in Brampton
Here are some of the best independent car insurance brokers in Brampton, along with a brief company description and some reviews from the internet:
- Cornerstone Insurance Brokers: Cornerstone Insurance Brokers is a family-owned and operated independent insurance broker that offers a wide range of insurance products, including car insurance. Customers have praised Cornerstone Insurance Brokers for its personalized service and competitive rates.
- Harris Insurance: Harris Insurance is an independent insurance broker that has been in business for over 35 years. The company offers a variety of car insurance options, including liability, collision, and comprehensive coverage. Customers have praised Harris Insurance for its knowledgeable and friendly staff.
- E.G. Murray Insurance: E.G. Murray Insurance is an independent insurance broker that offers a variety of car insurance options, including high-risk coverage. Customers have praised E.G. Murray Insurance for its excellent customer service and competitive rates.
- 416 Insurance: 416 Insurance is an independent insurance broker that offers car insurance coverage for all types of drivers, including those with high-risk profiles. Customers have praised 416 Insurance for its helpful and knowledgeable agents and competitive rates.
- Jai Insurance Brokers: Jai Insurance Brokers is an independent insurance broker that offers a variety of car insurance options, including liability, collision, and comprehensive coverage. Customers have praised Jai Insurance Brokers for its personalized service and competitive rates.
Tips for Drivers in Brampton
Here are some tips for drivers in Brampton:
- Watch out for traffic congestion: Brampton is known for its heavy traffic congestion, particularly during rush hour. Be prepared for longer commute times and plan your routes accordingly to avoid high-traffic areas if possible.
- Drive defensively: Defensive driving is key in Brampton, as the city has a high number of car accidents. Stay aware of your surroundings, obey traffic laws, and be prepared to react quickly to avoid accidents.
- Protect your car from theft: Brampton has one of the highest rates of car theft in Canada. Park your car in a well-lit area, lock your doors, and use anti-theft devices to help protect your vehicle.
- Be prepared for winter weather: Brampton experiences severe winter weather conditions, including snow and ice. Make sure your vehicle is equipped with winter tires, keep an emergency kit in your car, and adjust your driving to suit the weather conditions.
- Avoid distracted driving: Distracted driving is a leading cause of car accidents in Brampton, and Ontario as a whole. Avoid using your phone while driving, eating, or engaging in other activities that could take your attention away from the road.
- Get familiar with the city: If you are new to Brampton, take some time to familiarize yourself with the city’s roads and traffic patterns. Use a GPS or mapping app to help you navigate, and be aware of construction zones and detours.
- Check your insurance coverage: Make sure you have adequate car insurance coverage for your needs. Consider factors such as your driving record, the make and model of your vehicle, and the likelihood of accidents in Brampton when selecting your coverage.
What are the Most Dangerous Intersections in Brampton?
According to recent data from the Peel Regional Police, some of the most dangerous intersections in Brampton in terms of collision rates include:
- Steeles Avenue East and Airport Road
- Queen Street East and Kennedy Road South
- Steeles Avenue West and McLaughlin Road
- Queen Street East and Torbram Road
- Steeles Avenue East and Kennedy Road North
Total Reportable Collisions in Brampton, 2013 – 2021
According to data from the Peel Regional Police, the total number of reportable collisions in Brampton from 2013 to 2021 is as follows:
- 2013: 7,681
- 2014: 7,515
- 2015: 8,173
- 2016: 8,814
- 2017: 8,823
- 2018: 8,593
- 2019: 8,749
- 2020: 7,777
- 2021 (up to September 30th): 6,301
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
