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Save more on car insurance in Mississauga

Get affordable car insurance in Ontario’s growing business hub.

Easy-to-use car insurance in Mississauga

Mississauga has been growing, especially with investment flowing into the Peel Region. More people moving in means more cars on the road. So, it’s important to make sure you’ve got enough insurance coverage for those unexpected moments.

Whether you’re heading out of Mississauga’s downtown core to explore the scenic Lakeside Park or venturing into neighbouring communities like Erin Mills, Oakville and Streetsville, you can easily find affordable car insurance that caters to your specific driving needs. Given the high volume of vehicles on the road, having optimal coverage becomes more crucial.

How much does car insurance in Mississauga cost?

The average cost of car insurance in Mississauga in mid-2023 was about $3,113 per year or $259.42 per month. It’s more than the provincial average of $2,511 per year or $209.25 per month.

Mississauga’s most affordable option for car insurance

Getting affordable car insurance in Mississauga is essential when you’re trying to balance your budget. There are a few things you can do to find car insurance with the best rates:

  • Choose the right car
    Insurers use the Canadian Loss Experience Automobile Rating (CLEAR) system to determine the likelihood of your car being involved in a claim, and how much it might cost. Choosing one with a lower CLEAR number can help you get the cheapest insurance possible.
  • Adjust your coverage to reflect your needs
    You can decrease the amount of coverage, increase your deductible, or remove optional endorsements to shave a little extra off your monthly cost. Remember though, you may pay more out of pocket when you make a claim, and you may have less protection when decreasing coverages.
  • Bundle your home and auto insurance
    Most providers will offer significantly discounted rates when you insure your home and car(s) with them.
  • Take advantage of discounts
    Most providers offer discounts for things like being claims-free, insuring multiple cars, and installing winter tires. Find one that puts the most money back in your pocket. See Onlia’s car insurance discounts.

Why Mississauga drivers should choose Onlia


When choosing an insurance company in one of Canada’s largest cities, consider factors such as coverage options, affordability, reputation, customer service, specialized services, claims handling and available discounts.

Onlia makes buying and managing your insurance simple:

  • You can add or subtract your coverage as you see fit.
  • You have the freedom to make your own insurance decisions.
  • No paperwork or phone calls required to buy your manage your policy, saving you more time (and money)

Save $750* on car & home insurance

Bundle your car and home insurance policies with Onlia to save up to 15% on car and up to 50% on home coverage.

All the coverage you need, plus more

In order for you to drive in Ontario, you need the minimum coverage:

  • Third-party Liability: Protects you when you’re responsible for an auto accident in which someone else is injured, killed, or has their property damaged. Learn more about Third-party Liability coverage.
  • Accident Benefits: Covers certain aspects of injuries to you/your passengers because of an automobile accident.
  • Uninsured Automobile: If you're in a collision where the other driver is at-fault but doesn't have insurance, your insurance provider will cover the damage to your vehicle. Learn more about Uninsured Automobile coverage.

Along with all the mandatory coverage you need to legally drive in Ontario, you can round out your policy with extra protection.

Extra coverages can include:

  • Family Protection — If you or a family member is hurt in a collision caused by a driver who is underinsured, we'll cover the difference up to your coverage limit.
  • Increased Third-party Liability — Minimize risk by boosting your liability coverage limit from $1 million to $2 million.
  • Enhanced Rental Automobile Package — Our enhanced get-around guarantee gives you more options when it comes to rental cars if your vehicle is damaged in an accident.
  • Optional Accident Benefits Coverages — Accident Benefits provide compensation if you, your passengers, or pedestrians are injured, as the result of an incident. You can increase this protection by adding more coverage.
  • Automobile Purchase/Leased Price Guarantee — In the event of an accident that damages your vehicle beyond repair, if you bought or leased your car new, we’ll pay to replace it with a new one that’s a similar make and model.
  • Permission to Carry Paying Passengers — This allows you to accept compensation for giving colleagues a ride to and from your workplace

How car insurance rates are determined in Mississauga

Car insurance in Mississauga is based on several factors.

These include the type of vehicle you drive, your age, your gender, years of experience driving, annual distance driven, at-fault collisions, postal code, coverage options, deductible and the number of drivers on the policy.

What affects your car insurance premium

  • Type of vehicle
  • Age, gender and years of driving experience
  • Typical distance driven each year
  • Driving history and previous at-fault collisions
  • Postal code
  • The coverage options you choose
  • The deductible you choose
  • Number of drivers on the policy

What doesn’t affect your insurance premium

  • Your credit history, including past bankruptcies
  • Your employment status
  • How long you’ve been at your current address
  • Whether you lease or own your car
  • Accidents where you were not at fault
  • Periods where you did not have car insurance (depending on your province)
  • The colour of your car — we don’t even ask

Discounts on Mississauga car insurance

Car insurance is mandatory in Mississauga — but paying a high premium isn’t. Onlia offers a menu of discounts that can help manage the cost of insurance in Mississauga:

Bundle Car & Home

What you can save: Up to 50% off home insurance, up to 15% off car.
How you can save: Insure your home and car with Onlia.


What you can save: 25%
How you can save: Have zero convictions over a three-year period.

Graduated Licensing

What you can save: 10% off your first year when you graduate to a new licence level.
How you can save: Have your G2 or G licence and a good driving & insurance history.


What you can save: 20% off per car.
How you can save: Insure two or more cars on the same Onlia account.

New Car

What you can save: 10%
How you can save: Insure a car from 2020 or above.

Renewal Loyalty

What you can save: 5%
How you can save: Be an Onlia customer for 3 or more years.


What you can save: 5% off accident benefits coverage.
How you can save: Be retired and maintain a good driving record.

Winter Tires

What you can save: 2%
How you can save: Have winter tires installed.

What Onlia's affordable car insurance covers

Onlia has coverages to suit everyone — whether you’re a single professional in the city, a parent with a growing family heading into the suburbs, or a post-secondary student attending the University of Toronto Mississauga.

Our coverage covers your bases – everything that’s required to drive in Ontario comes standard in our car insurance policies. Plus, you'll get extra protection like Ticket and Accident Forgiveness at no added cost.

*Mandatory coverage

Accident Benefits*
Provides medical, rehab and funeral costs to you, your passengers and anyone else injured in a collision.
Third Party Liability*
Covers your legal liability, even if you’re partially at fault for an accident.
Uninsured Driver*
Protects you on multiple fronts, like if you collide with an uninsured driver, or are a victim of a hit-and-run.
Direct Compensation
Helps pay to repair your car when you're deemed not at fault in a collision.
Helps repair or replace your car in the event you collide with another car or object.
Includes coverage for damage or loss due to fire, theft, vandalism, and more.
Rental Car
You’ll have access to a rental car while yours is being repaired or replaced.
Family Protection
If you or a family member is hurt in a collision caused by a driver who is underinsured, we'll cover the difference up to your policy limit.
Ticket Forgiveness
Free for eligible drivers, your premium won’t increase over a minor conviction.
Accident Forgiveness
Free for eligible drivers, your premium won’t increase after your first at-fault accident.

What to know when choosing car insurance in Mississauga

Find car insurance that works for you

Discover more about car insurance

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Bundle your car and home insurance to save even more

Want even cheaper insurance? Save up to 50% on home and up to 15% on car insurance when you bundle them.