All factors of geography that affect car insurance prices conspire against Brampton. The best policy rate available for a 35-year-old man who drives an 8-year-old sedan and has no marks on his driving record $1,845 annually. Compare this to the same drive, but change the location to Guelph, 70 km to the west. The Guelph driver saves over $800, almost half the premium for the same insurance.
Canada’s 9th largest city by population, Brampton sees congestion, poor road conditions, long commutes and a high incidence rate for accidents. Insurance claims costs in the area, also much higher than other parts of the province, may stem from an active insurance fraud network using facilities in the area. Auto insurance fraud practices stem from staged accidents, exploitative towing operators, over-billing repair facilities and unscrupulous medical and rehabilitation clinics. The cost per accident in Brampton is high. All local drivers share the cost to service the area.
Brampton is a young city, though the settlement predates the start of the 1800s. It wasn’t until 1974 that the area achieved city status. Known in the past for its nurseries, shoe manufacturing and insurance services, Brampton now boasts Loblaws, Maple Lodge Farms, Chrysler and Canadian Tire as a few of its main employers. Proximity to Toronto and comparatively low property values continue to draw businesses.
- 1 How Much is Car Insurance in Brampton
- 2 Affordable Car Insurance in Brampton
- 3 Discounts
- 4 Driving in Brampton
- 5 Road Information for Brampton
- 6 Driving Facts for Brampton
- 7 List of Insurance Companies and Brokers in Brampton Ontario
How Much is Car Insurance in Brampton
The table below shows Brampton car insurance estimates for a sample driver.
|Quote Date||Average Auto Insurance Cost in Brampton*|
*Methodology: We used a sample profile for a male driver aged 30 years with his own vehicle having mandatory coverage. He drives a Honda Civic 2012 car with an average mileage of 5000 – 8000 km per year to commute to work. He has a clean driving record history of 5 years with no accidents or collisions.
We surveyed the car insurance prices in the city of Brampton for the purpose of illustrating the range in quotes based on driving record, location, and other criteria. To get a customized quote, enter your postal code above.
Affordable Car Insurance in Brampton
The price motorists pay for life in Brampton is expensive auto insurance. While the insurance industry and local law enforcement address car insurance fraud, drivers must look to other ways to reduce policy prices.
Cutting back car insurance coverage to meet the provincial minimum requirement is only an option for a few drivers who are able and willing to take on the financial costs of repairing or replacing a vehicle after an accident. The standard provincial policy does not include collision or comprehensive insurance provisions. However, drivers financing car purchases may find that lenders have insurance requirements.
Many Ontario drivers have additional third party insurance coverage. This is a wise move since the provincial requirement is only for $200,000. Settlements from serious accidents often exceed this amount. Any amount in excess of insurance coverage remains the responsibility of the driver. To guard against serious financial strain, it’s common to add liability coverage to $500,000 and beyond.
Raising the deductible limits on collision and comprehensive coverage lowers monthly insurance premiums. By taking on more financial responsibility in the case of an accident, a driver lowers day to day costs. A driver must be ready, however, to absorb these costs if an accident occurs. Note that in some cases where a driver is not at fault, other insurance provisions or companies may cover some or all deductible amounts. Check with your agent or broker to determine what applies to your specific policy.
Discounts may offer another path to lower auto insurance prices for Brampton drivers. Most, if not all, insurers offer discounts, incentives and price breaks when a driver meets conditions. Insuring more than one car or combining home and auto insurance with one company may qualify you for discounts on those policies. Similarly, insuring more than one driver may lead to price breaks.
Other discounts can include vehicle amenities, such as using snow tires for winter driving or adding approved anti-theft devices. Usage-based insurance programs are on offer from some insurers. These track how your vehicle operates. Factors such as acceleration and braking report through a smart phone or diagnostic device. Participating insurance companies offer a discount when you sign up for the program and good driving habits potentially generate further savings.
There are many types of auto insurance discounts. Drivers over 55 and motorists who maintain claims free status for a number of years with one insurance company often qualify for a percentage off their policy. Some companies even permit carrying claims free status from another insurer as an incentive to switch.
Young drivers qualify for discounts by successfully completing driver training programs that have MTO approval. Be sure to check the MTO site for revoked schools. Certificates of completion won’t be honoured by insurance companies unless a school has MTO approval. At time of publication, two Brampton schools are listed on the list of revoked schools. Some insurance companies also offer discounts to students who maintain honours level marks in high school.
In most cases, you need to request that discounts be applied to your policy, so make it a habit to ask your broker or agent if you qualify for additional savings. Most insurance companies do not add discounts automatically.
Driving in Brampton
- Highway 410 provides the spine for high volume traffic in and out of Brampton. It runs nortwest to southeast, connecting to Highway 10 in the north and Highway 401 in the south.
- Toll highway 407ETR runs southwest to northeast across the bottom of Brampton, within its city limits.
- Highways 7 and 10 provide the main east-west and north-south non-expressway corridors in the city. Highway 7 is now designated Regional Road 107 in Brampton. It’s actually two routes in the city, both Bovaird Drive and Queen Street.
- Steeles Avenue runs north of the 407ETR and it is another non-expressway thoroughfare into Toronto.
- Much city congestion within Brampton comes from drivers trying to access the 410. Both Bovaird Drive and Queen Street face this issue.
- Brampton Transit handles local bus service, including a bus rapid transit system. Given its location in the GTA, Brampton Transit connects to TTC and GO services for commuters into Toronto.
Road Information for Brampton
- The City of Brampton maintains several web pages with information of interest to motorists. This includes road closures, general roads and traffic information, and daily updated construction projects.
- The Ministry of Transportation for Ontario hosts a traffic report for Peel Region.
- Toronto news media outlet CP24 reports traffic on the air and through its web page. Check the TRAFFIC tab for the most recent information.
- The Weather Network provides short-term forecasts for Brampton and area.
- Brampton has a provincial DriveTest centre at 59 First Gulf Boulevard, Unit 9.
- Over 30 outlets provide DriveClean emissions testing and repairs.
Driving Facts for Brampton
- Though Highway 410 first hit planning stages in the 1960s, it wasn’t completed as a controlled access freeway until 1991. A further extension brought it to its current length in 2009.
- The 410 acts as an extension of Highway 403 north of the 401. Where the three highways intersect, there is a four-level flyover interchange.
- Current plans have portions of the 410 widening to 10 lanes by 2018. This project runs from the 401 to Queen Street.
- The 407ETR is one of the first examples of uninterrupted access toll highway. There are no toll booths. Vehicles report access using a transponder when entering and exiting the highway. If a car has no transponder, then the license plate is photographed digitally. Monthly billing takes place, with invoices summarizing travel sent to the vehicle’s owner.
List of Insurance Companies and Brokers in Brampton Ontario
|Sarika Katyal||23 Hybird St, Brampton, ON L7A 0L5||416-726-8189|
|Dan Pereira||14-25 Fisherman Dr, Brampton, ON L7A 1C9||905-840-4288|
|Select Insurance Brokers Ltd||20 Regan Rd, Brampton, ON L7A 1C3||905-840-0245|
|State Farm Insurance||9-2 Fisherman Dr, Brampton, ON L7A 1B5||905-840-9199|
|Badwal Insurance||104 Dells Cres, Brampton, ON L7A 2X1||905-451-1600|
|State Farm Insurance||7-550 Queen St W, Brampton, ON L6X 3E1||905-595-2220|
|The Co-operators||203 Main St N, Brampton, ON L6X 1N2||905-866-6203|
|Insurance Consumers Of Ontario||144 Queen St W, Brampton, ON L6X 1A6||289-752-8808|
|CCV Insurance & Financial Services Inc||32 Queen St W, Brampton, ON L6X 1A1||905-459-8395|
|Harmony Insurance Brokers||57 Mill St N, Brampton, ON L6X 1S7||905-451-6200|
|Wiesner Insurance||37 George St N, Brampton, ON L6X 1R5||905-451-0794|
|BK Financial||14 George St N, Brampton, ON L6X 1R2||905-454-5097|
|Sunlife Financial||500-60 Gillingham Dr, Brampton, ON L6X 0Z9||905-654-0058|
|RBC Insurance||9495 Mississauga Rd, Brampton, ON L6X 0Z8||9058635012|
|Noble Insurance||104 Commodore Dr, Brampton, ON L6X 0T4||905-216-8768|
|Bassi Rajvir Insurance Broker||24-811 Bovaird Dr W, Brampton, ON L6X 0T9||416-524-0316|
|Financial Hut Ltd||77 Owlridge Dr, Brampton, ON L6X 0M4||416-320-4614|
|Armour Insurance Brokers Ltd||9610 McLaughlin Rd, Brampton, ON L6X 0B8||905-452-5127|
|Aviva Canada Inc||36 Vintage Gate, Brampton, ON L6X 5C4||905-450-1008|
|State Farm Insurance||4-519 Ray Lawson Blvd, Brampton, ON L6Y 4E6||905-453-3276|
|The Co-operators||7700 Hurontario St, Brampton, ON L6Y 4M3||905-450-1901|
|State Farm Insurance||519 Ray Lawson Blvd, Brampton, ON L6Y 3T8||9054579147|
|2437771 Ontario Inc||153 Queen St W, Brampton, ON L6Y 1M4||905-230-1212|
|Insurance Broker||237 Queen St W, Brampton, ON L6Y 1M6||905-454-7858|
|Peel Mutual Insurance Co||103 Queen St W, Brampton, ON L6Y 1M3||905-451-2386|
|Dale & Morrow Insurance||6 George St S, Brampton, ON L6Y 1P1||905-451-1933|
|Marcel S Ugljesic||380 Bovaird Dr E, Brampton, ON L6Z 2S8||905-840-4000|
|J Eduardo Pereira Agency Inc||1 Wexford Rd, Brampton, ON L6Z 2W1||905-840-4293|
|Surnet Insurance Group Inc.||205-230 Sandalwood Pky E, Brampton, ON L6Z 1R3||289-505-2732|
|Cecil Rqampersaud||3003-180 Sandalwood Pky E, Brampton, ON L6Z 1Y4||647-560-3341|
|State Farm Insurance||2-3088 Mayfield Rd, Brampton, ON L6Z 0E3||905-846-1444|
|All-Risks Insurance Brokers Limited||3003-180B Sandalwood Pky E, Brampton, ON L6Z 4N2||905-497-2164|
|Maingate Insurance & Financial||294 Fernforest Dr, Brampton, ON L6R 1B6||905-487-2525|
|Maxxlife Financial Inc||23 Badger Ave, Brampton, ON L6R 1Z2||905-230-6569|
|UFS Insurance||2250 Bovaird Dr E, Brampton, ON L6R 0W3||647-928-4990|
|The Co-operators||55 Mountainash Rd, Brampton, ON L6R 0K8||905-791-2667|
|Timmerman Insurance Brokers||35 Sunny Meadow Blvd, Brampton, ON L6R 0L6||905-487-1803|
|Timmerman Insurance Brokers||2280 Bovaird Dr E, Brampton, ON L6R 3J5||905-487-1802|
|My Insurance Broker Corp||33-2 Dewside Dr, Brampton, ON L6R 3Y5||437-370-1015|
|Nirmal Hansra||15020-51 Mountainash Rd, Brampton, ON L6R 2W6||905-455-5956|
|Mary Halim Insurance Service||47 Sandyshores Dr, Brampton, ON L6R 2H2||905-790-6770|
|Allstate Insurance Advisor||150 Great Lakes Dr, Brampton, ON L6R 2K7||416-616-6409|
|My Insurance Broker||2250 North Park Dr, Brampton, ON L6S 5M4||9057897239|
|Jsp Insurance & Financial||2131 Williams Pky E, Brampton, ON L6S 5Z4||905-793-3535|
|Shawn Fidler||12-456 Vodden St E, Brampton, ON L6S 5Y7||905-456-6303|
|Bob Little Insurance||1 Heathcliffe Sq Main, Brampton, ON L6S 5P9||905-793-2206|
|My Insurance Broker||60 Cottrelle Blvd, Brampton, ON L6S 0E1||905-595-1136|
|Ruban Lingam||20-470 Chrysler Dr, Brampton, ON L6S 0C1||647-928-5626|
|JS Insurance||22 Banks Dr, Brampton, ON L6P 1C7||647-930-5559|
|Sabi Gandham Cover My Future Insurance||10 Cairnburg Dr, Brampton, ON L6P 1X3||416-799-4343|
|RBC Insurance||2-8940 Highway 50, Brampton, ON L6P 3A3||905-794-7084|
|Canada Insurance Plan||51 Degrey Dr, Brampton, ON L6P 3X7||416-900-6052|
|Ved Salhotra - Independent Financial Broker||19 Gander Cres, Brampton, ON L6P 2J3||416-824-8861|
|Bardeau Insurance Brokers||8887 The Gore Rd, Brampton, ON L6P 2K9||905-794-3337|
|State Farm Insurance||106-4515 Ebenezer Rd, Brampton, ON L6P 2K7||905-913-1016|
|Harpreet Saini - Perfect Insurance||93 Bayridge Dr, Brampton, ON L6P 2N7||416-817-6500|
|Eagle Underwriting Group||201 County Court Blvd, Brampton, ON L6W 4L2||905-455-6608|
|Sun Life Financial||500-60 Gillingham Dr, Brampton, ON L6W 4P7||905-451-6031|
|Akal Insurance Brokers (Peel Inc)||7990 Kennedy S, Brampton, ON L6W 0B3||905-454-0222|
|The Plan Group||20 Lynch St, Brampton, ON L6W 2Z8||905-453-6748|
|Life Plan Assurance Inc||220 Rutherford Rd S, Brampton, ON L6W 3J6||905-463-1995|
|McClelland Insurance||350 Rutherford Rd S, Brampton, ON L6W 3M2||9054510755|
|Aaxel Financial Services Inc||202 Main St N, Brampton, ON L6V 1P1||905-487-1439|
|Wiesner Insurance||140 Main St N, Brampton, ON L6V 1N8||905-451-4205|
|Avanti Insurance Agency||338 Queen St E, Brampton, ON L6V 1C4||905-454-7200|
|Goodison Insurance and Financial Services Limited||36 Queen St E, Brampton, ON L6V 1A2||905-451-1236|
|Primerica Financial Services-Thomas Fischer||124 Charters Rd, Brampton, ON L6V 2S5||905-455-2225|
|Aaxel Insurance Brokers Ltd||202-45 Bramalea Rd, Brampton, ON L6T 2W4||905-487-1440|
|RBC Insurance||25 Peel Centre Dr, Brampton, ON L6T 3R5||905-790-2729|
|Meet All Your Insurance Needs||25 Kensington Rd, Brampton, ON L6T 3W8||416-500-9279|
|Sharma R||18 Knightsbridge Rd, Brampton, ON L6T 3X5||905-458-2448|
|Peter Poonai Insurance Broker||55 Advance Blvd, Brampton, ON L6T 4H8||905-791-9971|
|Auto And Home Insurance||5 Melanie Dr, Brampton, ON L6T 4K8||905-595-4600|
|Heart Lake Insurance Brokers Inc||201-220 Advance Blvd, Brampton, ON L6T 4J5||905-840-0064|
|Pal Investment & Financial||32-2565 Steeles Ave E, Brampton, ON L6T 4L6||416-500-1168|
|The Co-operators||155 Clark Blvd, Brampton, ON L6T 4G6||905-454-1441|
|Paul Taneja - Insurance Broker||200-270 Orenda Rd, Brampton, ON L6T 4X6||647-691-6480|
|Ambey Traders Inc||2074 Steeles Ave E, Brampton, ON L6T 4Z9||905-790-5473|
|Magnum Wealth Partners||173 Advance Blvd, Brampton, ON L6T 4Z7||905-458-7038|
|Right Advice & Investments Ltd||1625 Steeles Ave E, Brampton, ON L6T 4T7||905-783-7776|
|State Farm Insurance||2A-2005 Clark Blvd, Brampton, ON L6T 5P8||905-799-8215|
|State Farm Insurance||1-341 Parkhurst Sq, Brampton, ON L6T 5H5||905-790-8708|
|Surnet Insurance||7955 Torbram Rd, Brampton, ON L6T 5B9||905-799-3039|
|State Farm Insurance||4-8550 Torbram Rd, Brampton, ON L6T 5C8||905-791-7511|
|State Farm Insurance||204-7956 Torbram Rd, Brampton, ON L6T 5A2||905-790-2712|
|State Farm Insurance||31-71 West Dr, Brampton, ON L6T 5E2||905-450-7530|
With the unique challenges facing Brampton drivers, locating the lowest car insurance rates is a priority for many. Ratelab’s car insurance calculator is a powerful comparison shopping tool that matches insurance needs with the lowest cost providers. Start the quote process by entering your home postal code below. The process takes just a few minutes and provides you with up to 10 car insurance estimates matched to your needs.