Car insurance Mississauga, ON
Part of a series on car insurance rates in Ontario.
Fast facts about auto insurance in Mississauga
Average annual car insurance rate
Regular drivers in the city
Collisions per year (approximately)
%
Collision rate for the city
Average age
Average household income
%
Unemployment rate
Population
Understanding car insurance in Mississauga, Ontario
- Burlington
- Oakville
- Milton
- Etobicoke
- Brampton
- Downtown Toronto
That’s made the city’s expansion a little haphazard—and traffic too, by extension. Safe driving is the the number-one way to reduce your car insurance premium in city.
Some of Mississauga’s intersections are massive. That makes it especially important to keep an eye on a few elements of the road to stay safe:
- Pedestirans often need more time to cross these intersections because they’re so big.
- Many drivers make their left-hand turns as the light turns yellow.
A higher number of claims in the area also means that your rate could be high just because of what your fellow citizens do on the road. Driving a simpler, less expensive car is the next-most effective way to reduce your premium in Mississauga.
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 Mississauga
Myth: You can drive anywhere from Mississauga.
While Mississauga is ideally located for commuting purposes, the roads get very congested around rush hour which lasts from 8:00 am – 10:00 am in the morning and 4:00 pm – 6:00 pm in the evening. Driving further than one adjacent city means you’ll need to get up that much earlier.
Myth: Mississauga’s car insurance is cheaper than Toronto.
You’d think that collisions and car insurance claims would be lower in a city with as much space as Mississauga, especially compared to the more compact Toronto core. But Mississauga’s average annual car insurance rate stands at $3,474, while Toronto’s average annual rate is $2,983. Toronto’s subway reduces cars on the road every day, therefore reducing risk.
Myth: All auto insurance brokers are the same in Mississauga.
Don’t worry, we get it. But not all brokers are the same, and here’s why. Brokers find the best rates for the coverage that you want among all of the available car insurance companies they work with. Not every broker works with every single insurance company. We partner with new ones all the time, which is why it makes sense to keep getting new quotes—you never know when you’ll get your hands on a better rate.
Myth: Mississauga has no light rail transit.
While Mississauga doesn’t have a light rail transit system at present, it definitely has plans to implement one soon. Scheduled to be completed in 2024, the city’s LRT system will run along straight along Hurontario through the city centre. It will feature 19 stops across 18 kilometres of track.
Myth: Car insurance will get cheaper with the Fair Auto Insurance Plan.
We hope so, but it’s not guarnateed. One of the biggest reasons for high car insurance rates in Ontario come from insurance fraud, which costs billions every year. It’s being investigated, but that’s going to take time and ongoing maintenance. Lawyers fees and standardized care compensation should improve, even if the rates themselves could take longer to follow suit.
Car insurance in Brampton vs. Mississauga: who’s more expensive?
While both cities are on the high end of the insurance spectrum, Mississauga comes out ahead as the city with lower car insurance rates. Based on several hundred policies, Bramopton’s annual car insurance policy costs $4,072, while Mississauga’s average costs $3,474. It’s worth noting that a lot of factors can hide within those numbers, like how many car or drivers exist on a single policy.
How Mississauga rates compare to other cities in Ontario
- North York: $4,261
- Etobicoke: $4,199
- Brampton: $4,071
- Scarborough: $3,825
- East York: $3,605
- Woodbridge: $3,603
- Richmond Hill: $3,579
- Mississauga: $3,473
- Markham: $3,389
- Niagara Falls: $3,321
- Bowmanville: $3,308
- Peterborough: $3,259
- Pickering: $ 3,245
- Newmarket: $ 3,216
- Hamilton: $3,201
- Brantford: $ 3,158
- Maple: $3,150
- Whitby: $3,087
- Ajax: $3,053
- York: $2,999
- Toronto: $2,983
- Barrie: $2,924
- Thornhill: $2,871
- Waterloo: $2,867
- Caledon: $2,780
- London: $2,765
- Fort Erie: $2,720
- Oakville: $2,720
- Sault Ste Marie: $ 2,713
- Kitchener: $2,705
- Milton: $2,680
- St Catharines: $ 2,550
- Windsor: $2,536
- Woodstock: $2,513
- Innisfil: $2,505
- Burlington: $2,476
- Kingston: $ 2,360
- Cambridge: $2,297
- Oshawa: $2,295
- Guelph: $2,268
- Gloucester: $2,256
- Stoney Creek: $2,222
- Nepean: $2,196
- Ottawa: $2,195
- Sudbury: $2,005
- Kanata: $2,002
- Thunder Bay: $1,973
- Wasaga Beach: $1,958
Quick tips on driving and insurance rates in Mississauga
Avoid Mississauga’s giant intersections if possible.
Wide roads mean wide intersections, and Mississauga has both in spades. Avoid making left-hand turns or last-minute rushes through a yellow light at these intersections:
- Rathburn and Mavis
- Burnhamthorpe and Hurontario
- Burnhamthorpe and Grand Park Drive
- Lakeshore and Stavebank
- Dundas and Hurontario
Give extra space to cyclists.
Cyclists in Mississauga don’t have much in the way of dedicated lanes running north-south throughout the city. Watch out for them at Hurontario in particular, which doesn’t provide safety for them.
You won’t find dedicated trail networks, cycling highways, or overpasses for drivers with only two wheels. Driving safely among cyclists and yielding to them is an important part of driving safely in the city and keeping your car insurance rates as low as possible.
Lower your rates by living in the safest neighbourhoods.
Even car insurance rates are determined in part by where you live (it’s not just for home insurance!). That makes it important to pick a safe neighbourhood if you’re moving to Mississauga. Check out Rathwood, Churchill Meadows, Port Credit, and Lisgar if you’re in the market for a home. If that’s not an option, then
Drive older cars and drop collision coverage.
The technology and expensive electronics that go into newer cars is part of why insurance rates can get so high. Even a fender bender can cost hundreds of dolllars in replaced cameras and recalibrated sensors. Collision coverage for those new and expensive cars costs more due to those replacement costs. Cut down your rates by driving something simpler with simpler coverage.
Sources for fast facts about Mississauga:
- Statistics Canada, Mississauga 2016 Census Profile
- Ministry of Transportation, 2016 Road Safety Report
- zoocasa.com
- insauga.com
Source for average insurance rates by city:
- Survey of 2,800 auto insurance policy holders in Ontario
Google Rating: 4.8
Hot Dang! Those are some beautiful words from beautiful people.
Dan Guida
My rep Kristin was super knowledgeable, personable and responsive. She provided valuable guidance on my options that was clear and easy to understand. I feel this allowed me to make the best decision for my needs. I was not familiar with aha Insurance prior to this engagement, but I'm really happy...
Michelle
I tried online and through the phone for 4 days with two other companies to get insurance for teaching virtual fitness classes. Thoroughly frustrated I searched for high rated insurance companies and checked out aha. Their online form was easy to complete and I purchased a policy in 5 minutes! ... Highly recommend aha insurance for the customer service alone.
Alanna Carr
I just set up my home and auto insurance with Chrystal and it was the easiest process ever! She looked to find me the best deal and explained each policy in detail. I saved over $300 by using aha insurance. And you could tell Chrystal enjoys her job which makes a huge difference in customer service! I recommend aha insurance to anyone!
Boris Karelin
It was my best experience talking with an agent ever. Kristin Cooper is an incredible person, very profesional, caring and knowledgeable. I've got the best deal on my car and condo insurance. I'll recommend her to everybody who'll look for insurance.
Thank you very much.
John Vanderburgh
Super Marvy ! The Aha Thunderbirds Took Great care of me Thank-You Kirstan and the Aha
Andrew Prendergast
Worked with Kristin Cooper to secure AHA insurance coverage for our home. I was a difficult client who wanted to compare multiple companies and she stuck with me through 2 weeks of back and forth to land the business. Thank you Kristin ... Aha is lucky to have you as their agent.
Aisha U
My mom has been with this company for a year now and she is so happy with their service. I got added on now and I am really happy with them as well. They offer amazing prices and the most helpful customer service. I have been in touch with Rachel Beletic, who is so amazingly sweet and has outstanding customer service. I highly, highly recommend this company!!
Stephanie Cook
Wow!!! What a great company. I called in yesterday on a Thursday at 3-3:30pm to get a fast insurance plan/ quote, and just like magic Rachel was able and willing to help ASAP! She was very Friendly and got me a great deal. Boom just like that, everything is up and running for my pick up today with my new car.
Christine MacDougall
RACHEL ROCKS! She helped me and my daughter with our claim.
In a friendly and efficient manner. Her customer service skills are impeccable. I wish we could be friends in real life. Thanks Rachel.
Bo Li
Amazing service. So patient and good at explaining everything. I was super confused about the different aspects of the insurance, and after going through with all the conditions with them through the call I understood what had to be done.
Really amazing kindness and service on top of all of that.
Teri Lynn Lorentson
I filled out an online form just to check to see if there was a better price available and receive a call right away. I have never had more caring or professional customer service anywhere. The representative that I get to work with was knowledgeable, concise and caring.
Teri Draga
I have to say, I just had the most amazing experience from aha. I spoke with a lovely lady names Crystal. She was not only professional but had a good sense of humor as well. Would fully recommend this company!! Great rates!
Mathew
Simple easy and great vibe over the phone. My agent Rachel B. Was amazing and super helpful. Originally I declined to get insurance but then thought about it and was glad to deal with her. She was awesome..... We have the same bank as well and was able to help me find my billing Information easily. Thanks Rachel 🙂
Bee Raskob
After dealing with over 13 insurance companies over an entire week, I received a call from Kristin who made the process so easy, so comforting and so streamlined! Not even a paper needed to be printed off and signed. Everything was set up on the spot- which is SO rare for Ontario Insurance companies.
Melanie Blacker
Chrystal was awesome!. She helped me get insurance for my new vehicle quickly and easily. I would highly recommend aha to anyone. Thanks again Chrystal...you're the best!
Aya Qutub
Kristin Cooper with Aha Insurance was remarkable. She was extremely professional, answered my thorough questions with transparency and patience. She gave me 3 options for different quotes that matches my preferences, and was very clear interns of the differences. I highly recommend them!
Maharasa Murugesu
Kristen was amazing, she answered all our question and got us the best quote. we are very happy that we got hold of Kristine to get our quote. i'm a happy customer
Mike Shin
Called aha Insurance after being made aware of them through work. Set up a new policy within 10 minutes! Kristin was responsive, professional and made sure I was clear on all topics. Would recommend to anyone to check them out.
Stacy Barr
I loved the aha experience. Starting with an online quote I could do on my own time (that was very, very easy and essentially filled in everything I needed) and then human interaction that gave me the customer service and expertise I wanted. This was a fantastic experience!
Leslie Anna Rose Obsioma
Ryan from aha insurance is very professional and cares about the well being of his clients. 1st time with aha and he gave me a reasonable insurance rates, far lesser than the previous one i have. He gave me so much tips and it is a great help for me and my friend. Will definitely recommend them to my friends. 🙂 Good job aha!
Michael Ortiz
Sales Representative (Beverley Gaeler) is very professional & indeed answers your questions politely. Very knowledgeable in terms of their insurance. Unlike other insurance brokers, definitely I will recommend this company to my friends & relatives.
Kadar Abdullahi
I dealt with representative named Beverly. She was super understanding, informative and trusty worthy, things I look for when dealing with people I have never met before.
Tina Bilodeau
Ashley was extremely helpful and a pleasure to deal with. Besides the competitive premiums and great customer service I like how aha is up to date with the times - both technically and their business processes. An easy and pleasant experience, even during these challenging times with COVID-19. Happy to be a new customer!
Christine Davey
I am so lucky to have found this fantastic company, I was nervous moving to Brampton from Etobicoke heard horror stories about the increase because of location, but to my pleasant surprise (and only with aha 😁) it went lower!!! I cannot recommend anything more highly. Thank you guys for making life a little easier, we can all use that. Keep up the great work 👍
Darren Shaw
Great experience changing to Aha Insurance. The portal is easy to use and the service from the Brokers are unmatched. Would highly recommend.
Andrea Johnston
Can't say enough about Rachel at aha insurance. She was very prompt, answered my questions thoroughly and saved me a lot of money. What's not to like. I would highly recommend Rachel and aha insurance - I am so pleased.
Marcelo Del Padre
Great customer service, attention to details, willingness to help and fulfil my needs!
John Hehn
Kristin Cooper is very sparkling and pleasant to deal with. The company is very client centric and all are staff are professional to help you out. Also when you are on hold the voice will keep you amused if you don’t mind waiting.
Katrina Barber
Super quick, convenient and the best pricing I found after shopping around for hours. Chrystal was very energetic and answered all my questions. Who knew insurance could be fun 😂
Sherry Wilson
I felt right at home as I chat with Beverly the representative at Aha insurance. Not only did she get me a wonderful coverage at a great price but she was really friendly and I must say very professional at what she do...
