Brantford Car Insurance Quotes
Brantford drivers save an average of $503* on car insurance with RATESDOTCA
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Based on 6,442 reviews
Save time and money with rates.ca
I always use rates.ca for my travel insurance. They compare rates from several insurance companies and I can choose the package that suits my needs. I save time, frustration, and best of all, money. Thank you rates.ca, I will definitely be using your service again in the future.
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Amazing service have not left for my…
Amazing service have not left for my trip yet and hopefully don’t need this insurance but the prices are amazing and the cheapest It’s quick and easy to use! 💯 safe! Thank you
Sunita
Wish I'd found ratesdotca sooner!
I stumbled on ratesdotca after wasting a fair bit of time getting quotes directly from various insurance companies for travel medical insurance. The rates I was quoted by the companies directly were all much higher than what ratesdotca found for me. I'd recommend this website to anyone seeking to quickly and effectively compare policy options and rates.
Erin S
Highly recommended.
Highly recommended.
Carlos G
Fast, easy, budget friendly.
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Excellent quick and easy service
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Recent auto insurance quotes in Brampton

Recent auto Insurance Quote from Brampton, Ontario
Male, 23 years old
2008 HONDA ACCORD EX-L 4DR
June 12, 2025
Cheapest Quote
$ 316 / month
$ 3,787 / yearAverage Quote
$ 613 / month
$ 7,357 / yearSavings
$ 298 / month
$ 3,570 / year
49 %
Recent auto Insurance Quote from Brampton, Ontario
Female, 28 years old
2025 MAZDA CX-90 GS-L PHEV 4DR AWD
June 11, 2025
Cheapest Quote
$ 391 / month
$ 4,697 / yearAverage Quote
$ 490 / month
$ 5,885 / yearSavings
$ 99 / month
$ 1,188 / year
20 %
Recent auto Insurance Quote from Brampton, Ontario
Male, 39 years old
2025 ACURA TLX TYPE S TURBO 4DR AWD
June 11, 2025
Cheapest Quote
$ 395 / month
$ 4,738 / yearAverage Quote
$ 681 / month
$ 8,168 / yearSavings
$ 286 / month
$ 3,430 / year
42 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
All about Brantford car insurance:
Why comparing quotes saves you money on your Brantford car insurance policy
With a location in the Greater Golden Horseshoe region — where about a quarter of Canada’s population lives — and easy access to Highway 403, there’s no shortage of drivers in and around Brantford. Due to this and weekday commuters to Hamilton or the Tri-Cities, some Brantford drivers may face high car insurance premiums.
But your unique profile and needs might mean you can find a better insurance rate. Each insurer weighs different criteria when calculating premiums, so there’s often price variation between companies.
To find the most affordable car insurance policy in Brantford, it’s essential to compare multiple car insurance quotes. RATESDOTCA works with over 50 of Canada’s leading insurance providers to help you find the best deal. Continue reading to learn more about how to save money on vehicle insurance or enter your postal code and use our online tool to start comparing quotes.
How to reduce your Brantford car insurance premium
Reducing your car insurance premium is possible, but it requires planning. Insurance companies calculate rates based on multiple factors, including claims activity from the rest of the insurance pool, which you can’t change. But drivers have control over many of the elements considered by insurers when calculating premiums, including their own driving history.
Keeping a clean driving record is one of the most important factors. Infractions including traffic tickets, driving under the influence or at fault accidents can stay on your record for years. Having a clear driving record means a lower risk rating from insurance companies, and with that, lower premiums.
Another key thing to consider is your vehicle. If you’re in the market, think carefully about what one you buy. Brand new cars, particularly fully optioned or luxury models, often cost more to insure. This is because they’re usually more expensive to fix if an accident occurs.
Other steps you can take to qualify for discounted insurance in Brantford, include pre-paying your policy, installing snow tires, and taking advantage of alumni, employee, or membership insurance discounts.
The first and easiest step to get cheaper car insurance is to compare rates online. RATESDOTCA can get you dozens of quotes to compare within minutes.
Frequently asked questions about Brantford car insurance
How do insurance companies calculate rates for drivers in Brantford?
Calculating insurance rates for Brantford drivers involves looking carefully at all the distinct factors which impact premiums. These range from the basics (like your driving record and vehicle) to less obvious factors. Here’s a list of some of the most vital information companies look at when quoting rates:
- Your vehicle: Certain vehicles, like newer luxury or sports cars, particularly those with lots of technical options, often cost more to insure than other models. This is because they cost more to repair or replace if an accident occurs.
- Driving history: Your unique driving record, including tickets, driving violations and at fault accidents plays a huge role in how much you pay. During the several-year period these are on your record you’ll pay more for insurance. Keep a pristine driving record to maximize your savings.
- Age and experience: Newly-licenced drivers and those under 25 tend to pay more than average for auto insurance. Drivers 70 and over may also pay higher premiums. This is because both groups are statistically at a greater risk of being involved in a collision and usually need more healthcare to recover.
- Discount eligibility: Many car insurance discounts are available, from discounts based on age or occupation, to alumni status or membership affiliation. Be sure to ask your insurance provider about available discounts to make sure you get the best rate. Want to reduce your premium by 5-15%? Bundling your home and auto insurance policies with the same insurer may be possible.
- Optional coverage needs: Brantford (like all Ontario cities) has certain categories of car insurance which all drivers must buy. Other categories, however, are optional. Drivers who select coverage beyond the minimum requirements will pay more for auto insurance.
- Postal code: If drivers in your neighbourhood are more likely to file auto insurance claims, this may mean higher rates for you. The opposite is also true.
- Driving frequency: Insurers ask for your annual mileage for a reason: the more you drive, the more likely you are to get in an accident. Cutting back on driving, by integrating some public transit use into your lifestyle for example, can help trim your insurance costs.
- Additional drivers: Extra drivers on a policy mean extra costs. If you add secondary drivers to your insurance policy, expect a higher premium.
Which cars get the lowest car insurance premiums in Brantford?
Vehicles that cost less to insure typically have lower replacement or repair costs. This includes older-model and pre-owned vehicles, as well as those with high safety ratings. Insuring newer luxury and sports cars with lots of high-tech options, and those which have higher risks of theft or collision, costs more.
How can I score discounts on auto insurance in Brantford?
Car insurance customers who plan and shop around will save the most. This is true for drivers in Brantford or anywhere in Ontario.
Using an online comparison tool like RATESDOTCA is the easiest way to review multiple car insurance quotes at once. If you’re planning to buy a new vehicle, compare quotes for the models you’re considering first. That way you know which one is cheapest to insure.
The following tips will help you score car insurance discounts:
- Increase deductibles: The more you agree to pay out-of-pocket when filing a claim, the lower your premium will be.
- Bundle home and auto insurance: By bundling your home and auto insurance with the same insurance company, you can receive multi-line discounts of 5-15% off bundled policies.
- Install winter tires: Using winter tires saves you about 5% annually while keeping you and your passengers safe in snowy conditions.
- Reduce add-ons: Review your coverage annually and cancel optional insurance you no longer need. For instance, if you drive an older car, paying for collision coverage may not make economic sense.
- Pay annually: By paying for your premium once annually instead of monthly you often save. Ask your insurance company if this is an option.
- Drive less: Since insurers consider your annual mileage, cutting back (like using public transit more) can reduce your premium. Always tell your insurance company about significant changes in your driving frequency.
- Driver education: New drivers who complete training from an accredited driving school qualify for discounts with most insurers.
- Multi-vehicle discounts: Insuring more than one vehicle with the same company can result in a 5-15% discount on premiums.
- Group discounts: Certain professional associations and other groups are eligible for discounted premiums when insured under a group policy.
- Safety features: Installing approved anti-theft devices or other safety features on your car can help you save. Be sure to check a device’s eligibility before purchasing and installing it.

Shop around and save on Brantford car insurance today
Savvy shoppers get the best car insurance rates in Brantford. With our RATESDOTCA online tool you can compare quotes from more than 50 of Canadas top insurance companies. You're just a few minutes away from finding better vehicle insurance rates.
"*Shoppers in Brantford who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $503 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by RATESDOTCA.