Car Insurance in Mississauga

What happens if you drive without car insurance in Mississauga? Going uninsured is an illegal act, and if you are caught doing so, you could face severe fines.

In Ontario, uninsured motorists can be fined a minimum of $5,000 up to a maximum of $25,000 for a first offense. For a second offense, fines start at $10,000 and go up to a maximum of $50,000. To make matters worse, there is an additional surcharge on each fine that the driver is responsible for paying.

Beyond fines, Mississauga motorists caught driving without insurance may face other penalties, such as the suspension of their driver’s license or their vehicle being impounded for up to three months.

In summary, driving without car insurance is a criminal offense in Canada, which means you do not want to be caught doing so in Mississauga or anywhere else in Ontario. To avoid this, invest in a quality auto insurance policy from certified insurance brokers and remember to renew it annually or purchase a new policy before your current one expires. If you need help finding car insurance that meets your needs, contact a Mississauga auto insurance broker today.

Car Insurance in Mississauga, Ontario

Did you know that Mississauga is the largest city in the Peel Region? It is now ranked Canada’s 6th largest major city, with a population of 721,599 people and growing. Located less than an hour outside of Toronto, Mississauga provides 263 playgrounds, 368 sports fields, and 327 km of walking and biking trails. Take a day to visit the waterfront and shops in Port Credit, one of Mississauga’s major entertainment hubs. Or, if you’re feeling tired of fresh air or you just need something to do on a rainy day, you can visit one of Mississauga’s many indoor shopping centres or maybe even your local Sky Zone Trampoline Park – fun!

Whether you're making the drive into Toronto or are planning on using the car to visit any of the places mentioned above, it's good to have the peace of mind that your vehicle is properly insured. BrokerLink brokers live and work in Mississauga. This means they know the community and can find insurance solutions that make sense for you. Give us a call, get a quote online, or just stop in and say hi! We love to meet our neighbours.

How to find the lowest rate

We know that insurance isn’t the first thing you want to spend your money on. But don’t fear! While you can’t avoid paying for car insurance in Mississauga, there are ways to save money. Here are a few things you can do to lower your premium:

Pay once a year

You can lower your costs by paying once a year instead of monthly. This avoids the administrative fees that some insurance companies charge for monthly payment plans.

Raise your deductible

A higher deductible can reduce your overall premium. If you haven’t already, consider increasing your deductible to at least $1,000.

Insure all your vehicles together

If there is more than one vehicle in the house, you could be saving money! Insuring all cars under one policy is called bundling. It can save you as much as 20 per cent on each vehicle.

Bundle more to save more

You can bundle more than just vehicles. You can also consider bundling other assets, such as a home, cottage, or even a boat! Combining these assets under one policy can save you up to 15 per cent on each policy.

Ask for more discounts

You never know if you don’t ask. Pick up the phone and call your broker to ask if there are any more discounts to be had. Car insurance companies often add and change promotions. You might qualify for discounts now that you didn’t qualify for in the past. That’s why it’s always a good idea to periodically check in to see if you could be saving even more money.

Winter tires can save you money

We know all about driving in the winter. Driving can be rough in Canada when the snow starts to fall. Winter tires can make it a little bit easier. And the great news is that winter tires can save you money on insurance! If you use approved winter tires every year, you could save up to 5 per cent on your premium.

Review and reassess your coverage

In life, the only thing you can count on is change. There may be a new secondary driver on your policy, or maybe someone has moved out and isn’t using your vehicle anymore! There may be a new relationship, or a relationship that has ended. As you go through life’s changes, you should always make sure you have the proper coverage. You don’t want to pay too much, and you also need to make sure the things that matter to you are protected. The best way to do this is to regularly check in with your broker and review your policy every year.

Enroll in driving school

Did someone in your house recently turn 16? It’s a great idea for them to attend a driving school and be trained by a professional. This will give them the experience and skills they need to be a great driver. Not only will your teen be safer on the roads, you can also save a significant amount of money on your car insurance. In fact, the savings you receive on your first year of car insurance alone could cover the cost of a typical driving course.

Good driving habits are a great way to save

You should be rewarded for your good driving habits. Many car insurance companies have apps that monitor your driving habits. If you’re a good driver, you can save up to 25 per cent on your car insurance. These apps monitor things like your speed, hard braking and the use of your phone while driving.

Consider electric or hybrid

Times are changing! New vehicles that don’t rely on fossil fuels are becoming more common. They are also paving the way for more discounts on your insurance! Driving a hybrid or electric will save you more than just money at the pump. You could actually be paying a smaller premium! Talk to a broker to see what options there are for electric vehicles.

Accident Forgiveness

If you have a record of good driving, you should be rewarded for it. You can protect that record with accident forgiveness. Your first at-fault accident is treated as if it never happened. Your premium will not go up as a result.

Insurance doesn’t have to break the bank

In Canada, you can’t avoid paying for car insurance. It’s the law, and is there to protect us. What you can avoid is paying too much. A broker knows all the ways to save money and have the right coverage. We also have the inside scoop on even more discounts such as Loyalty, Graduated License, Away at University, Good Student, Claims-Free, Multi-Vehicle, Family Discount, and more! Call a broker today and start saving money.

How we do it

Getting the best car insurance in Mississauga is like anything else - if you want results you have to put in work! It takes time and effort to get quotes from several different car insurance companies. However, this work is essential if you want to compare all your options and find the best rate.

But how are you supposed to get quotes from different companies? That takes time, and you are a busy person with better things to do! That’s where BrokerLink comes in.

We shop around for you

Going with a broker means we do the insurance shopping for you. We present you with quotes from different insurance companies and tell you what we think is your best option. We do all the work so you have more time to do the things you love.

We’ve been doing this for a long time, so you can trust us to protect the things that matter most to you. We know what we’re doing, and we want to share our knowledge and expertise with our customers.

We are completely independent - we work for our customers, not the insurance companies. This means we will give you our honest opinion about what plan makes the most sense for you. Going with a broker means you save time, money, and have peace of mind knowing you’re protecting yourself and your family. Don’t do it the hard way. Do it the easy way, and let a broker help you find insurance that fits.

Insurance shopping, but way better

When someone mentions car insurance, don’t let it stress you out. It doesn’t have to be a negative experience. With a broker, you can relax. You’ll have confidence and peace of mind because you’re working with someone who has experience and knowledge in a field that can be complicated. We will speak to you in plain English - no insurance jargon, we promise! We will find the insurance plan that makes sense for you at a competitive rate. Visit us online, call us on the phone, or stop by a branch. We can’t wait to meet you!

How do Car Insurance companies determine premiums?

Calculating car insurance premiums in Mississauga is a complicated thing. Insurance companies consider many factors when they decide how much customers will pay. Each factor affects the rate differently. Here are a few of the most common factors that determine car insurance rates:

  • Where you live
  • Age
  • Gender
  • Marital status
  • Vehicle type
  • How you use your vehicle
  • Driving record
  • Driving experience
  • Past claims
  • Prior insurance coverage
  • Number of kilometres you drive
  • Type of coverage on your policy
  • Your deductible

As an insurance broker, BrokerLink does not actually determine your car insurance rate. Instead, our brokers search the market to help find the best insurance options for you. We consider your individual needs to determine which company is the best fit for you.

Mandatory Coverage

In Ontario, you need car insurance to legally drive. Some coverages are mandatory and some are optional. Below is a list of the coverages that are required by law:


If you are found at-fault in an accident, liability insurance helps pay for the other drivers’ property and bodily injuries. In addition, liability coverage helps pay for your legal costs. This coverage is mandatory in every Canadian province. The minimum amount varies from province to province. Your broker can give you information specific to your location.

Accident benefits coverage

The costs stemming from an accident don’t end immediately after the accident takes place. Someone injured in an accident may require serious medical attention or rehabilitation. These costs can continue for weeks, months or years after an accident occurs. That’s what accident benefits coverage is for. It will cover these costs, regardless of who is at fault in the accident. A broker can explain what your options are for this coverage.

Direct compensation

Direct compensation is another mandatory coverage. It protects you when you are not at fault in an accident. It is called direct compensation because you deal directly with your insurance company to recover any compensation following a claim.

Uninsured automobile coverage

Most drivers are responsible and get the right insurance before they hit the road. However, some people are not! This coverage protects you and your passengers if you are involved in an accident with a driver who does not have insurance.

Increased coverage in Mississauga, Ontario

Above, we listed the types of insurance the law requires before you can start driving. There are additional coverages that are not required by law, but can give you even more peace of mind and protection. Here are a few of the most common additional coverage options in Mississauga:


Collision coverage protects you if your vehicle is damaged due to a hit and run accident. It also pays for any damages to your vehicle if it is involved in a collision with another driver or object.


A car crash isn’t the only risk you face when it comes to owning and operating a vehicle. Comprehensive coverage protects you in the event of a fire, theft, vandalism and water damage.

Accident forgiveness

You deserve a second chance. If you are involved in your first at-fault accident, this coverage maintains your good driving record for as long as you stay with the same company. Accident forgiveness ensures your rates won’t go up as a result of your first at-fault claim.

Waiver of Depreciation

This coverage is something you should consider if you are buying a brand new car. With this optional coverage, you’re covered for the value of your vehicle without depreciation. In the event of a theft or total loss claim, you’ll be reimbursed for the full value of the car when you drove it off the lot.

Car Insurance in Ontario is the law

Car insurance in Ontario is government-regulated. This means every vehicle owner and operator requires insurance. The minimum coverage requirements in Ontario include:

  • Third-party liability coverage: Covers you if you are held responsible for causing injury or damage to personal property.
  • Statutory accident benefits coverage: provides you benefits if you're injured in an accident no matter who's at fault.
  • Direct compensation – property damage coverage: reimburses you for damages to your vehicle whether you or a third-party is responsible.
  • Uninsured automobile coverage: protects you in the case you’re involved in a hit-and-run accident or you're injured or your property is damaged by an uninsured driver.

Make sure to discuss these and other coverages with your broker to see what coverage amounts best suit you and your lifestyle!

Mississauga Car Insurance Fun Facts

With such a large population, it's safe to say that the major roadways in Mississauga can get busy at times. Mississauga consistently ranks third on Ontario's list of the most expensive cities to drive; higher than Toronto. However, in Mississauga, premiums can vary by hundreds of dollars depending on your location in the city. For example, Mississauga residents with an L5B postal code can expect to pay almost $500 more, on average, for their annual insurance premium than those with a L5G postal code. As your broker, we will do our best to find you the best price possible no matter where you live in the city, so don’t start planning a move just yet!

Get in touch

Are you ready to buy insurance? Looking for even more information? We can help with that. From beginning to end, we will walk you through the process and you will walk away a happy customer. Call us, email us, visit our website, or even stop by and visit. We can’t wait to help you with all your insurance needs.

Whether you're making the drive into Toronto or are planning on using the car to visit any of the places mentioned above, it's good to have the peace of mind that your vehicle is properly insured. BrokerLink brokers live and work in Mississauga. This means they know the community and can find insurance solutions that make sense for you. Give us a call, get a quote online, or just stop in and say hi! We love to meet our neighbours.

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Frequently asked Mississauga car insurance questions:

How much is car insurance in Mississauga?

Unfortunately, the answer to this question isn't the same for everyone. The price of car insurance depends on many factors, including your driving history, the type of car you drive, where you live and your insurance history. Speak with a broker today for a customized quote based on your needs.

Am I covered under my parent’s car insurance?

This depends on the situation. In some circumstances you could be covered, while in others you may only be covered if you are under their policy as a secondary or occasional driver. Speak with a broker today in order to determine coverage.

Is car insurance mandatory in Mississauga?

It’s mandatory for drivers to have auto insurance in the city of Mississauga. As one of the largest cities in Canada, drivers will often find it’s also one of the most expensive cities for car insurance.

For more FAQs, visit the BrokerLink FAQs page.


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