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Based on 312 reviews
May 12
Meghan Ford helped me and she was…
Meghan Ford helped me and she was amazing. I saved $160/month between home and a...
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 7
I was looking for the cheapest…
I was looking for the cheapest insurance I can find and Imad helped me so much. ...
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May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
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May 6
I got a hassle-free quick quote from…
I got a hassle-free quick quote from good insurance companies. This site is very...
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
Imad was extremely helpful and patient…
Imad was extremely helpful and patient with all our requests. He listened to our...
Guy St-Pierre
May 5
He was so amazing
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Shahin Abbaskhan
May 4
Thanks for your help
Though unable to match my current insurance providers quote, Sonia handled my in...
Kent Warnock
April 29
Very accommodating and explained the…
Very accommodating and explained the pros and cons of insurance clearly..
April 27
Excellent Service
Ryan was over and beyond helpful and very detailed on getting me the best insura...
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April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
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April 22
Wonderful experience!!!
My call started off with simple inquiries about the quote i recieved. I spoke wi...
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April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
April 16
Chelsea was very helpful and a pleasant…
Chelsea was very helpful and a pleasant person to deal with.
Keith Tarala
April 16
simple quick and easy
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tony palumbo
April 16
Happy Friday!!
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April 14
Excellent service
Excellent service. Thanks Chelsea
Nishanthan Ganeshan
April 11
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Terry L
April 9
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Knowledgeable and communicated thoroughly.
April 8
Very helpful
Very helpful Thank you
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April 8
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Thomas Cowan

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We can help you find cheap car insurance in Hamilton.

Being a driver in Hamilton is expensive. Many Hamiltonians commute for work and trips to the gas station add up fast.

Factor in your car insurance bill and you’re putting hundreds of dollars a month towards your car.

We can't help with your gas bill, but the good news is that you’re not stuck with your car insurance costs.

We help Hamilton drivers save hundreds of dollars a year on their car insurance.

How? By comparing the auto insurance market for them.

We can show you quotes for a better car insurance policy from multiple insurance companies serving Hamilton. It’s free, no-obligation, and takes just 3 minutes.

Once you find a cheaper car insurance rate, we'll also connect you with the Hamilton car insurance broker that can secure your new rate.

To get started, just enter your postal code.

Driving in Hamilton can be challenging, especially with the thousands of drivers that regularly commute to the waterfront where the steel plants are located. But no matter where Hamiltonians work, they can find affordable car insurance rates at

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from May 15, 2021
Male, 18 years old
Lowest Rate
Average Rate
Quote from May 14, 2021
Male, 23 years old
Lowest Rate
Average Rate

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

What can I do to get cheap 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.

Your questions about car insurance in Hamilton, answered.


How much is car insurance in Hamilton?

Looking to find the average cost of car insurance in Hamilton? You shouldn't use the average rate to estimate your car insurance premium; it isn't an accurate gauge as to how much you’ll end up paying. Your personal details — your driving and insurance history, your age, the type of car you’re insuring, the amount of coverage you buy, the amount you drive each day, and even your gender — will factor into the quote you receive.

Many people end up on because they’re searching for an estimate for car insurance in Hamilton, or are looking for a calculator for Hamilton car insurance. The best way to get an accurate idea of how much you’ll pay is to apply for a quote. It’s free and no-obligation. Your quotes will reflect what car insurance companies are willing to charge you.

Shopping the insurance market before you lock in a policy can go a long way towards helping you find affordable car insurance in Hamilton.

Which Hamilton postal code has the highest average premium?

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 premium?

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?

We benchmarked Hamilton's rates to the average rates of its surrounding communities. Here's how they 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 do. But don’t sweat these numbers. Where you live is only one variable among many others that car insurance companies consider.

Your personal driving habits factor into the equation in a major way.

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.

Car insurance is a highly customized product. Some factors that insurance companies consider are out of your control (such as the company’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 you can control and using them to your advantage will help you find cheap car insurance in Hamilton.

Factors that are under your control include the type of car you drive, your driving record, the amount of kilometres you drive each year, your eligibility for discounts, and the amount of coverage you decide to buy.

In general, buying a utilitarian car that isn’t a target for thieves and has good safety ratings will bring down your rate, as will being a defensive driver, limiting your mileage, and opting for a basic car insurance policy.

You can drive down your rates a bit further by making yourself eligible for more discounts. For example, installing winter tires, or even maintaining a GPA above a certain level if you’re in school.

When comparing rates, we recommend focusing on the factors you can control, rather than what you can’t — but that’s only the first part of our strategy for finding the cheapest auto insurance quotes in Hamilton.

The next step involves comparing car insurance quotes in advance of your policy renewal date. Since every insurance company’s tolerance for risk is a bit different, it’s highly likely that one may favour you more than your current auto insurance company. Once you compare quotes, you may be Hamilton by the variation in prices. We can help you find a car insurance company serving Hamilton that can offer you a lower rate.

What factors determine my car insurance in Hamilton?

There are a number of factors that determine your car insurance rates in Hamilton. Here’s are some to consider:

Your mileage: How much you drive every day is another major contributor to what you’ll pay in auto insurance rates. Someone driving 30-45 minutes to and from work each day will pay more in car insurance than someone who only uses their car to run errands.

Your postal code: Insurance companies determine your rates partially based on the postal code you live in. If your area generally has a higher concentration of claims, you may find yourself paying higher rates than people living in the next postal code over.

Your driving record: Your driving history is another factor that will weigh heavily on how much you pay for car insurance. Someone with an accident or multiple tickets on their record will pay more for insurance than someone with a clean record because they’ll be deemed higher risk.

Your age: Like it or not, the younger you are, the more you’ll pay in car insurance (until you’re about 30). This is because you’re considered a high-risk driver until you’ve built up a driving history that demonstrates the opposite. There isn’t much you can do about it, but at least you’re not alone. Young people across Hamilton, and the rest of Canada, face higher auto insurance rates compared to the more experienced drivers they share the road with.

Your policy: How much you pay in auto insurance is impacted by how much auto insurance you buy. There are a number of different policies to choose from in Calgary, but everyone in Canada is required to have at least a basic level of car insurance. Keep reading to find out what your policy options are.

Car insurance in Hamilton for students

Car insurance for new drivers in Hamilton is costly. 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 you can trim the price of your car insurance rate in Hamilton:

  • Avoid getting your own car, if you can. Instead, opt to get listed as the secondary driver of your parents’ car. Insurance for secondary drivers costs less than it does for the primary driver.
  • If you’re in school (high school or post-secondary), insurance companies offer discounts to students who maintain a certain GPA.
  • Take a driver’s education course and make sure you get a certificate of completion. Showing that to an insurance company will lower your rate.

It can be challenging for new drivers to find cheap insurance in Hamilton. However, we’ve found that the demographic that finds the largest savings on are young drivers — the more you’re expected to pay, the more dramatic the savings you find when you compare Hamilton car insurance quotes.

Car insurance in Hamilton for seniors

Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Hamilton. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider of your auto insurance. After age 70, though, you might see your rate begin to creep up because people in your age group are, statistically, more likely to need to file a claim and need longer to recover from an injury. If you do see your rates begin to climb, it may be time to shop around for new automobile insurance in Hamilton.

Car insurance in Hamilton for high-risk drivers

Having several traffic convictions will put you in the high-risk category with most insurance companies. If you’ve ever had your licence revoked, you are pushed further into the high-risk category. Being high-risk means that insurance companies think that the likelihood of you needing to file a claim. Since insurance companies are betting that they will need to provide you financial assistance, they will charge you more. 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. If you’ve been turned down by multiple insurance companies, you 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. provides quotes from the Facility Association.

Regardless of your circumstances, can help you find a Hamilton auto insurance company that can provide you coverage.

Car insurance in Hamilton for new immigrants

If you’ve recently immigrated to Ontario, you cannot drive without proper licencing and insurance.

You must trade-in your licence from the country you’ve emigrated from within 60 days for an Ontario driver’s license. The provincial government recognizes licences from several countries as equivalent to an Ontario license, which makes your transition smoother and spares you from going through Ontario’s graduated licencing system. Ask your old insurance company to provide a reference to your new Ontario insurer. This will go a long way to nab you a lower car insurance rate and you’ll have a better chance at securing a lower car insurance rate because you have proof of your insurance and driving history.

More tips to save on auto insurance in Hamilton

​1. Keeping your driving record free of any traffic tickets (parking tickets don’t count) is essential to keeping your car insurance premiums down. Hamilton isn’t an easy city to navigate by car. Hamilton drivers frequently travel on the expressways or on the 403 highway, so they can avoid driving through the roads in town. Here are three things to watch out for when driving around town:

  • Hamilton has 13 red light cameras that are used to improve road safety and increase driver awareness. 
  • Hamilton is filled with busy two-way streets, whereas the lower city is dotted with many one-way streets.
  • The downtown core near Jackson Square Mall at Gore Park is very pedestrian-friendly even though that area is an important driving route in the centre of town. 

2. Consider joining a telematics program, which is when you grant your car insurance company permission to monitor your driving (i.e., how fast you drive, how hard you brake, etc.). Good drivers can be rewarded with discounts of up to 25% at renewal. 

3. Install winter tires. Hamilton gets snowy. Not only will snow tires help keep you safe, most insurers will give you a discount of about 5% for taking precautions. 

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