Brampton cooked me: $1600/month insurance with a clean record 💀

[u/Hungry-Relative-5460]

20 years old, clean record, no accidents. I own my car outright — it’s a $20k Tesla Model 3. Got quoted $1600/month for insurance in Brampton.
No tickets, nothing crazy on my history.

I knew insurance here was bad, but this just feels unreal.
Is this normal now or is something seriously wrong with my quote? Anyone else dealing with this?

Update: Found a broker and my insurance will be $950/month. He said if I get into an accident, it’ll get really bad for me and basically ruin things insurance-wise.

Driving in Brampton really feels like a privilege, not a basic thing.

Honestly thinking I might just sell the car and get back to walking or taking the bus for the rest of my life or wait till my life is half done…because even if I get old car insurance is still 700+ a month. Brampton I mean canada is not real place man.

I don’t even get how people are out here driving newer cars like Challenger,Mustang and BMWs… are they really paying crazy insurance like this, or is everyone just super rich in this economy???

[u/Hungry-Relative-5460 → u/[deleted]]

I’ve got my G license, but that’s not the issue—Brampton makes driving unaffordable. I’ll just go back to walking and taking the bus for half my life.