Contents Show
Things to Know Before Getting Mississauga Car Insurance
Here are some things to know before getting Mississauga car insurance:
- Traffic Congestion: Mississauga is a large city with many commuters, and traffic congestion is a common issue. This can affect your insurance rates as well, as insurance companies may consider traffic congestion as a risk factor. Make sure to factor in the possibility of traffic delays and give yourself plenty of time to get to your destination.
- High Population Density: Mississauga is a densely populated city, which can lead to more accidents and higher insurance rates. Be aware of your surroundings and be extra cautious when driving in areas with a lot of pedestrians, cyclists, and other vehicles.
- Severe Weather Conditions: Mississauga experiences a range of weather conditions throughout the year, including heavy snowfall in the winter and occasional severe storms in the summer. Make sure your vehicle is equipped to handle these weather conditions and drive cautiously when the roads are slippery or visibility is reduced.
- Insurance Requirements: In Ontario, all drivers are required to carry a minimum amount of car insurance coverage, including third-party liability, accident benefits, and uninsured motorist coverage. Make sure you understand these requirements and have the necessary coverage in place before getting behind the wheel.
- Insurance Discounts: Many insurance companies offer discounts to drivers who have a good driving record, complete a defensive driving course, or have certain safety features installed in their vehicle. Ask your insurance provider about any available discounts to help reduce your insurance costs.
What is the Average Car Insurance Rate in Mississauga
According to recent reports, the average cost of car insurance in Mississauga is around $2,276 per year.
Here is a table showing the estimated average monthly car insurance costs range for different driver profiles in Mississauga, for a driver profile of age 35, married, and a clean driving record:
Please note that these are estimated costs and may vary depending on a variety of factors, including the make and model of the car, the driver’s age and driving history, and the insurance provider. The range of costs provided reflects the estimated lowest and highest costs for each car type.
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $195 – $280 | $245 – $350 | $305 – $435 |
| G2 Driver | $170 – $245 | $215 – $305 | $270 – $385 |
| Full G | $145 – $210 | $185 – $265 | $230 – $330 |
| Teenage Driver | $410 – $585 | $515 – $735 | $645 – $920 |
| Young Driver | $290 – $415 | $365 – $520 | $455 – $650 |
| High-risk Driver | $450 – $640 | $565 – $805 | $705 – $1005 |
| Occasional driver | $125 – $180 | $155 – $220 | $195 – $280 |
| Pleasure driver | $110 – $160 | $140 – $200 | $175 – $250 |
| Commuting driver | $195 – $280 | $245 – $350 | $305 – $435 |
| Good driver | $125 – $180 | $155 – $220 | $195 – $280 |
| Bad driver | $360 – $515 | $450 – $645 | $565 – $805 |
| New Driver | $340 – $485 | $425 – $605 | $530 – $755 |
| Secondary Driver | $135 – $195 | $170 – $245 | $210 – $300 |
| 17 Years Old | $385 – $550 | $485 – $695 | $605 – $865 |
| Seniors | $120 – $170 | $150 – $215 | $190 – $270 |
| Over 55 Years Old | $115 – $165 | $145 – $210 | $180 – $260 |
| Students | $180 – $260 | $225 – $320 | $280 – $400 |
| International Driver | $410 – $585 | $515 – $735 | $645 – $920 |
| Newcomers | $360 – $515 | $450 – $645 | $565 – $805 |
| Men Driver | $180 – $260 | $225 – $320 | $280 – $400 |
| Women Driver | $165 – $235 | $205 – $290 | $255 – $365 |
| Married Couples | $120 – $170 | $150 – $215 | $190 – $270 |
| Usage-Based | $120 – $170 | $150 – $215 | $190 – $270 |
| Uber/Lyft | $275 – $390 | $345 – $490 | $430 – $610 |
| Personal use | $165 – $235 | $205 – $290 | $255 – $365 |
| Business use | $305 – $435 | $385 – $550 | $480 – $685 |
Here is a table showing the estimated average monthly car insurance costs range for different types of cars in Mississauga, for a driver profile of age 35, married, and a clean driving record:
| Car Type | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $135 – $195 | $170 – $245 | $210 – $300 |
| Convertible | $200 – $285 | $250 – $355 | $315 – $450 |
| Hatchback | $130 – $185 | $160 – $230 | $200 – $285 |
| Wagon | $140 – $200 | $175 – $250 | $220 – $315 |
| Coupe | $160 – $230 | $200 – $285 | $250 – $355 |
| SUV | $175 – $250 | $220 – $315 | $275 – $395 |
| Truck | $150 – $215 | $190 – $270 | $235 – $335 |
| Minivans | $150 – $215 | $190 – $270 | $235 – $335 |
| Van | $150 – $215 | $190 – $270 | $235 – $335 |
| Electric Car | $155 – $220 | $195 – $280 | $245 – $350 |
| Hybrid Car | $145 – $205 | $180 – $255 | $225 – $320 |
| Multi Car | $110 – $160 | $140 – $200 | $175 – $250 |
| Exotic Car | $730 – $1045 | $915 – $1305 | $1145 – $1635 |
| Luxury Car | $360 – $515 | $450 – $645 | $565 – $805 |
| Classic Car | $155 – $220 | $195 – $280 | $245 – $350 |
| Vintage car | $155 – $220 | $195 – $280 | $245 – $350 |
| Sports Car | $365 – $520 | $460 – $655 | $575 – $820 |
| Leased cars | $180 – $255 | $225 – $320 | $280 – $400 |
| 2 Door | $160 – $230 | $200 – $285 | $250 – $355 |
Here is a table showing the estimated average monthly car insurance costs range in Mississauga, for a driver profile of age 35, married, based on the driving history:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| 1 one at-fault accident | $270 – $385 | $340 – $485 | $425 – $605 |
| 2 one at-fault accident | $360 – $515 | $450 – $645 | $565 – $805 |
| 1 non-fault accident | $120 – $170 | $150 – $215 | $190 – $270 |
| DUI conviction | $450 – $640 | $565 – $805 | $705 – $1005 |
| 1 Speeding Ticket | $135 – $195 | $170 – $245 | $210 – $300 |
| 2 Speeding Tickets | $195 – $280 | $245 – $350 | $305 – $435 |
How Does Mississauga’s Average Car Insurance Cost Compare to Other Cities in Ontario?
Here’s a list of some cities in Ontario and their average annual car insurance premiums, according to recent data:
- Toronto – $2,500 to $3,000
- Brampton – $2,500 to $3,000
- Mississauga – $2,100 to $2,500
- Markham – $1,800 to $2,000
- Vaughan – $1,800 to $2,000
- Richmond Hill – $1,700 to $1,900
- Hamilton – $1,500 to $1,800
- Kitchener/Waterloo – $1,400 to $1,600
- London – $1,200 to $1,400
Which Cars Have the Cheapest Car Insurance in Mississauga?
Here are a few examples of cars that may have lower insurance rates in Mississauga:
- Honda Civic – $2,132
- Toyota Corolla – $2,122
- Hyundai Elantra – $2,154
- Mazda3 – $2,121
- Kia Forte – $2,153
- Ford Escape – $2,176
- Chevrolet Equinox – $2,131
- Honda CR-V – $2,123
- Toyota RAV4 – $2,142
- Subaru Outback – $2,125
How to Get the Cheapest Car Insurance in Mississauga?
To get the cheapest car insurance in Mississauga, there are a few things you can do:
- Shop around: It’s important to compare rates from multiple insurance providers to find the best deal. Consider working with an independent insurance broker who can provide you with quotes from several different insurance companies.
- Bundle your policies: Many insurance providers offer discounts if you bundle your car insurance with other types of insurance, such as home or life insurance. Consider bundling your policies to save money.
- Increase your deductible: Your deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can help lower your insurance premiums, but it’s important to make sure you can afford the higher deductible if you need to file a claim.
- Drive safely: Maintaining a clean driving record and avoiding accidents can help keep your insurance premiums low.
- Install safety features: Cars equipped with certain safety features, such as anti-lock brakes, airbags, and anti-theft devices, may be eligible for lower insurance rates.
- Take a defensive driving course: Completing a defensive driving course can also help you save money on your car insurance premiums.
Mississauga Car Insurance Facts
Here are some Mississauga car insurance facts:
- According to recent reports, Mississauga has some of the highest car insurance rates in Ontario, with average premiums ranging from $2,100 to $2,500 per year.
- Car insurance rates in Mississauga can vary based on several factors, such as age, driving record, type of vehicle, and location in the city.
- Residents of Mississauga are required by law to carry a minimum of $200,000 in third-party liability coverage. However, it’s recommended that drivers carry more coverage to ensure they are adequately protected in the event of an accident.
- Some factors that can impact car insurance rates in Mississauga include the number of accidents and claims in the area, the frequency of car thefts, and the number of drivers on the road.
- In addition to basic liability coverage, there are several other types of car insurance coverage available in Mississauga, such as collision coverage, comprehensive coverage, and uninsured motorist coverage.
- To find the best car insurance coverage for their needs, Mississauga drivers should compare quotes from several different insurance providers and work with a reputable insurance broker or agent.
List of Best Car Insurance Companies in Mississauga
Here are some of the best car insurance companies in Mississauga, along with their company descriptions and reviews from across the internet:
- Allstate Insurance: Allstate Insurance has been providing insurance to Canadians for over 65 years. They offer a range of insurance products, including car insurance, and have received positive reviews for their customer service.
- Belairdirect: Belairdirect is a Canadian insurance provider that offers car insurance, home insurance, and other insurance products. They are known for their customizable policies and have received positive reviews for their fast claims processing.
- Intact Insurance: Intact Insurance is one of Canada’s largest insurance providers, offering a wide range of insurance products, including car insurance. They have received positive reviews for their customer service and claims processing.
- Aviva Canada: Aviva Canada is a leading insurance provider in Canada, offering car insurance, home insurance, and other insurance products. They are known for their affordable rates and have received positive reviews for their claims processing.
- State Farm Insurance: State Farm is a well-known insurance provider in Canada, offering a range of insurance products, including car insurance. They have received positive reviews for their competitive rates and excellent customer service.
- RSA Insurance: RSA Insurance is a Canadian insurance provider that offers car insurance, home insurance, and other insurance products. They are known for their affordable rates and have received positive reviews for their claims processing.
List of Best Car Insurance Brokers in Mississauga
Here are some of the best independent car insurance brokers in Mississauga, along with their company descriptions and reviews from across the internet:
- Dalton Timmis Insurance Group: Dalton Timmis Insurance Group is an independent insurance broker that specializes in a range of insurance products, including car insurance. They have received positive reviews for their excellent customer service and ability to find affordable coverage for their clients.
- Guthrie Insurance Brokers Ltd.: Guthrie Insurance Brokers Ltd. is an independent insurance broker that offers car insurance, home insurance, and other insurance products. They are known for their personalized service and have received positive reviews for their quick response times and knowledgeable staff.
- Insurance Hero: Insurance Hero is an independent insurance broker that provides car insurance, home insurance, and other insurance products. They are known for their competitive rates and have received positive reviews for their excellent customer service.
- McDougall Insurance and Financial: McDougall Insurance and Financial is an independent insurance broker that offers a range of insurance products, including car insurance. They have received positive reviews for their personalized service and expertise in the industry.
- Duliban Insurance Brokers Ltd.: Duliban Insurance Brokers Ltd. is an independent insurance broker that provides car insurance, home insurance, and other insurance products. They are known for their friendly and knowledgeable staff and have received positive reviews for their customer service.
Tips for Drivers in Mississauga
Here are some tips for drivers in Mississauga that are specific to the city:
- Avoid driving during rush hour: Mississauga is a busy city, and traffic can be heavy during rush hour, which typically occurs between 7-9 a.m. and 4-6 p.m. If possible, try to avoid driving during these times to avoid traffic congestion and reduce your risk of getting into an accident.
- Use public transportation: Mississauga has a good public transportation system, including buses and trains. Consider using public transportation if possible, as it can help you avoid traffic and reduce your risk of getting into an accident.
- Be aware of construction zones: Like many cities, Mississauga has ongoing construction projects throughout the city. Be sure to pay attention to signs indicating construction zones, reduce your speed when driving through these areas, and be aware of any workers on the road.
- Be cautious in residential areas: Mississauga has many residential areas with lots of pedestrians and children playing. Be sure to reduce your speed when driving through residential areas, be aware of your surroundings, and watch out for pedestrians and children.
- Keep your car well-maintained: Keeping your car well-maintained can help reduce your risk of getting into an accident. Make sure your brakes, tires, and other essential components are in good working order, and keep your windshield and mirrors clean for better visibility.
- Follow the speed limit: Be sure to obey the posted speed limit, as speeding is a common cause of accidents. In addition, be aware of school zones and reduced speed limits in construction zones.
- Avoid distracted driving: Distracted driving is a leading cause of accidents. Be sure to avoid using your phone or engaging in other distracting activities while driving, and always keep your attention focused on the road.
What are the Most Dangerous Intersections in Mississauga?
According to data from the Peel Regional Police, here are some of the most dangerous intersections in Mississauga based on the number of collisions that occurred between 2013 and 2018:
- Hurontario Street and Dundas Street East
- Hurontario Street and Matheson Boulevard East
- Hurontario Street and Eglinton Avenue West
- Hurontario Street and Bristol Road West
- Derry Road and Mavis Road
- Dixie Road and Dundas Street East
- Mavis Road and Britannia Road West
- Mavis Road and Eglinton Avenue West
- Dixie Road and Aimco Boulevard
- Dixie Road and Britannia Road East
Total Reportable Collisions in Mississauga
The most recent data available on total reportable collisions in Mississauga is for the year 2019, as reported by the Peel Regional Police. In 2019, there were a total of 9,946 reportable collisions in Mississauga. This includes collisions involving property damage, injuries, and fatalities.
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.
