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Hamilton, or “The Hammer” as it's affectionately known is a hub of a recent cultural explosion thanks in part to the artisan exodus from Toronto due to the high cost of living. Hamiltonians still commute back to Toronto or Niagara for work and spend a lot of time on the QEW and 403 Highways.
Hamilton is also still known as “Steeltown” due to its two steel manufacturing plants on the waterfront where you’ll find even more commuters. It’s the third-largest metropolitan area in Ontario and while there is some public transit, most commuters are still in their own personal vehicles. Hamilton is one of the most expensive cities in Ontario for car insurance.
Car insurance in Hamilton, and across Ontario is a requirement for all drivers. To operate a vehicle in Hamilton, you must have insurance. To get the best car insurance in Hamilton, it's vital to understand how it works.
Hamilton operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. In other words, you only ever deal with your own insurance company for a claim or following an accident.
Ontario auto insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.
Available Hamilton car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Hamilton auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Uninsured automobile insurance
- Direct Compensation Property Damage (DCPD)
Optional Hamilton car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.
- OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
- OPCF 27 - Ports your existing insurance to a rental car or car you borrow
- OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
- OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim
Direct compensation property damage
Emergency roadside assistance
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In less than 5 minutes, you can compare multiple insurance quotes from Hamilton's top personal auto insurers. See how much you can save on your next policy today.
236 Pritchard Rd, Hamilton, ON L8W 3P7
990 Upper Wentworth St., Hamilton, ON L9A 5E9
1508 Upper James St. Suite 226, Hamilton, ON L9B 1K3
Looking for direct car insurance companies in Hamilton? Direct insurers may be experts on car insurance policies but won’t necessarily give you the best market price possible. By providing us with a few details, we can compare auto insurance quotes from various car insurance companies in Hamilton, so you can select the cheapest available option. We’ll also connect you with a licensed insurance broker to guide you through the process of obtaining the coverage you need.
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How to get cheap car insurance in Hamilton
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Research which company provides cheap car insurance in Hamilton, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Hamilton car insurance quotes with us is free.
Stay with your current insurer
Some Hamilton car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.
Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Hamilton car insurance.
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.
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By comparing quotes from Canada's top insurance companies to find your best rate can potentially save you hundreds of dollars annually.
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Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
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