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On average, Hamilton drivers save hundreds of dollars per year by comparing quotes with us.

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28,803 Canadians

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What our users say:

May 31
Great service
Great service
Russell Hall
May 27
Quick and easy
Quick and easy, quotes in minutes. Great customer service reps, helpful and know...
May 19
Very simple and quick
Very simple and quick
Shannah B
May 17
Customer service was great
Customer service was great
May 17
Good service and information
Good service and information
May 17
questions answered
questions answered
Aaron Ridsdale
May 16
Excellent customer seevice
Excellent customer seevice
Dave Roach
May 13
Agent listened and answered all…
Agent listened and answered all questions. She was very thorough and quick!
Ben Reginella
May 11
Simply professional and pleasant
Simply professional and pleasant Thank you 👍
Eric Ifrah
May 11
Very polite and explained themselves…
Very polite and explained themselves well
Marilyn Bergeron
May 10
Easy & Professional
Easy, fast, efficient & professional.
May 9
Great service
Great service Very pleasant to talk to
Joesph Vachon
May 8
Fast, friendly and knowledgable service.
I was still completing the online search form for new insurance when my phone ra...
Bonnie Wilson
May 6
Fast and easy
They phoned me literally within 30 seconds after my search and helped answer all...
Haley Adkins
May 5
I got the lowest rates I was looking…
I got the lowest rates I was looking for. Thank you.
Muhammed Ibrahim
May 4
Great service. Quick results .
Had a great experience with LowRates !
Amani Elasad
April 26
Very little time on hold
Very little time on hold Easy to understand Friendly Really got a great deal
April 26
My consultant Anees took me through the…
My consultant Anees took me through the whole process from my initial call, to r...
April 22
My agent was easy to understand so the…
My agent was easy to understand so the process went well.
Jeffrey Kirkham
April 20
The best deal in insurance. Don’t go it alone you need expert help. are doing what I couldn’t do…
They are doing what I couldn’t do myself. They know exactly where to go to fin...
Graham Watson
April 19
I'm retired so I try to keep my cost down
your agent was very help full
Dominic Zaccaria
April 16
Very affordable auto insurance.
Very helpful representatives and gave me good price on auto insurance. So happy ...
April 13
A great service to connect you with the best rates.
I found the person on the phone to be helpful, courteous and professional. She p...
Rod D
April 13
Quick response
Quick response Friendly people Great price. Very happy
Scott Craggs
April 13
Very nice to talk to and efficient were…
Very nice to talk to and efficient were not in a rush explained everything
Tanya Cox
April 12
Review Hitesh Shriyan
Review Tks. Courteous competent complete.
Françoise Pierre-Pierre
April 11
Amy was fantastic
Amy was fantastic, explaining, asking if we wanted extensions and suggested exte...
Dianne Waudby

How comparing Hamilton auto insurance quotes works. Hint: it’s free!


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When you find the best quote, secure your Hamilton auto insurance rate by talking to a licensed broker or agent.

Car insurance in Hamilton, Ontario.

If you’re a driver in Canada, you’re required by law to have car insurance. Provincial regulatory bodies set the rates and must approve any annual rate changes proposed by providers.

Mandatory coverage for Hamilton drivers

Each province has mandatory coverage requirements and also allows drivers to add optional coverage to their policies.

Drivers in Hamilton are subject to Ontario’s mandatory coverage requirements which include:

Optional coverage for Hamilton drivers

There are two ways that drivers in Hamilton can get more auto insurance coverage: increase their coverage limits and add more coverage. It’s common for policyholders to increase their accident and third party liability coverage limits.

For those interested in adding optional coverage are:

Drivers in Hamilton who would like even more coverage can add endorsements to their policy – some of the most common include:

Factors that determine your car insurance rates in Hamilton.

There are several factors that determine car insurance rates in Hamilton. Some of the most significant include:

Car insurance rates for Hamilton seniors.

Adults between the ages of 50 and 70 have some of the lowest car insurance rates in Hamilton because drivers in this age group tend to have a long history of being insured. In other words, insurance providers have a lot of information with which to gauge how likely the driver is to make a claim based on previous claims history.

After age 70, however, premiums begin to creep up because older drivers, statistically, are more likely to file a claim. In the event of claim, older drivers may also need longer to recover from an injury sustained in a collision. Comparison shopping for new automobile insurance in Hamilton is one of the most effective ways for drivers over 50 to manage their car insurance costs.

Car insurance rates for students in Hamilton.

Car insurance for new drivers in Hamilton is expensive. Young people pay, on average, the highest insurance premiums of any demographic (adults with driving convictions notwithstanding). For drivers who’ve been insured since the age of 16, rates start declining in the mid-twenties and typically persist until their thirtieth birthday.

Here are some ways young drivers can trim their car insurance rate in Hamilton:

While it can be challenging for new drivers to find cheap insurance in Hamilton, it’s the demographic that finds the greatest savings on

Car insurance for new immigrants in Hamilton.

Drivers who have recently immigrated to Ontario are required by law to have proper licensing and insurance. Within 60 days of arrival, they must trade-in any driver’s license secured abroad.

Happily, the provincial government does recognize licences from several countries as equivalent to an Ontario license, sparing many new immigrants you from going through Ontario’s graduated licencing system.

To help secure a lower car insurance premium, we recommend that new immigrants provide to their new car insurance provider a letter of reference from their previous insurance company acknowledging proof of previous insurance and driving history.

Car insurance for high-risk drivers in Hamilton.

Having several traffic convictions or a revoked licence places drivers in a high-risk category which means they’re considered to be at high risk of making a claim. Insurance providers willing to offer coverage will do so at a cost to the driver.

It’s very hard to find cheap auto insurance rates in Hamilton as a high-risk driver. There are insurance companies that cater to high-risk drivers, however.

Those who have been turned down by multiple insurance companies, can purchase facility insurance, a pooled fund subsidized by Canadian insurance companies to provide coverage to high-risk drivers who have no other way of obtaining insurance.

To secure coverage from the Facility Association, a high-risk driver must speak to a broker.

Front view of a car. Illustration.

See how our customers in Hamilton save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from May 30, 2023
Female, 27 years old
Lowest Rate
Average Rate
Quote from May 30, 2023
Male, 60 years old
Lowest Rate
Average Rate

How to get the cheapest car insurance in Hamilton.

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Focus on

Driving in Hamilton.

Most popular cars in Hamilton

Hamilton drivers encounter thousands of different cars on the road during their daily commutes. Most drivers choose cars provided by big name brands, which influences how they shop for their car insurance.

Popular Brands

  1. Honda
  2. Ford
  3. Mazda
  4. Chevrolet
  5. Dodge

Who shops for auto insurance in Hamilton?

According to the most recent Statistics Canada census, the metro population of Hamilton is 721,053 people, meaning there are thousands of cars on the roads inside the city as well as on the highways coming into Hamilton.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Facts and myths about Hamilton auto insurance.

Car insurance policies include so many details that it’s easy to get confused. Some common misconceptions are debunked, below.

Frequently asked questions about car insurance in Hamilton.


How much is car insurance in Hamilton?

The average car insurance rate in any single locale isn’t an accurate gauge for how much a specific driver will pay. This is because of how many details go into determining a rate. Car insurance providers consider the driver’s claims history, age, vehicle type, coverage, mileage as well as their postal code. Each detail helps them assess how likely the driver is to make a claim and the rate they receive reflects that risk level. Our online quote tool is free and the easiest way to secure affordable car insurance in Hamilton.

Which Hamilton postal code has the highest average premiums?

The Hamilton postal code region with the highest average quotes for premiums is the L8N region. This region encompasses Hamilton’s Stinson neighbourhood.

Which Hamilton postal code has the lowest average premiums?

The Hamilton postal code region with the lowest average quotes for premiums is the L8T region, located in eastern Hamilton.

How do Hamilton car insurance rates compare to other cities in Ontario?

Compared to surrounding communities, here's how Hamilton car insurance quotes compare.

  • Burlington (64% less)
  • Milton (40% less)
  • St. Catherine’s (28% less)
  • Brantford (27% less)
  • Cambridge (16% less)

The average Hamilton driver pays much more than their neighbours. But don’t sweat these numbers; postal code is only one variable among many others that car insurance companies consider when determining a rate. Claims history also plays a significant role.

Where do I get the cheapest car insurance quotes in Hamilton?

There isn’t one car insurance company that offers cheap auto insurance quotes to all Hamilton drivers. It’s a customized product. Insurance providers consider many factors when determining a rate, including those that are beyond the control of a driver (for example, an insurance provider’s loss ratios, which are influenced by the driving histories of their other customers as well as their underwriting standards).

There are, however, some factors a driver can control more and/or use to find cheap car insurance in Hamilton such as: Vehicle type, driving record, annual mileage, eligibility for discounts and the amount of coverage. Each has a significant influence on an insurance premium.

For example, buying a utilitarian car that isn’t a target for thieves and has good safety ratings can lead to a lower premium. Similarly, defensive drivers with limited mileage and a minimum amount of coverage are likely to pay less.

Applying discounts is also an effective cost management technique. Installing winter tires can result in a discount of 5-15%. Maintaining a GPA above a certain level can also lead to savings.

When comparing rates to find the cheapest auto insurance quotes in Hamilton, we recommend that drivers focus on the factors you can control, rather than those they cannot.

Since every insurance company’s tolerance for risk is a bit different, when drivers compare rates from providers from across the country, they’re likely to find one that favors their application and offers a lower premium.

Lisa Coxon Staff

About the Author

The writing team focuses on telling original stories and bringing you the latest news in the world of personal finance.

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*Represents the average saved by shoppers who obtained a Hamilton car quote on and transacted via our contact centre between January and December 2021. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by