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Best and Lowest Auto Insurance rates in Mississauga

Out of all provinces in Canada, Ontario auto insurance rates have ranked amongst the highest. As Mississauga is the second most populated city within the GTA, there are many people driving in and out of the city every day for work or leisure.

If you live and drive in Mississauga, It’s the law to have car insurance. When you purchase auto insurance, the policy must include uninsured car coverage, third-party liability, direct compensation property damage, and statutory accident benefits. When it comes to auto insurance in Mississauga, you are in the driver’s seat with isure insurance riding along with you! Our professional insurance brokers provide the most affordable auto insurance rates you will find in Mississauga. Our promise to you is to provide knowledgeable and transparent insurance expertise every time you call us or when you get a quote online. We shop for the cheapest auto insurance rates available for you to ensure you obtain the insurance you can count on. As Ontario’s leading car insurance broker, our auto insurance rates in Mississauga can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.

What is the average car insurance premium in Mississauga?

Though this is not a one-size-fits-all rate, drivers in Mississauga can expect to pay an average of $1,900 per year for car insurance. Your car insurance rate in Mississauga will also depend on personalized factors, such as your driving record and age.

Mississauga is the fifth most expensive city in Ontario for car insurance, and traffic congestion and population density are just some of the reasons why the average cost of car insurance in Mississauga is so high.

Factors affecting your car insurance premiums in Mississauga

You can pay more or less for Toronto car insurance depending on your neighbourhood, the type of vehicle you drive, your daily commute, and your driving history. The type of coverage you have will also affect your rate because, just like all cities in Ontario, Toronto has mandatory and optional car insurance coverages. If you want coverages exceeding the minimum requirement, you must pay more for additional protection. 

We will discuss every detail with you when calculating your rate to ensure you clearly understand your policy and the amount you are being asked to pay. We pass on any savings directly to our customers and will discuss discount eligibility and bundling your insurance, which may help reduce your premium.

Our Mississauga Auto Insurance Rates

40 Y.O. Discounts Applied: Winter Tire, Multi-line, Conviction Free, CAA Membership, Multi-Vehicle

65 Y.O. Discounts Applied: Winter Tire, Multi-Line, Conviction Free, CAA Membership, Multi-Vehicle, Retiree Discount



Location (Postal Code)

40 Y.O. Couple Annual Rate*

Monthly Rate*

65 Y.O. Retired Couple Annual Rate*

Monthly Rate*


L4W 0A5
$2368/ Year
$1189 Honda
$1179 Nissan
$1587/ Year
$797 Honda
$790 Nissan
$133.97/MonthCAA Insurance


Coverages Included: $1 Million Liability, Bodily Injury, Property Damage, Direct Compensation, Standard Accident Benefits, Collision ($500 Collision), Comprehensive ($500 Collision), Uninsured Automobile, Loss of use, Liability of Unowned Vehicle, Family Protection, Coverage assumes the second vehicle insured on related policy (This applies just for the married or common-law driver(s))

*DISCLAIMER: These are estimated rates based on rates available as of May 2022. Individual rates may vary. Please speak with an isure broker to get the rate that applies to you.

Male Driving Ottawa Rates


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Our Mississauga Auto Insurance Rates

40 Y.O. Discounts Applied: Winter Tire, Multi-line, Conviction Free, CAA Membership, Multi-Vehicle

65 Y.O. Discounts Applied: Winter Tire, Multi-Line, Conviction Free, CAA Membership, Multi-Vehicle, Retiree Discount


Location (Postal Code)

40 Y.O. Couple Annual Rate*

Monthly Rate*

65 Y.O. Retired Couple Annual Rate*

Monthly Rate*


L4W 0A5
$2368/ Year
$1189 Honda
$1179 Nissan
$1587/ Year
$797 Honda
$790 Nissan
$133.97/MonthCAA Insurance


Coverages Included: $1 Million Liability, Bodily Injury, Property Damage, Direct Compensation, Standard Accident Benefits, Collision ($500 Collision), Comprehensive ($500 Collision), Uninsured Automobile, Loss of use, Liability of Unowned Vehicle, Family Protection, Coverage assumes the second vehicle insured on related policy (This applies just for the married or common-law driver(s))

*DISCLAIMER: These are estimated rates based on rates available as of May 2022. Individual rates may vary. Please speak with an isure broker to get the rate that applies to you.

Male Driving Ottawa Rates


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isure insurer Logos 3

Why Trust isure as your Mississauga Insurance Broker

If you live in Mississauga, there are a number of reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:


Our licenced insurance professionals always provide valuable information

Navigating insurance can be extremely difficult if you have little to no experience. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.


Allows you to save more money

If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our Mississauga insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the most affordable quotes for you based on the information you provide.


Quotes that are easy to follow

If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Mississauga insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!


isure hires only the best and most reputable Mississauga insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:


We are Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.


Gain Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.


Access to the Best Insurance Providers

We have access to all of the best, well-respected insurance providers in all of Canada for you!


Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Mississauga citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.


We Work, You Save

You can save hundreds of dollars on insurance when you work with our Mississauga insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.


We Have Coverage For All Your Insurance Needs

Our insurance brokers get Mississauga residents quotes for home, commercial, auto, life, travel, and more.

Why Choose isure As Your Mississauga Auto Insurance Broker?

We understand that there are a lot of options when it comes to auto insurance in Mississauga. Sometimes getting a quote from a company can feel like an obligation, rather than what it’s supposed to be: information to help you make an informed decision. This is one of the greatest reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Their advice is independent of the companies they represent, and are professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).

When selecting your broker, isure stands out for a reason. Have a look at the chart below to see what makes isure a broker of choice. We stand by our isure pledge to ensure you receive the care you deserve, because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.


What are the factors that affect auto insurance in Mississauga?

Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium. 

How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.

Your Postal Code: The more populated, urban areas in Mississauga often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

Your Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.

Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.

Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.

Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record. Check out this blog we posted regarding speeding tickets and their effect on auto insurance in Ontario.

Is it possible to lower the cost of your car insurance in Mississauga?

Purchase and Install Anti-theft Devices:If you have anything that prevents theft or vandalism to your vehicle, it can lower your insurance premium.

Purchase and Use Winter Tires: The winters in Mississauga can be unbearing, especially when you need to drive to work in the snow every day! Not only is it important for your safety to have winter tires installed during the snowy months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

Which Mississauga postal code has the highest auto insurance rates?

Auto insurance in Ontario is relatively high, but how does Mississauga compare? Mississauga is Canada’s 6th most populated city and spans just shy of 300km-squared. Where you live in the city can affect the amount of money you pay for your vehicle insurance. The city consists of 20 neighbourhoods and has over 400 postal codes.  

  • Applewood  

    • Eastern most part of Mississauga 
    • Major intersections – Bloor and Tomken, Bloor and Dixie 
  • Churchill Meadows 

    • Located in west Mississauga 
    • Major intersection – Britannia Rd W and Winston Churchill Blvd 
  • Clarkson-Lorne Park 

    • Located just south of the QEW 
  • Cooksville 

    • Located in south Mississauga, just north of the QEW 
    • Major intersection – Queensway W and Hurontario St 
    • Landmarks – Trillium Hospital, Stillmeadow Park 
  • Creditview 

    • Small suburban area located at Rathburn and Mavis 
  • East Credit 

    • Located in north Mississauga 
    • Major intersection – Eglinton and Creditview 
    • Landmarks – Heartland Town Centre 
  • Erindale 

    • Located in central Mississauga 
    • Major intersection – Dundas St W and Glengarry 
    • Landmarks – University of Toronto-Mississauga campus 
  • Erin Mills 

    • One of the biggest neighbourhoods in Mississauga 
    • Located in west Mississauga 
    • Major intersections – Eglinton Ave W and Winston Churchill Blvd, Eglinton Ave W and Erin Mills Pkwy 
    • Landmarks – Erin Mills Town Centre, Credit Valley Hospital 
  • Fairview 

    • Small neighbourhood located between Cooksville and the City Centre 
    • Major intersection – Dundas and Hurontario 
  • Hurontario 

    • One of the bigger neighbourhoods in Mississauga 
    • Major intersection – Eglinton and Hurontario 
  • Lakeview 

    • A scenic neighbourhood along the lakeshore 
    • Major intersection – Lakeshore and Dixie 
  • Lisgar 

    • Located in northwest Mississauga 
    • Major intersection – Derry and Tenth Line 
    • Landmarks – Osprey Marsh, Lisgar Fields 
  • Malton 

    • Located in northeast Mississauga 
    • Major intersection – Derry and Airport Road 
    • Landmarks – Toronto Pearson International Airport 
  • Meadowvale 

    • Located in northwest Mississauga 
    • Major intersection – Derry and Mavis 
    • Landmark – Meadowvale Conservation Area 
  • Mineola 

    • Located on the south side of Mississauga on Hurontario Street 
  • Mississauga Valleys 

    • Small neighbourhood in the centre of Mississauga 
    • Major intersection – Central Pkwy and Bloor 
    • Landmarks – Close to Square One 
  • Port Credit 

    • Southern most neighbourhood in Mississauga  
    • Major intersection – Lakeshore and Hurontario 
    • Landmarks – JC Saddington Park, Port Credit Lighthouse 
  • Rathwood 

    • Located in east Mississauga 
    • Major intersection – Rathburn and Dixie 
  • Sheridan 

    • Located in southwest Mississauga 
    • Major intersection – N Sheridan Way and Erin Mills Pkwy 
  • Streetsville 

    • Located in northwest Mississauga 
    • Major intersection – Queen Street South and Britannia 

Out of the 400 postal codes, the most expensive car insurance can be found near Square One, with the three most expensive postal codes being: 

  • L5B 2G6 
  • L5B 3C1 
  • L5B 3C9 
Which Mississauga postal code has the lowest average premiums?

Areas in Mississauga with lower premiums include Lorne Park and Port Credit. Both cities have relatively lower claim levels in comparison to other areas of the city. 

Why is auto insurance so expensive in Mississauga?

Insurance rates change based on the frequency of claims made by drivers in that area. The higher the number of claims, the more you will end up paying in insurance. Factors like population also contribute to insurance costs. Seeing as Mississauga has a dense population, it is to be expected that insurance rates would be relatively higher. 

What’s the best auto insurance in Mississauga?

There is no definitive answer to the question of what is the best insurance. Depending on your own personal circumstances and driving habits, you will benefit from a different policy and provider. Your best option is to find an insurance broker (like isure) with access to a variety of different insurance rates from numerous providers. 

How can I get an insurance quote?

Getting an accurate insurance quote is only a few small steps away! Get started by making a single phone call to isure at 1-877-514-7873 or fill out the form below. 

What does Mississauga car insurance cover?

Third-party liability and accident benefits are mandatory for every driver in Mississauga. This type of insurance is a must, as it will protect your liability and help you cover the cost of any medical treatments you may require. You can also consider many add-on options if you are interested in additional coverage, which we are happy to discuss in more detail whenever you give us a call. We’ll go over collision insurance, comprehensive insurance, specified perils insurance and all-perils insurance. 

How can I get cheap car insurance in Mississauga?

There are many things you can do to get cheap car insurance in the city of Mississauga, including driving responsibly, bundling your policies, driving safely, and taking a defensive driving course. Combining these steps will help lower your car insurance rate, as will buying the right coverage. We will make sure you pay only for the coverage you need and inform you if bundling would apply in your case. You can always rely on isure for honest information that will help lower your policy! 

Are there driving tips in Mississauga I should be aware of?

Every driver needs to be responsible on the roads, regardless of what city they’re in. Driving is the only thing you should focus on when behind the wheel, as distractions can lead to dangerous consequences and higher premiums. When driving, keep your eyes on the road and always check your blind spots before changing lanes. 

Distracted driving is a severe offense that can land you in trouble as it is illegal in Ontario. Texting will cause you to take your eyes off the road, and an accident can happen in a split second. In short, put your cell phone away to avoid temptation when you drive. Even something as simple as adjusting your music can result in an accident, so you must avoid distractions of every kind. 

There are many construction zones in Mississauga and avoiding these would be ideal if that is a possibility. Try taking alternate routes so that you don’t become frustrated, as well as plan your drive ahead of time so that you are not late for work or an appointment. Always follow the rules of the road and avoid conflict with aggressive drivers so that you remain safe. 

Mississauga Collision Reporting and Claims Process

Getting into a car accident can be scary. Your insurance broker at isure aims to make the process that follows an accident easier with this complete guide. There are four main steps to follow after an accident in Mississauga occurs: 

1. Make sure no one is injured

If you observe any potential injury to either you or another passenger/driver, call 911 immediately. It is essential to provide any medical attention to those who need it before proceeding with any of these post-collision protocols. 


2. Document

Once you are sure that there are no injuries or that all the injuries have been taken care of, you can begin to document essential information prior to visiting a collision center. 

  • Damages 

Take photos of the damages to both vehicles. By taking pictures at the scene of the accident, you are making a note of what is damaged, as well as what remains intact. This can help prevent insurance fraud because this way, there is proof of damage severity. 

  • License 

Make sure you have the name, contact number, and license number of the other parties involved in the accident. A good way to get all of this information is by taking a picture of their driver’s license. Having a photo of the other person’s license will prove that they have their license and that you both remained on-scene following the crash. 

  • Insurance 

Take a photo of the other driver’s insurance coverage. This way, you can sustain a reliable communication channel, regardless of whether the person refuses to cooperate. By offering a photo of your insurance as well, you prove that you are insured and can cover damage costs to your own vehicle. 

  • Conditions 

Next, it is time to make note of specific details at the time of the accident. Where the accident happened, what time, and what the weather and road conditions were like are all valuable pieces of information. 

3. File a police report if damages are over $2,000

You need to involve the authorities if damages for the accident total more than $2,000. This is partially why communication between parties is so important. 

4. Report to a collision center

Your next step is to head to a collision center to file a report that will then lead to filing an insurance claim. You should not drive your car that has just been in an accident to the collision center. Why? Because there may be invisible issues wrong with the car. You will not be able to determine if there is any damage before you get it checked out by a mechanic so instead, call a tow truck driver to bring your car to the reporting center and contact a friend or family member to drive you. The collision center will want you to have all the information from the accident before you can accurately report it; they will also need to physically see the damage to your vehicle. 

There are two collision centers in Mississauga: 

4600 Dixie Road, south of Eglinton 

Telephone: 905-453-3311 


3030 Erin Mills Parkway, near Dundas St. West 

Telephone: 905-453-3311 

What insurance covers: 

Insurance coverage will depend on if you are at fault and what your policy specifications are. You should be familiar with your policy before you get into an accident. Typically, repairs, replacements, and rentals are covered. Some policies can cover tow trucks and taxis, as well! If you need help determining what is covered, speak with your isure broker today to go through your policy details.  

Although all drivers must have auto insurance, they can also choose other optional services.

Mandatory car insurance in Mississauga

The minimum mandatory coverage required by law for all Mississauga vehicles includes:


Ontario requires you to have liability coverage when driving in Mississauga. It provides financial protection in the event of an accident in which you are found to be at-fault.


Accident benefits

Medical, rehabilitation, and income replacement costs will be covered by standard benefits if you are injured in an accident. Alternatively, you can purchase optional benefits or upgrade any of your standard Accident Benefits.



You will be covered if your vehicle hits another vehicle or object, as well as cover the costs to repair or replace your vehicle.



Ontario comprehensive insurance protects your vehicle from damage caused by falling objects, vandalism, fire, theft, lightning, windstorms, or earthquakes.


Optional car insurance in Mississauga

Mississauga car insurance customers can also choose optional insurance coverages, such as:

Collision insurance coverage

A write-off vehicle can be repaired or replaced with financial assistance under this coverage. A liability policy covers damage to other vehicles and property.


Comprehensive car insurance coverage

Other than collisions or other upsets, this coverage pays for losses caused by falling objects, missiles, and vandalism, among other perils or dangers.


All perils

Perils are situations or circumstances that result in a loss. This type of coverage protects you in perilous occurrences, such as car accidents, fire, lightning, earthquakes, explosions, and damage as a result of the weather, for example.


Mississauga Driving and Insurance Myths

Mississauga is a busy city, and traffic is part of everyday life. Every driver needs car insurance, and here at isure, we not only provide our clients with the best rates possible, but we also provide them with important information. We’ve created a guide to break down many of the myths that exist:

Myth #1: Car insurance is cheaper in Mississauga than in Toronto

Mississauga is a large city, and many people assume that auto insurance claims are lower because the city has so much space, especially compared to the compact Toronto core. Mississauga car insurance is not cheaper, however, because Toronto’s subway system reduces cars on the road every day and reduces risk, which decreases rates in Toronto. For this reason, drivers in Mississauga will receive higher car insurance rates than those living in Toronto.


Myth #2: Mississauga has no light rail transit

While it’s true that Mississauga does not have a light rail transit system at present, there are plans in place to have one implemented very soon, and as of now, the project is scheduled to be completed in 2024. The city’s first LRT system will run along Hurontario, the city centre, featuring 19 stops across 18 kilometres of track. 

Myth #3: You can drive anywhere from Mississauga

The city of Mississauga is ideally located; however, commuting is not always a breeze, especially during rush hour. The roads tend to get very congested during this time, lasting from 8:00am to 10:00am and 4:00pm to 6:00pm. You’ll need to plan accordingly if you want to get to your destination on time, and if you have to drive further than one adjacent city, you will have to leave even earlier. 

Myth #4: All auto insurance brokers are the same in Mississauga

Not all brokers are the same because they don’t all work with the same car insurance companies. Each broker, including isure, partners with different insurers to offer the best solution for your needs.

Save when you bundle your home and auto insurance

Lower your insurance rate and save money

Driving in Mississauga

Every driver requires insurance by law. If you’re a licensed driver in Mississauga, you can rely on isure for protection. We will provide the best coverage for your needs and ensure your policy is suitable. 

Having an understanding of driving details in Mississauga is very helpful. The following guide will highlight key pieces of information:

Automated speed enforcement

These cameras are in place to actively enforce the speed limit in Mississauga. Automated Speed Enforcement uses a camera and a speed measurement device to enforce speed limits in school and community safety zones. 

Speeding is a serious concern for Mississauga residents, and these cameras are an effective way to enforce safety. This method helps make streets safer for drivers and pedestrians, and encourages vehicles to slow down. Drivers must obey the speed limit at all times. If you exceed the posted limit in a specific area, the system will capture an image, after which a provincial offence officer will review the image and issue a ticket. This program is active in school areas and community safety zones where speeding tends to be a consistent problem.

Neighbourhood Area Speed Limit Project

The default speed limit on roads within the City of Mississauga is 50 kilometres per hour, unless otherwise stated. The city is reducing speed limits in specific areas to make neighbourhood roads safer for everyone. Approximately one-third of fatal collisions result from speed, and lower speeds are proven to reduce the severity of injuries. Statistics show that survival rates significantly increase with lower speeds. 

Neighbourhood Area Speed Limits

These establish a reduced speed limit for an entire neighbourhood, and the City of Mississauga began lowering speeds in 11 different communities in the fall of 2019. The city expanded this in 2020 to reduce speed limits in all of Mississauga’s residential neighbourhoods. 

Entrances and exits to all neighbourhoods will have signs to indicate when the neighbourhood area speed limits are in effect.

5 Worst Intersections in Mississauga

Peel Region Intersection Collisions During the Day

Peel Region’s Intersection Collisions by Year

How to lower Auto Insurance costs in Mississauga

Car insurance is a compulsory requirement for driving a car. That means everyone needs to have car insurance if they plan on driving a car anywhere. But insurance costs aren’t all equal. You may be paying 50% more than your neighbour who is paying 50% more than their friend. Cities like Mississauga have a wide range of insurance costs from as low as $1,200 per year up to beyond $3,000. Here’s why and how you can lower your Mississauga insurance costs: 

Why your auto insurance is so high 

The amount you pay in insurance is based on how likely a provider feels you are to file an insurance claim. The higher the likelihood based on historical statistics, the higher your insurance costs will be. These are a few determining factors:  

1. Driving record 

If your driving record has even one driving offence or violation, you will likely be paying more each month. That is because you have already committed a violation, which indicates you may be inclined to commit more. 

2. The car you drive 

If your vehicle has any known mechanical faults or is known to get into more accidents, you will also be paying a higher premium than other drivers in Mississauga. Look for a car with great safety ratings, high reliability and low chance of theft if you want to save more each month. 

How to get cheaper auto insurance in Mississauga 

Cheap car insurance doesn’t have to be complicated with isure! We want to share our knowledge and insight to help you save more on your driving expenses. Here is how you can save on your next car insurance policy: 

Increase your deductible 

A deductible is a specific amount you will agree to pay out-of-pocket in case you have to file a claim. Some insurance policies have zero deductible, where others can have a high amount. When you increase your deductible, you reduce your annual costs by a few hundred dollars at least!  

Keep a clean driving record 

Keeping your driving record clean from any driving offences (yes, even minor ones) will keep your insurance costs as low as possible. Driving offences and claims stay on your record for at least four years and will impact your insurance rates for up to 10 years. 

The last thing you can do is work with an isure insurance broker. At isure, we sort through hundreds of different policies and shop corresponding rates to offer you the perfect Mississauga auto coverage for an even better rate. 

How To Get An Auto Insurance Quote In Mississauga?

Working with a suite of quality insurers, isure will do the work of gathering quotes from each company to find the lowest cost for the plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants in Mississauga will find you the best choice, and will only recommend moving you to another insurer if it works for you.

Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.

How Much Should I Expect to Pay For Auto Insurance in Mississauga?

There are many factors that go into the price of auto insurance in Mississauga. Your quote can fluctuate depending on if you require high risk insurance, or you can have a lower quote if you practice safe driving or if you bundle your policy, for example. Go-telematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.

Not sure where and how to start?

isure experts are here to HELP you.

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