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Compare and purchase the best car insurance rates in Brampton.

Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.

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New Ontario auto insurance changes take effect July 1, 2026

Ontario's auto insurance reform will make a number of Accident Benefits optional, giving drivers more flexibility and choice in their coverage. Learn what's changing, what it means for your policy, and what to consider before making coverage decisions.

Types of coverage we provide

Collision Coverage
Collision Coverage

Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run, or with an uninsured driver.

Comprehensive Coverage
Comprehensive Coverage

Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects, among others. (subject to a deductible).

Family Protection
Family Protection

Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.

Accident Forgiveness
Accident Forgiveness

Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.

Windshield Coverage
Windshield Coverage

Windows are included in comprehensive*, however, you have the option to remove this coverage to lower your premium. (*Not included in Alberta.)

Car Rental Coverage
Car Rental Coverage

You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.

Depreciation Coverage
Depreciation Coverage

In the event of a "total loss", this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.

Claims Forgiveness
Claims Forgiveness

This allows for the protection of your “claims-free discount” in the event of your first claim.

Recent auto insurance quotes in Brampton

Recent Quotes Image
Female, 62 from Brampton, ON
2023 KIA SPORTAGE EX 4DR AWD
Quote Date: Oct 21, 2026
$162 / month
$1,944 / year
Female, 30 from Brampton, ON
2024 TOYOTA 4RUNNER V6 4DR 4WD
Quote Date: Jul 31, 2026
$225 / month
$2,700 / year
Male, 64 from Brampton, ON
2012 TOYOTA TACOMA V6 DOUBLE CAB 4WD
Quote Date: Jul 24, 2026
$161 / month
$1,932 / year
Male, 33 from Brampton, ON
2008 HONDA ODYSSEY EX-L
Quote Date: Jun 03, 2026
$225 / month
$2,700 / year
Male, 30 from Brampton, ON
2013 HONDA RIDGELINE SPORT 4WD
Quote Date: Jun 02, 2026
$196 / month
$2,352 / year

Save up to 20% by bundling your home and auto insurance

Select between home and auto, condo/strata and auto, or tenant/renter and auto to start saving today.

Our Reviews

Susan Korpela
5
Complete satisfaction

Right from the start I have had a very pleasant experience with Surex. In particular dealing with Miguel Pavon, who went the extra mile to ensure I was well taken care of and all my concerns were resolved. Miguel is efficient and kind. He was timely in the process of securing both my home and auto insurance. I highly recommend him snd hope he is appreciated as one of your team members.
Thanks
Susan Korpela

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Abuzar M
5
Highly recommend Devlin Bempong at…
Highly recommend Devlin Bempong at Surex! I had an excellent experience working with him to arrange auto insurance for both of my vehicles. He helped me secure a competitive rate with CAA that was lower than my existing renewal quote, and made the application process straightforward. I appreciated his help getting everything arranged and am very happy with the service and outcome. If you’re shopping around for auto insurance, Devlin is definitely worth contacting. Thank you, Devlin, for making the process easy!
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Starleigh Taylor
5
You're new Insurance Advisor!!
I can’t say enough good things about my experience working with Ben Beazer. He is incredibly professional, knowledgeable, efficient, and genuinely puts his clients first. I needed insurance for a new vehicle on a tight timeline, and Ben worked incredibly quickly to get everything taken care of. He searched for the best rates and coverage options, explained everything clearly, and was completely transparent throughout the entire process. I never felt pressured or rushed into a decision, just well informed and taken care of. Since moving to Alberta from BC several years ago, navigating private insurance has definitely been an adjustment. I’m also an AMA member, but with the recent changes to their appointment system, I couldn’t get an appointment for nearly a week, which simply didn’t work when I needed my vehicle insured right away. I’m so glad that situation led me to Ben. I have honestly never dealt with an insurance advisor who works as quickly and efficiently as he does while still providing such excellent, personalized service. I would highly recommend Ben for any of your insurance needs, auto, home, recreational vehicles, and more. By far one of the best insurance professionals I’ve dealt with in Alberta. I’ll absolutely be using him again!
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Emma
5
Amazing and speedy responses
Amazing and speedy responses, from me checking a new vehicle out or going through a problem with my own. Veronique has been the best adviser I’ve ever had and never felt abandoned or without help at all !!
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Debbi
5
Erich Rother
I worked with Erich Rother for my daughter's insurance needs recently, and I have also worked with Erich in the past. He is very communicative and very prompt in his responses. He is very knowledgeable about his products and I certainly would recommend Erich to anyone with car/home insurance needs.
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Get the best rates from Canada’s top insurance providers

Average car insurance prices in Canadian cities 2026

We reviewed thousands of car insurance quotes and found out how much drivers in Brampton pay on average for their premium. See how your city compares.

City

Annual Premium

Monthly Premium

Brampton

$3,300

$275

Barrie

$2212

$184.33

Brantford

$2109

$175.75

Burlington

$2082

$173.50

Calgary

$2007.00

$167.25

Edmonton

$2099.00

$174.92

Guelph

$1539.00

$128.25

Halifax

$1267.00

$105.58

Hamilton

$2047.00

$170.58

Kingston

$1928.00

$160.67

Kitchener

$1851.00

$154.25

Lethbridge

$1596.00

$133.00

London

$2317.00

$193.08

Markham

$2398.00

$199.83

Mississauga

$2837.00

$236.42

Moncton

$1596.00

$133.00

Oakville

$2540.00

$211.67

Orillia

$1680.00

$140.00

Oshawa

$2250.00

$187.50

Ottawa

$2115.00

$176.25

Peterborough

$1739.00

$144.92

Red Deer

$1825.00

$152.08

Sault Ste. Marie

$1964.00

$163.67

Scarborough

$2721.00

$226.75

Thunder Bay

$1850.00

$154.17

Toronto

$2537.00

$211.42

Windsor

$1759.00

$146.58

Yellowknife

$1722.00

$143.50

Average prices are based on Surex quotes in the past 12 months for drivers with one vehicle and no claims. Updated April 2026. 

Save up to 25% on the best car insurance in Brampton by teaming up with Surex

Known for its rich history and diverse population, Brampton is a fantastic place to live and raise a family. Brampton features many of the amenities found in other cities, but is also home to over 4,000 acres of parkland to explore, which is rare for a city in the GTA. Even though Brampton is one of the smaller cities in Ontario, you'll need a vehicle if you want to experience everything that it has to offer; this means that you'll need a car, and, of course, car insurance.

Finding affordable auto insurance can be a difficult task, especially if it's your first comparing quotes. Thankfully, you don't have to find and compare auto insurance quotes by yourself. If you're looking for cheap auto insurance in Brampton, you should consider teaming up with a Surex insurance advisor. Our advisors can help you find and compare auto insurance quotes in Brampton in ten minutes or less. Contact us today to get insurance online and learn how our advisors can help you save up to 25% when you bundle multiple policies with one of our providers.

Car Insurance in Brampton - What You Need to Know

The average cost of car insurance in Brampton is approximately $2,494 a year. Drivers should shop around online to get the best car insurance rate possible in Brampton. There are multiple factors that affect a car insurance rating. Car insurance companies take these different variables into account, so the cost of car insurance in Brampton will vary for everyone! To get the best possible insurance rates, we recommend contacting a licensed insurance advisor to shop the market for you to get the best deals on car insurance!

Yes, all Ontario drivers including drivers in Brampton are required by the Financial Services Commission of Ontario (FSCO) to have a minimum of $200,000 worth of third-party liability coverage, statutory accident benefits coverage, uninsured automobile coverage, and direct compensation & property damage coverage (DCPD).

Auto insurance in Ontario is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO).

Compare 10+ quotes and

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Samantha Schmidt

Underwriting Specialist

Samantha Schmidt

The best road-trip destinations in Brampton

Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Brampton to explore on your next road trip.

Top Things to do In Brampton

  1. Gage Park
  2. Chinguacousy Park
  3. Claireville Conservation Area

Best Landmarks in Brampton

  1. Humber River
  2. Gage Park
  3. Chinguacousy Park

Best Shopping Sites in Brampton

  1. Bramalea City Centre
  2. Dixie Outlet Mall
  3. Shoppers World Brampton
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