Brampton Ranked Ontario’s Most Expensive City for Car Insurance Again

Published October 11, 2017 at 1:07 am

Brampton has done it again.

Brampton has done it again.

We’ve once again topped the list for having the highest car insurance premiums in all of Ontario, according to the popular online car insurance marketplace’s InsuraMap.

If you live in Brampton, you know that everyone and their uncle complains about driving in Brampton, and the fact that Brampton has topped this list for some time now comes as no surprise to you. Whether or not driving in Brampton is really that bad is up for debate, but one thing is for sure – Brampton drivers are paying an estimated premium of $2,268 on car insurance.

Yes, it’s expensive to own a car here.

Second on the list of the most expensive cities to insure your car in Ontario is Vaughan at an estimated $1,825, followed by nearby Mississauga at $1,788, and Markham at $1,785. We even have a more expensive premium than Toronto, where the estimated premium is $1,743 according to (laughable, right?). 

Also in’s top ten most expensive cities to insure your car in Ontario as of October 2017 are Richmond Hill ($1,709), Ajax ($1,519), Hamilton ($1,497), Pickering ($1,450), and Whitby ($1,399). 

Several factors go into determining car insurance premiums, like “your driving record, insurance history, the make and model of your vehicle, and how likely it is to get stolen,” says

The estimates are based on a 35-year-old driver of a 2014 Honda Civic, which is Canada’s best-selling car if you didn’t know that fun fact, with a clean driving record. So, your insurance rates could be higher or lower depending on your  situation.

Most cities in the GTA actually exceed the provincial average of insurance premiums, which is about $1,316.

If Brampton boasts the most expensive car insurance, where can you find the lowest premiums in Ontario, you ask? 

According to, some of the lowest premiums in Ontario are found in Kingston, Cornwall, Brockville, Trenton, Port Hope, Picton, Napanee, Cobourg, Belleville, Parry Sound, Huntsville, Gravenhurst, and Bracebridge. The estimated premiums for these places ranges from about a mere $850 to $900 a year according to InsuraMap information.

Here are’s tips on lowering your car insurance rates in Brampton and beyond:

  • Maintain a clean driving record.
  • Bundle your auto insurance and home insurance policies to see savings of five to 15 per cent.
  • Install winter tires and save up to five per cent.
  • Increase your deductibles and save up to 10 per cent; just make sure you can cover the amount in the event of a claim.
  • Pay your premiums annually, in one lump sum, instead of monthly to avoid the extra fee that many companies charge to administer payments each month.

Hopefully, you’ll find a way to have lower car insurance rates than the rest of Brampton with those nifty tips!

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