Compare Hamilton car insurance quotes online for free. Find your best price in minutes.

Compare Hamilton car insurance rates and save more than 27%.*

Get quotes from 50+ Canadian providers in 3 minutes.

Get quotes from 50+ Canadian providers in 3 minutes.

Compare Hamilton car insurance quotes from top auto insurance providers.

25,022 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
July 13
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

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


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


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 February 20, 2024
Male, 19 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Male, 83 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Male, 83 years old
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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.

Read More

Auto insurance news

Read More Like This


*Represents the average saved by shoppers who obtained a Hamilton auto insurance quote on and transacted via our contact centre between January and December 2022. 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