See car insurance rates in Brampton, Ontario.

See car insurance rates in Brampton, Ontario.

Fast facts about auto insurance in Brampton

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)

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Collision rate for the city

Average age

Average household income

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Unemployment rate

Population

Understanding car insurance in Brampton, Ontario

Brampton’s 600,000 residents make up one of the largest cities within the Greater Toronto Area as well as Ontario, set to hit a population of 1,000,000 by 2020. The constant expansion means that you’ll see a lot of road construction connecting new areas to the 407 toll highway, the 410 highway, and major intersections like Bramalea and Steeles. You can seethe planned expansion through the 10-Year Roads Capital Program.

Getting cheap car insurance in Brampton starts with the location of your home within the city. Mount Pleasant, the downtown core, Gore Meadows, and Heart Lake tend to be considered among the safest neighbourhoods, which can improve rates for both home and car insurance. Residents also consider neighbourhoods north of Queen Street to be reasonably safe in general, which is good for both home and auto insurance rates in the city.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Brampton

Myth: Driving in Brampton is awful.

Brampton is actually ranked #6 among the best cities to drive in Ontario. Driving records show Brampton has many good drivers on the road. The city’s planned expansion and construction can make it feel congested, though.

Myth: Street parking is difficult.

This one isn’t true either. In fact, Brampton lets you park on the road for 3 hours instead of just 2, which is better than in most cities. You just can’t park with a trailer attachment, block snow plows, or park on the road between 2:00 am and 6:00 am.

Myth: Brampton is just a commuter hub.

False. Although a transit system was proposed to run between Brampton and Mississauga’s GO station, it was rejected in favour of preserving the city’s downtown core. Public transit is designed for the city itself, not just commuting to other cities.

Myth: Public transportation is weak.

Wrong again! Brampton is investing in a light-rail transit system that will have dedicated lanes and could reach up to 80 kilometers per hour. This LRT network is scheduled to begin servicing the public in 2022.

How Brampton’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Hamilton: $3,201
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Burlington: $2,476
  • Gloucester: $2,256
  • Ottawa: $2,195

Quick tips on driving in Brampton

Avoid the busiest intersections during construction.

Construction is frequent in Brampton, so it makes sense to avoid where traffic can back up. Steeles Avenue is Brampton’s biggest road and is part of the three busiest intersections:

  • Bramalea Road and Steeles Avenue
  • Airport Road and Steeles Avenue
  • Goreway Drive and Steeles Avenue

Watch out for the 407 toll highway.

The 407 costs money to use, although it’s not within everybody’s budget to use for commuting to work. If you do opt in to it, make sure you procure a transponder. Locals say that it’s useful if you drive on the 407 more than 6 times per year.

Without a transponder the camera sensors could charge you via your license plate number. A transponder can be leased for $3.95 per month or $24.50 per year in addition to the per-use cost of using the 407.

Prepare for safe winter driving!

Construction is frequent in Brampton, so it makes sense to avoid where traffic can back up. Steeles Avenue is Brampton’s biggest road and is part of the three busiest intersections:

  • Make sure your windshield wipers aren’t streaking. A lot of dirt, oil, and grime gets kicked up in winter!
  • Top up your wiper fluid regularly. We can all go through a lot of it per month, especially while commuting.
  • Install winter tires! Not only are they safer, as Constable Watson points out, but this will earn you a car insurance discount while driving in Brampton as well.

Just 3 measly minutes to your marvelous rate.

Racking up the likes, baby!

Best insurance by far.


Christina L.

I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!


Kathleen G.

I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!


Petra B.

Excellent service and cheapest price I have ever got.


Ratheesh T.

Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!


Van J.

Great service, patient and informative representatives, full marks.


Viraj M.

Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance.


Mark R.

I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really.


Gavin M.

Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends.


Alexander A.

I 100% recommend aha. Hands down one of the best companies i've trusted.


Aditya P.

Great deal, cheapest insurance i got. Highly recommend. Thank you.


Christine L.

Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!


Alaina H.

Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes.


Nicole M.

Affordable and easy car insurance with great customer service. Would recommend to anyone.


Tausif F.

Sources for fast facts about Brampton:

  • Survey of 400+ Brampton auto insurance policy holders
  • bramptonfocus.ca
  • brampton.ca

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Just 3 measly minutes to your marvelous rate.

Racking up the likes, baby!

Best insurance by far.


Christina L.

I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!


Kathleen G.

I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!


Petra B.

Excellent service and cheapest price I have ever got.


Ratheesh T.

Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!


Van J.

Great service, patient and informative representatives, full marks.


Viraj M.

Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance.


Mark R.

I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really.


Gavin M.

Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends.


Alexander A.

I 100% recommend aha. Hands down one of the best companies i've trusted.


Aditya P.

Great deal, cheapest insurance i got. Highly recommend. Thank you.


Christine L.

Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!


Alaina H.

Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes.


Nicole M.

Affordable and easy car insurance with great customer service. Would recommend to anyone.


Tausif F.

Sources for fast facts about Brampton:

  • Survey of 400+ Brampton auto insurance policy holders
  • bramptonfocus.ca
  • brampton.ca

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

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