Hamilton Car Insurance: Cheap Auto Insurance Quotes

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All Hamilton drivers want to save on car insurance. But car insurance rates in the city are some of the highest in the province. Are you getting the lowest rates? Do you have the car insurance you need to drive with confidence in Hamilton?

The best way to save on car insurance in Hamilton is to compare quotes. We can help you find cheaper rates for car insurance in Hamilton, regardless of the type of driver you are or the vehicle you drive. We'll compare quotes from the top companies to get you affordable coverage. You could save up to $500 or 25% when you get a quote from us.

Quick facts about car insurance in Hamilton

The average cost of car insurance in Hamilton in 2024 is $2,506 annually.
Drivers pay about $700 more per year than the provincial average. Significant traffic, collisions, and Highway driving contribute to higher rates.
Car insurance rates have increased by 6% in the last year for some drivers. Comparing car insurance quotes with a broker is the best way for Hamiltonians to save.

How to get car insurance quotes in Hamilton

Get quotes in a few simple steps and start saving!

1) Begin your quote

Get started with your postal code.

2) Tell us about yourself and vehicle

Provide us with some basic driving and vehicle information.

3) Compare quotes

See rates from the top insurance companies.

Choose your policy

Choose the lowest rate. Confirm the details with our experts and buy your insurance.

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5 star Hamilton car insurance

Rated 4.7 out of 5 stars in 1412 Google reviews

We help Hamilton drivers save on their car insurance.

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Tee Vee

2024-06-25

Sohel helped us apply for insurance and got everything done super fast and efficiently! Thanks Sohel!

The Jordan Family

2024-06-20

Solely was an absolute pleasure to work with. He was very knowledgeable and quick to respond. He had my new policy up and ready in the course of an afternoon, not to mention the best rates out all brokers I came across. I highly recommend this man and his customer service. 5 star service indeed!

Jade W

2024-06-17

Bailey went above and beyond. Was insanely patient with my scatter brain and a million questions. He explained everything to a point of actually understanding vs "that other" company that made me feel like a child for not understanding their legal ramblings. I appreciate you!!!!

Erfan Javid

2024-06-14

I worked with Sohel, and he put in an incredible effort for me! Sohel is an amazing insurance broker who was very helpful and honest. Communicating with him by phone and email was effortless, and he completed all my insurance paperwork without any hassle. I had insurance sorted out with just one phone call and one email thread.

Mykyta Shylin

2024-06-13

Thank you Bailey, for your help in getting my auto insurance policy sorted out after the non-payment cancellation. I really appreciate the effort you put in to ensure everything was taken care of quickly.

Bradley Chapman

2024-06-12

I was in a pickle and they really helped me out, very supportive. I dealt with a woman by the name of Denise and honestly, she deserves an additional 5 stars on top of this 5 star review.

Daniel McDonald

2024-06-11

I had a great experience with my broker, super knowledgeable dude helped me get back on the road quick and clean.

mic

2024-06-10

Working with Todd was a pleasure. It was very easy communicating with him by phone and email. He was able to complete all my insurance paperwork with no hassle. Thank you are the best .

How does car insurance work in Hamilton?

Cars are waiting at the signal in downtown Hamilton

Getting car insurance in Hamilton is similar to any other city in the province. Car insurance in Ontario is available through private insurance companies. All drivers must carry a minimum amount of insurance coverage (liability, accident benefits) to drive legally. You can add more to your policy for additional protection against other risks.

Mandatory car insurance in Hamilton

All Hamilton drivers are legally required to carry a minimum amount of car insurance coverage. This is the base amount of mandatory coverage that all policies include:

Third party liability: You are required to have at least $200,000 in third-party liability coverage (TPL) to safeguard yourself against potential liability claims arising from an at-fault accident. This coverage can protect you from financial burdens and provide much-needed peace of mind.
Statutory accident benefits: You are eligible for medical coverage for any injuries resulting from an accident, including attendant care, rehabilitation, and lost earnings.
Uninsured motorist: Our insurance policy can provide you with protection against uninsured drivers or hit-and-runs. It is important to safeguard yourself from such incidents, and our policy can help you do that effectively.

You can increase your policy limits or add optional coverage for more protection.

Speak with our brokers about your options.

Starting from January 1, 2024, you have the option to remove a type of insurance coverage called Direct compensation property damage. If you choose to do so, your insurance premium will go down, but it also means that you will be taking on more risk if your vehicle is damaged. Our brokers are available to speak with you and provide guidance to help you decide whether removing DCPD is the right choice. We want to ensure that you fully understand your decision and that you're comfortable with it.

Optional car insurance in Hamilton

Insurance policies can be customized to meet your unique needs. You can include optional coverages to your auto policy, including:

Collision insurance: Your insurance policy provides coverage for any damages that may occur in the event of a collision with stationary objects such as trees, street signs, or any other objects present on the road. This means that if you happen to collide with any of these objects while driving accidentally, your insurance company will cover the cost of the damages caused to your vehicle.
Comprehensive insurance: Did you know that your insurance policy can protect against more than just accidents while driving? It can also cover non-driving losses such as theft and damage caused by weather conditions. This means you can have peace of mind knowing you're covered against various unexpected events.
All perils insurance: Your car is fully covered with both comprehensive and collision insurance. This means you can drive with peace of mind, knowing that any damages or losses will be handled.
Specified perils insurance: Your policy will only cover the risks that are specifically mentioned, so it's always a good idea to double-check and make sure you're fully covered.

You can also add other protection through OPCF endorsements. Some of the most popular are accident forgiveness, rental car coverage, family protection, and depreciation waiver. Adding this to your plan will increase your insurance premiums.

How do I get cheap auto insurance in Hamilton?

Rates are on the rise, but you can get cheaper auto insurance in Hamilton. Here are some tips to lower your rates:

Use an advisor: Working with an insurance expert will ensure you make good decisions about your policy. You make sure you are capitalizing on available discounts and savings.
Compare : Comparing car insurance quotes annually is the best way to ensure you are getting the lowest premium.
Use accurate info : Always provide accurate information when doing a car insurance calculation.
Consider all factors : There are many things that impact car insurance rates. Manage controllable factors. This includes the automobile you drive, how often you get quotes, and staying claims-free.
Take advantage of discounts: Are you taking advantage of all the discounts available to you? If not, you should.

Recent Hamilton auto insurance quotes

2024/07/24

Shopper in HAMILTON, ON
Vehicle: HYUNDAI SANTA FE SPORT 4DR AWD 2015
Wawanesa	$1,601
CAA Connect	$1,674
GORE	$1,694
Intact	$1,703
Savings from top 4 cheapest quotes	$102

2024/07/17

Shopper in HAMILTON, ON
Vehicle: SUBARU CROSSTREK SPORT 5DR AWD 2017
GORE	$2,265
Wawanesa	$2,723
Pembridge	$2,802
Travelers	$2,835
Savings from top 4 cheapest quotes	$570

How much does car insurance in Hamilton cost?

The average cost for car insurance in Hamilton is $2,506 per year, making it one of the 10 most expensive cities in the province. Drivers commonly pay about $700 more than the provincial average.

Here’s how different time frames break down Hamilton auto insurance premiums:

Annually: $2,506
Semi-annually: $1,253
Quarterly: $626.50
Monthly: $208.83
Weekly: $48.19
Daily: $6.87

Rates are based on ThinkInsure customer quote data for Q1 2024 (Jan 1 to March 15, 2024)

Hamilton car insurance premiums map

Average Hamitlon car insurance rate compared to other Ontario cities info graphic

Sources: *FSRAO
2023 ThinkInsure customer quote data. Drivers with a clean driving record and standard coverage

Hamilton car insurance rates from 2019-2024

Insurance rates are subject to frequent changes, influenced by various factors such as claim data, repair expenses, accidents, and other relevant considerations. Additionally, your driving history and eligibility for extra discounts can also impact costs. Insurance premiums are on the rise. As you can see, there has been an increase of about $300 annually since 2019.

Year	Average annual premium
2024	$2,506
2023	$2,364
2022	$2,121
2021	$1,993
2020	$2,176
2019	$2,183
Average rate (2019-24)	$2,224

Hamilton auto insurance premiums by driver type

The amount you pay for auto insurance is influenced by your driver classification. Factors such as your age, demographics, driver classification, and driving record play a role in determining the premiums set by insurance companies. To understand the impact of these factors on your payments, we analyzed our customer quote data. Here are our findings:

Younger drivers pay more, while older drivers pay less.
High risk is almost three times more than standard coverage.
Getting into a collision or getting a ticket can increase your costs by more than 25%.

	Premium	Monthly	Difference
Driver type
All drivers	$2,145	$179	0
Young drivers (25 and under)	$2,867	$239	33.66%
Middle age (25 - 50)	$2,224	$185	3.68%
Mature/senior drivers (50+)	$1,519	$127	-29.18%
High risk drivers	$6,008	$501	180.09%
Demographics
Male	$2,102	$175	-2.00%
Female	$2,198	$183	2.47%
Married	$1,967	$164	-8.30%
Single	$2,243	$187	4.57%
Driving record
Clean driving record	$2,145	$179	0
1 ticket with past 3 years	$2,226	$186	3.78%
1 accident in 3 years	$2,714	$226	26.53%
1 cancellation in 3 years	$2,543	$212	18.55%
1 suspension in 3 years	$2,530	$211	17.95%

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Auto insurance in Hamilton compared to local cities nearby

Hamilton drivers pay more for insurance compared to other smaller cities and towns in the region:

City	Avg premium
Hamilton	$2,068
Milton	$2,032
Cayuga	$2,001
Caledonia	$1,953
St. Catharines	$1,867
Cambridge	$1,805
Burlington	$1,801
Brantford	$1,796
Brant	$1,796
Welland	$1,780
Grimsby	$1,754

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What areas in Hamilton have the cheapest car insurance?

Your postal code will affect how much you pay for insurance. In Hamilton, the L8K postal code tends to have more affordable prices. L8R tends to be the most expensive. Here’s a breakdown:

Area in City of Hamilton	Postal Codes	Avg Premium
Confederation Park, Nashdale, East Kentley, Riverdale, Lakely, Grayside, North Stoney Creek	L8E	$2,134
Stoney Creek - Greenford, North Gershome	L8G	$2,012
West Kentley, McQuesten, Parkview, Hamilton Beach, East Industrial Sector, Normanhurst, Homeside, East Crown Point	L8H	$2,188
East Albion Falls, South Stoney Creek	L8J	$2,436
East Delta, Bartonville, Glenview, Rosedale, Lower King's Forest, Red Hill, Corman, Vincent, South Gershome	L8K	$1,893
West Industrial Sector, West Crown Point, North Stipley, North Gibson, Landsdale, Keith, North End, Beasley	L8L	$2,260
West Delta, Blakeley, South Stipley, South Gibson, St. Clair	L8M	$2,018
Stinson, Corktown	L8N	$2,419
Durand, Kirkendall, Chedoke Park	L8P	$2,097
Central, Strathcona, South Dundurn	L8R	$2,475
Westdale, Cootes Paradise, Ainslie Wood, McMaster University	L8S	$2,405
Sherwood, Huntington, Upper King's Forest, Lisgar, Berrisfield, Hampton Heights, Sunninghill	L8T	$2,162
Raleigh, Macassa, Lawfield, Thorner, Burkholme, Eastmount	L8V	$2,218
West Albion Falls, Hannon, Rymal, Trenholme, Quinndale, Templemead, Broughton, Eleanor, Randall, Rushdale, Butler, East Chappel	L8W	$2,292
Hamilton Mountain - Crerar, Bruleville, Hill Park, Inch Park, Centremount, Balfour, Greeningdon, Jerome	L9A	$1,994
Barnstown, West Chappel, Allison, Ryckmans, Mewburn, Sheldon, Falkirk, Carpenter, Kennedy, Southwest Outskirts	L9B	$2,052
Southam, Bonnington, Yeoville, Kernighan, Gourley, Rolston, Buchanan, Mohawk, Westcliffe, Gilbert, Gilkson, Gurnett, Fessenden, Mountview	L9C	$2,072
Ancaster West	L9G, L9K	$1,958
Dundas	L9H	$1,891
Waterdown	L8B	$2,018

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Hamilton car insurance premiums by vehicle brand

The type of car you drive will have a big impact on your costs. Here’s an overview of how much it costs based on your vehicle brand:

Vehicle brand	Premium	Monthly payment
Honda	$2,009	$167
Toyota	$2,878	$240
Ford	$2,200	$183
Hyundai	$2,866	$239
Kia	$1,815	$151
GMC	$1,944	$162
Chevrolet	$1,836	$153
RAM	$1,716	$143
Dodge	$1,716	$143
Mazda	$1,731	$144
Nissan	$2,346	$196
Volkswagen	$3,027	$252
Mercedes	$2,399	$200
BMW	$2,295	$191

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How can you save on auto insurance in Hamilton?

There are many things you can do to save on your auto insurance:

Combine insurance policies
Keep a claims free driving record
Install winter tires
Increase your deductible
Consider usage-based insurance
Drive a cheap car to insure
Speak with us and we'll help you find additional ways to save.

Hamilton car insurance FAQs

When should I get Hamilton car insurance quotes?

There is never a bad time to get a quote for Hamilton car insurance as rates change all the time. Always compare quotes when your policy comes up for renewal and when your coverage needs to change.

Why is car insurance so expensive in Hamilton?

Many factors will have an impact on your car insurance rates in Hamilton:

Where you live: The neighbourhood and postal code impact how much you pay.
Traffic volume in your area: High traffic volume on Highway 403, QEW and other major roads increase the risk of collisions.
Theft and fraud: Increased vehicle theft and instances of fraud in the city impact create higher costs.

Living in an urban area with a large population increases your rate. There are more cars and busier streets, and your odds of a crash or filing a claim are increased. Since it is a large urban area, insurance premiums are higher than the average.

How does living in Hamilton impact auto insurance rates?

Hamilton is a vibrant city and has growing communities around the core. A lot of cars on streets, roads and highways means, of course, a lot of driving. This can lead to accidents - including multi-vehicle accidents.

Theft, claims, medical costs and fraud are other factors that affect your auto insurance rate. More cars usually mean more incidents. All of these things go into the calculations insurance companies use to determine rates. Get a quote and see how much you could save.

Is car insurance cheaper in Hamilton than in Toronto?

Yes. Even though rates can be expensive in Hamilton, they are still more affordable than Toronto car insurance and premiums in other cities in the province.

Driving in Hamilton and auto insurance

Traffic congestion in Hamilton is the norm. The city’s parkways and Highway 403 are busy at all times of day with commuters, commercial trucks, and all other types of vehicles. Accidents commonly create delays. All these factors can have a direct impact on your car insurance bill, so drive safe.

It can be frustrating navigating through the city at times. But it's still important to stay focused. Here is some important information about transportation and attractions in the Golden Horseshoe:

Highways

403, Highway 8, 20
QEW
Lincoln M. Alexander Parkway
Red Hill Valley Parkway

Public Transit

GO Transit
Hamilton Street Railway (HSR)

Ride-Sharing

Uber
Lyft

Road Trips

Niagara Falls, Niagara Escarpment
Niagara On The Lake
St. George
Paris, ON

Parking

Street Parking
Green P
Impark
Private lots

Top Attractions

Dundurn Castle
Waterfalls of Hamilton
HMCS Haida National Historic Site
African Lion Safari
Devil's Punchbowl Conservation Area

Most Dangerous Intersections

John Street South and Main Street East
Main Street East and Wentworth Street South
Main Street East and Victoria Avenue South
Dundurn Street South and Main Street West

Airports

John C. Munro Hamilton International Airport

What are the driving conditions in Hamilton?

Hamilton, like many other cities in the province, has unpredictable weather and driving conditions. The mix of traffic, construction, accidents, and unpredictable weather keeps drivers on high alert. It can also be a recipe for expensive insurance rates if drivers are not careful. Be ready for conditions to change at a moment's notice. We'll be happy to help you get good and affordable car insurance in Hamilton. Speak with a ThinkInsure advisor today.

57 mins

Avg. Daily Commute Time

835 mm

Avg. Annual Rainfall

1,181 mm

Avg. Annual Snowfall

121

Rainy Days Per Year

Snow Days Per Year

Hamilton traffic and stats

No one likes traffic, but it's part of life in Hamilton. The mix of highways, rural roads and urban streets keeps drivers on their toes. Here is some important traffic information that can affect your car insurance rates:

The Province's 3rd Largest City : It has a population of 536,917 (2016 census). The city is the ninth-largest city in Canada and the third-largest in the province. The Hamilton CMA population is 747,515.
Commuters : There are over 200,000 daily commuters in the region. 38,000 people also commute into Hamilton from other areas.
The QEW : The city is located at the western end of Ontario's Golden Horseshoe. Hamilton's network of highways includes the Queen Elizabeth Way. It offers access to the Greater Hamilton Area's million-plus people and Highway 401. The U.S. border is an hour away.
1M People: Over 1 million people live within a 30-minute commute of it.
Accidents: The total number of collisions has increased by 4.5% annually from 2015-2019. The number of fatal and injury collisions has decreased by 7.7% on average during this time. There is one collision every 53 minutes, 1 person injured every 4.5 hours, and 1 fatality every 26 days according to the City of Hamilton 2019 Annual Collision Report.
Distractions : 16.6% of fatal and injury accidents were a result of distracted driving.
Vision Zero: The city is taking part in the Vision Zero initiative to improve traffic safety.
Multi-cultural : The most prevalent non-official language is Italian, followed by Polish, Portuguese and Spanish.
Lots Of Rural Land: 60% of the landmass is designated as rural land.

Check out the city of Hamilton website to learn more.

Hamilton driving tips

An important part of protecting yourself on the roads is having good car insurance. You never know when you could be involved in a fender bender or your vehicle could be damaged. What you can do is focus on being an attentive driver.

Uses the expressways to get through the city.
Pay attention to the large number of one-way streets.
Be on the lookout for pedestrians when driving near McMaster University.
Watch out for the worst roads:
- No.1 Burlington Street East
- No.2 Governors Road
- No.3 Barton Street East
- No.4 Main Street West
- No.5 Parkdale Avenue North
Check the traffic before planning your route.
Avoid the QEW during rush hour.

These tips will help you get to your destination quicker. Be a safer driver, keep a clean record and help you save on insurance.

Start saving on Hamilton car insurance today

Are you tired of paying too much for car insurance in Hamilton? Compare quotes and coverage from our large selection of insurance companies to find a better rate. Get a quote online or give us a call today. We help Hamilton drivers save on their auto insurance.

Get Started

Sources

* Based on the difference between the average lowest premium and the overall average premium in Hamilton for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Hamilton on ThinkInsure.ca.

*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2023.

**** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2021, to October 1, 2022.

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2024-07-25

Cheap Hamilton Car Insurance Quotes

Save $589* on Hamilton car insurance by comparing quotes to find a lower rate!

Compare Hamilton car insurance quotes from the leading providers

Get better car insurance in Hamilton

Quick facts about car insurance in Hamilton