Brampton Car Insurance Quotes, Companies & Brokers

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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.

How Much is Car Insurance in Brampton

The table below shows Brampton car insurance estimates for a sample driver.

Quote DateAverage Auto Insurance Cost in Brampton*
1-Jan-16$1,831
1-Jul-16$1,884
19-Mar-17$2,014
01-Aug-17$1,990

*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

discount

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

NameAddressPhone
Sarika Katyal23 Hybird St, Brampton, ON L7A 0L5416-726-8189
Dan Pereira14-25 Fisherman Dr, Brampton, ON L7A 1C9905-840-4288
Select Insurance Brokers Ltd20 Regan Rd, Brampton, ON L7A 1C3905-840-0245
State Farm Insurance9-2 Fisherman Dr, Brampton, ON L7A 1B5905-840-9199
Badwal Insurance104 Dells Cres, Brampton, ON L7A 2X1905-451-1600
State Farm Insurance7-550 Queen St W, Brampton, ON L6X 3E1905-595-2220
The Co-operators203 Main St N, Brampton, ON L6X 1N2905-866-6203
Insurance Consumers Of Ontario144 Queen St W, Brampton, ON L6X 1A6289-752-8808
CCV Insurance & Financial Services Inc32 Queen St W, Brampton, ON L6X 1A1905-459-8395
Harmony Insurance Brokers57 Mill St N, Brampton, ON L6X 1S7905-451-6200
Wiesner Insurance37 George St N, Brampton, ON L6X 1R5905-451-0794
BK Financial14 George St N, Brampton, ON L6X 1R2905-454-5097
Sunlife Financial500-60 Gillingham Dr, Brampton, ON L6X 0Z9905-654-0058
RBC Insurance9495 Mississauga Rd, Brampton, ON L6X 0Z89058635012
Noble Insurance104 Commodore Dr, Brampton, ON L6X 0T4905-216-8768
Bassi Rajvir Insurance Broker24-811 Bovaird Dr W, Brampton, ON L6X 0T9416-524-0316
Financial Hut Ltd77 Owlridge Dr, Brampton, ON L6X 0M4416-320-4614
Armour Insurance Brokers Ltd9610 McLaughlin Rd, Brampton, ON L6X 0B8905-452-5127
Aviva Canada Inc36 Vintage Gate, Brampton, ON L6X 5C4905-450-1008
State Farm Insurance4-519 Ray Lawson Blvd, Brampton, ON L6Y 4E6905-453-3276
The Co-operators7700 Hurontario St, Brampton, ON L6Y 4M3905-450-1901
State Farm Insurance519 Ray Lawson Blvd, Brampton, ON L6Y 3T89054579147
2437771 Ontario Inc153 Queen St W, Brampton, ON L6Y 1M4905-230-1212
Insurance Broker237 Queen St W, Brampton, ON L6Y 1M6905-454-7858
Peel Mutual Insurance Co103 Queen St W, Brampton, ON L6Y 1M3905-451-2386
Dale & Morrow Insurance6 George St S, Brampton, ON L6Y 1P1905-451-1933
Marcel S Ugljesic380 Bovaird Dr E, Brampton, ON L6Z 2S8905-840-4000
J Eduardo Pereira Agency Inc1 Wexford Rd, Brampton, ON L6Z 2W1905-840-4293
Surnet Insurance Group Inc.205-230 Sandalwood Pky E, Brampton, ON L6Z 1R3289-505-2732
Cecil Rqampersaud3003-180 Sandalwood Pky E, Brampton, ON L6Z 1Y4647-560-3341
State Farm Insurance2-3088 Mayfield Rd, Brampton, ON L6Z 0E3905-846-1444
All-Risks Insurance Brokers Limited3003-180B Sandalwood Pky E, Brampton, ON L6Z 4N2905-497-2164
Maingate Insurance & Financial294 Fernforest Dr, Brampton, ON L6R 1B6905-487-2525
Maxxlife Financial Inc23 Badger Ave, Brampton, ON L6R 1Z2905-230-6569
UFS Insurance2250 Bovaird Dr E, Brampton, ON L6R 0W3647-928-4990
The Co-operators55 Mountainash Rd, Brampton, ON L6R 0K8905-791-2667
Timmerman Insurance Brokers35 Sunny Meadow Blvd, Brampton, ON L6R 0L6905-487-1803
Timmerman Insurance Brokers2280 Bovaird Dr E, Brampton, ON L6R 3J5905-487-1802
My Insurance Broker Corp33-2 Dewside Dr, Brampton, ON L6R 3Y5437-370-1015
Nirmal Hansra15020-51 Mountainash Rd, Brampton, ON L6R 2W6905-455-5956
Mary Halim Insurance Service47 Sandyshores Dr, Brampton, ON L6R 2H2905-790-6770
Allstate Insurance Advisor150 Great Lakes Dr, Brampton, ON L6R 2K7416-616-6409
My Insurance Broker2250 North Park Dr, Brampton, ON L6S 5M49057897239
Jsp Insurance & Financial2131 Williams Pky E, Brampton, ON L6S 5Z4905-793-3535
Shawn Fidler12-456 Vodden St E, Brampton, ON L6S 5Y7905-456-6303
Bob Little Insurance1 Heathcliffe Sq Main, Brampton, ON L6S 5P9905-793-2206
My Insurance Broker60 Cottrelle Blvd, Brampton, ON L6S 0E1905-595-1136
Ruban Lingam20-470 Chrysler Dr, Brampton, ON L6S 0C1647-928-5626
JS Insurance22 Banks Dr, Brampton, ON L6P 1C7647-930-5559
Sabi Gandham Cover My Future Insurance10 Cairnburg Dr, Brampton, ON L6P 1X3416-799-4343
RBC Insurance2-8940 Highway 50, Brampton, ON L6P 3A3905-794-7084
Canada Insurance Plan51 Degrey Dr, Brampton, ON L6P 3X7416-900-6052
Ved Salhotra - Independent Financial Broker19 Gander Cres, Brampton, ON L6P 2J3416-824-8861
Bardeau Insurance Brokers8887 The Gore Rd, Brampton, ON L6P 2K9905-794-3337
State Farm Insurance106-4515 Ebenezer Rd, Brampton, ON L6P 2K7905-913-1016
Harpreet Saini - Perfect Insurance93 Bayridge Dr, Brampton, ON L6P 2N7416-817-6500
Eagle Underwriting Group201 County Court Blvd, Brampton, ON L6W 4L2905-455-6608
Sun Life Financial500-60 Gillingham Dr, Brampton, ON L6W 4P7905-451-6031
Akal Insurance Brokers (Peel Inc)7990 Kennedy S, Brampton, ON L6W 0B3905-454-0222
The Plan Group20 Lynch St, Brampton, ON L6W 2Z8905-453-6748
Life Plan Assurance Inc220 Rutherford Rd S, Brampton, ON L6W 3J6905-463-1995
McClelland Insurance350 Rutherford Rd S, Brampton, ON L6W 3M29054510755
Aaxel Financial Services Inc202 Main St N, Brampton, ON L6V 1P1905-487-1439
Wiesner Insurance140 Main St N, Brampton, ON L6V 1N8905-451-4205
Avanti Insurance Agency338 Queen St E, Brampton, ON L6V 1C4905-454-7200
Goodison Insurance and Financial Services Limited36 Queen St E, Brampton, ON L6V 1A2905-451-1236
Primerica Financial Services-Thomas Fischer124 Charters Rd, Brampton, ON L6V 2S5905-455-2225
Aaxel Insurance Brokers Ltd202-45 Bramalea Rd, Brampton, ON L6T 2W4905-487-1440
RBC Insurance25 Peel Centre Dr, Brampton, ON L6T 3R5905-790-2729
Meet All Your Insurance Needs25 Kensington Rd, Brampton, ON L6T 3W8416-500-9279
Sharma R18 Knightsbridge Rd, Brampton, ON L6T 3X5905-458-2448
Peter Poonai Insurance Broker55 Advance Blvd, Brampton, ON L6T 4H8905-791-9971
Auto And Home Insurance5 Melanie Dr, Brampton, ON L6T 4K8905-595-4600
Heart Lake Insurance Brokers Inc201-220 Advance Blvd, Brampton, ON L6T 4J5905-840-0064
Pal Investment & Financial32-2565 Steeles Ave E, Brampton, ON L6T 4L6416-500-1168
The Co-operators155 Clark Blvd, Brampton, ON L6T 4G6905-454-1441
Paul Taneja - Insurance Broker200-270 Orenda Rd, Brampton, ON L6T 4X6647-691-6480
Ambey Traders Inc2074 Steeles Ave E, Brampton, ON L6T 4Z9905-790-5473
Magnum Wealth Partners173 Advance Blvd, Brampton, ON L6T 4Z7905-458-7038
Right Advice & Investments Ltd1625 Steeles Ave E, Brampton, ON L6T 4T7905-783-7776
State Farm Insurance2A-2005 Clark Blvd, Brampton, ON L6T 5P8905-799-8215
State Farm Insurance1-341 Parkhurst Sq, Brampton, ON L6T 5H5905-790-8708
Surnet Insurance7955 Torbram Rd, Brampton, ON L6T 5B9905-799-3039
State Farm Insurance4-8550 Torbram Rd, Brampton, ON L6T 5C8905-791-7511
State Farm Insurance204-7956 Torbram Rd, Brampton, ON L6T 5A2905-790-2712
State Farm Insurance31-71 West Dr, Brampton, ON L6T 5E2905-450-7530

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.

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