Hamilton Car Insurance: Cheap Auto Insurance Quotes

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Written by Nolan Wilson Updated on June 12, 2025 min read

Get better car insurance in Hamilton

All Hamilton drivers want to save on car insurance. However, 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.

Quick facts about car insurance in Hamilton

The average cost of car insurance in Hamilton in 2025 is $2,239 annually.
Drivers pay about $200 more per year than the provincial average. Significant traffic, collisions, and Highway driving contribute to higher rates.
Hamilton car insurance rates have remained about the same over the past year.
Postal code areas L8W and L9H typically have the cheapest rates in Hamilton.

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

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Mariann Szekeres

2025-06-20

Thank you Sohel for all your help in finding the right insurance for me, I greatly appreciate it.

Zach Barnett

2025-06-06

Excellent Experience sorting out insurance with Todd A. Very helpful and friendly Thank you !

Mike C

2025-05-30

Great service and seamless process. Todd was great!

Mike Chernikov

2025-05-29

Very polite and easy to work with. Tried many companies before this one. Got help same day. Would recommend

Bumsniff McCheeze

2025-05-29

Amazing place to go for tenants insurance...needed help quickly and didn't know how to go about it. Todd one the agents went above and beyond on help fulfill my request, was courteous, polite and knowledgeable and hooked me up with exactly what I needed to secure tenants insurance and move into my new home. Wouldn't have happened without his help and he is very much appreciated!!! As is the company itself...very affordable rates and payment options and made everything easy and seamless. Thanks again! Your rock!

garth dangerfield

2025-05-28

I have been a customer since 2022 at Thinkinsure- overall very pleased! Recently I had a bit of a problem with my policy, nothing to do with Thinkinsure - rather the insurance company that was solved, but I will say I'm grateful for Thinkinsure's help specifically a very nice woman Felicia - she took control & was extremely helpful. Thank you Felicia

Clare Wanzama

2025-05-22

I can't recommend Sohel enough! He went above and beyond to help me get car insurance despite my challenging driving history. He was professional, patient, and truly dedicated to finding the best possible coverage for my situation. I felt supported every step of the way, and he made a stressful process so much easier. If you need someone who genuinely cares and will work hard for you, Sohel is your guy. Thank you for everything!

K Stephens

2025-05-13

The service Betsy Bannon provided was exceptional. Her prompt responses and detailed options easily convinced us to move our business from elsewhere to ThinkInsure.

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 coverage and increase limits 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: This insurance policy can protect you 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 can 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 and are comfortable with your decision.

Optional car insurance in Hamilton

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

Collision insurance: Your insurance policy covers any damages that may occur in the event of a collision with stationary objects such as trees, street signs, or any other objects 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 damage 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 specifically mentioned, so it's always a good idea to double-check and ensure 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.

Expert car insurance advice for Hamilton drivers

It's surprising how much insurance costs and coverage can vary between providers. Comparing quotes from multiple insurers is crucial to secure optimal insurance at the best possible price. As a broker, I streamline this process by efficiently evaluating your options from multiple providers.

Felicia Owoyemi

Insurance Broker (RIBO)

Ready to save on your Hamilton auto coverage?

Monday-Friday: 8am-6pm
Saturday: 9am-5pm

How do I get cheap auto insurance in Hamilton?

Rates are rising, 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 and capitalize on available discounts and savings.
Compare : Comparing car insurance quotes annually is the best way to ensure you get the lowest premium.
Use accurate info : Always provide accurate information when calculating car insurance.
Consider all factors : Many things 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

2025/07/10

Car insurance shopper in HAMILTON, ON
Vehicle: TESLA MODEL Y 75D LONG RANGE 4DR AWD 2025
SGI Canada	$2,065
Aviva Journey	$2,936
CAA Connect	$3,186
CAA My Pace	$3,259
Savings from top 4 cheapest quotes	$1,194

2025/07/10

Car insurance shopper in HAMILTON, ON
Vehicle: KIA SELTOS LX 4DR 2WD 2021
Aviva Journey	$1,805
Intact	$1,898
Aviva	$2,004
CAA My Pace	$2,129
Savings from top 4 cheapest quotes	$324

How much does car insurance in Hamilton cost?

The average cost for car insurance in Hamilton is $2,239 per year, making it one of the most expensive cities in the province. Drivers commonly pay about $200 more than the provincial average.

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

Annually: $2,239
Semi-annually: $1,119.50
Quarterly: $559.75
Monthly: $186.58
Weekly: $43.06
Daily: $6.13

Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 31, 2025)

Hamilton car insurance premiums map

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

Sources: *
FSRAO

Hamilton car insurance rates from 2019-2025

Insurance rates are subject to frequent changes, influenced by various factors such as claim data, repair expenses, accidents, and other relevant considerations. 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 $200 annually since 2019.

Year	Average annual premium
2025	$2,239
2024	$2,308
2023	$2,364
2022	$2,121
2021	$1,993
2020	$2,176
2019	$2,183
Average rate (2019-25)	$2,198

Hamilton auto insurance premiums by driver type

Your driver classification influences the amount you pay for auto insurance. 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	$2,239	$187
Young drivers (25 and under)	$3,162	$264	41.22%
Middle age (25 - 50)	$2,443	$204	9.11%
Mature/senior drivers (50+)	$1,608	$134	-28.18%
High risk drivers	$7,538	$628	236.67%
Demographics
Male	$2,268	$189	1.30%
Female	$2,167	$181	-3.22%
Married	$2,146	$179	-4.15%
Single	$2,312	$193	3.26%
Driving record
Clean driving record	$2,239	$187
1 ticket with past 3 years	$2,794	$233	24.79%
1 accident in 3 years	$2,992	$249	33.63%
1 cancellation in 3 years	$3,124	$260	39.53%
1 suspension in 3 years	$2,588	$216	15.59%

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Multi-car insurance plans save Hamilton drivers money

If your household has multiple vehicles, you can save more by bundling them under one policy. Hamilton drivers can save close to $400 per vehicle.

	Average rate	Average rate per vehicle	Total savings	Savings per vehicle
1 car	$2,239	$2,239
2 cars	$2,900	$1,450	$789	$395

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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 Golden Horseshoe and surrounding region:

City	Avg premium
Hamilton	$2,239
Milton	$2,223
Cayuga	$1,241
Caledonia	$1,782
St. Catharines	$1,829
Cambridge	$2,035
Burlington	$1,761
Brantford	$1,899
Brant	$1,937
Welland	$1,757
Grimsby	$1,640

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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	$2,220
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	$2,512
West Industrial Sector, West Crown Point, North Stipley, North Gibson, Landsdale, Keith, North End, Beasley	L8L	$1,996
West Delta, Blakeley, South Stipley, South Gibson, St. Clair	L8M	$2,806
Stinson, Corktown	L8N	$1,978
Durand, Kirkendall, Chedoke Park	L8P	$2,778
Central, Strathcona, South Dundurn	L8R	$2,066
Westdale, Cootes Paradise, Ainslie Wood, McMaster University	L8S	$2,405
Sherwood, Huntington, Upper King's Forest, Lisgar, Berrisfield, Hampton Heights, Sunninghill	L8T	$2,438
Raleigh, Macassa, Lawfield, Thorner, Burkholme, Eastmount	L8V	$2,063
West Albion Falls, Hannon, Rymal, Trenholme, Quinndale, Templemead, Broughton, Eleanor, Randall, Rushdale, Butler, East Chappel	L8W	$1,813
Hamilton Mountain - Crerar, Bruleville, Hill Park, Inch Park, Centremount, Balfour, Greeningdon, Jerome	L9A	$2,361
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	$2,407
Ancaster West	L9G, L9K	$1,958
Dundas	L9H	$1,891
Waterdown	L8B	$2,018

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ThinkInsure tip : Choose an insurance-friendly vehicle to keep costs down

The make and model of the vehicle you drive could significantly impact your premiums. For example, luxury vehicles and cars on the most stolen list can increase your rates by hundreds of dollars annually.

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	$2,239	$187
Honda	$2,167	$181
Toyota	$2,339	$195
Ford	$1,685	$140
Hyundai	$2,530	$211
Kia	$2,034	$170
GMC	$1,944	$162
Chevrolet	$1,452	$121
RAM	$1,743	$145
Dodge	$1,743	$145
Mazda	$1,731	$144
Nissan	$1,80	$150
Volkswagen	$2,607	$217
Mercedes	$2,196	$183
BMW	$2,295	$191
Tesla	$3,091	$258

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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 constantly. Always compare quotes when your policy is up for renewal or 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 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 with 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 these things go into insurance companies' calculations to determine rates. Get a quote and see how much you could save.

Is car insurance cheaper in Hamilton than in Toronto?

Yes, but not by much. 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. As of Q1 2025, the rates in Hamilton are $2,239 and $2,246 in Toronto, based on our customer quote data.

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 directly impact your car insurance bill, so drive safely.

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?

Like many other cities in the province, Hamilton has unpredictable weather and driving conditions. Traffic, construction, accidents, and unpredictable weather keep drivers on high alert. If drivers are not careful, this can also lead to expensive insurance rates. Be ready for conditions to change at a moment's notice. We'll gladly 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 Third Largest City: Its population was 729,560 (2021 census), making it the ninth-largest city in Canada and the third-largest in the province.
Commuters: The region has over 200,000 daily commuters, and 40,000 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.
The worst roads: CBC reported that for the third year in a row, Hamilton was voted to have Ontario’s worst roads.
Accidents: The city averages 8,180 per year. 2022 had 8,087. Collisions in 2022 increased by 18.7% over 2021, according to the City of Hamilton 2019 Annual Collision Report.
Distractions : 19.4% of fatal and injury accidents were a result of distracted driving.
Vision Zero: The city participates in the Vision Zero initiative to improve traffic safety.
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

Good car insurance is an important part of protecting yourself on the roads. 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.

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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, 2025, 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 January 1, 2025, to March 31, 2025.

Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

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2025-06-22

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