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Car insurance in Mississauga, where rates rose fastest in 2026
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Why Mississauga premiums keep climbing
Mississauga's average car insurance quote rose 7.3% in a year to $2,494, the biggest increase among Ontario's six largest cities in a 2026 comparison. Only Brampton, its Peel Region neighbour, came in higher.
Theft is a large part of the picture. Mississauga had the third-highest auto theft claims costs in Ontario in 2025, and Peel Regional Police counted more than 2,800 vehicles stolen in the city that year, even as thefts across Peel fell. Your postal code and vehicle model will move your quote more here than in most of the province.
Mississauga car insurance by the numbers
- Average annual quote in Mississauga: $2,494, up 7.3% year over year, the largest rise of Ontario's six largest cities. (MyChoice 2026 market overview, Sept 2026)
- Mississauga ranked third in Ontario for auto theft claims costs in 2025 at $31.6 million, up 216% since 2017. (IBC costliest cities for auto theft, 2025 claims)
- 2,838 vehicles were reported stolen in Mississauga between January 1 and December 21, 2025; across Peel, thefts fell to 4,722 from 6,657 in a similar 2024 period. (Peel Regional Police data via insauga, Dec 2025)
- Across Ontario, the regulator's average annual premium for private passenger vehicles was $2,218 over the 12 months to June 2026, up from $2,006 in October 2024. (FSRA average premium, June 2026)
- Every Ontario policy must include at least $200,000 in third-party liability, plus statutory accident benefits and uninsured automobile coverage. (FSRA standard policy)
- For new policies starting on or after July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory; income replacement, caregiver and housekeeping benefits became optional. (FSRA standard policy)
Before you compare quotes in Mississauga
- Since July 1, 2026, income replacement and some other accident benefits are optional on new policies. Ask the broker what dropping them would save and what you'd give up, especially if you rely on your paycheque.
- Ask whether a tracking device or other anti-theft measure changes your price; some insurers treat high-theft models differently.
- Have each driver's licence history, any claims or tickets from the last six years, and your current renewal ready so quotes are accurate.
- Compare the same limits and deductibles across quotes; a lower price with $200,000 liability isn't comparable to one with $2 million.
Local facts last reviewed October 2026. Figures are published averages and public data, not quotes; your premium depends on your own details.
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- There’s no obligation to continue the conversation or purchase coverage.
Simple Insurance is not an insurer or a broker. We connect you with licensed Ontario insurance professionals, who may compensate us for the introduction. Coverage decisions, pricing, and advice happen directly between you and the professional who contacts you.
How it works
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Frequently asked questions
Is this an instant insurance quote?
No. This is a request to be connected with an insurance professional who can help you compare options.
Is there any obligation?
No. Submitting a request does not obligate you to buy insurance.
What information do I need to provide?
Only basic contact information, your region, the type of insurance you are interested in, and your timeline.
Who will contact me?
A relevant insurance professional or partner may contact you based on your request.
Do you guarantee savings?
No. Savings depend on your profile, coverage needs, provider, and market conditions.
Why did car insurance go up so much in Mississauga?
Published averages rose 7.3% in 2026. Insurers price on local claims, and Mississauga has had some of the highest theft and claims costs in Ontario.
Is Mississauga cheaper to insure a car in than Brampton?
On average, yes: about $2,494 a year in Mississauga versus $3,471 in Brampton for the same driver profile in a 2026 comparison.
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