Are you looking for Hamilton Car Insurance? Ontario auto insurance rates have ranked amongst the highest in all of Canada. Hamilton is seeing a resurgence as a great place to live and work. The downtown core is home to many excellent restaurants, nightlife, and colleges. As the population continues to grow and more jobs are popping up around the city, more people are driving in and from Hamilton. Since there are more drivers on the road, insurance rates will likely increase year after year, which is why you need to work with us to ensure you have the insurance rates in the city.

It’s the law for Hamilton drivers to have car insurance. These policies must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits. However, many Hamilton drivers choose to add additional coverage to their plans as well for optimal coverage.


This refers to the minimum coverage required by law in order to drive a car. This law protects you, your family and others on the road. Mandatory types of coverage in Hamilton include:

Liability This policy will help pay for other drivers’ property and bodily injuries if you are at-fault in an accident. It may also help cover any legal fees you may incur as a result of an accident.
Accident Benefits Coverage If you or the other individuals involved in the accident require medical or rehabilitative attention following the accident, this coverage will reimburse the expense. Both passengers and pedestrians will be covered.
Direct Compensation Property Damage (DCPD) This coverage will compensate you if you are injured or your car is damaged in an accident where you are not at-fault. You’ll deal directly with your insurance provider to receive compensation following your claim.
Uninsured Automobile Coverage Car insurance is mandatory in Canada, yet irresponsible drivers will sometimes get behind the wheel without it. This type of coverage protects you and any of your passengers if you are involved in an accident with a driver who is at-fault and is uninsured or does not have enough coverage.


At isure insurance, We provide auto insurance rates that will suit your needs. Our promise to you is to provide knowledgeable and transparent insurance expertise when you call us or get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain the insurance you can count on. As Ontario’s leading car insurance broker, our auto insurance rates in Hamilton can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations. When it comes to auto insurance in Hamilton, you are in the driver’s seat with isure insurance riding along with you!


You have successfully passed your Ontario driving test and you’re ready to hit the road with your brand new license. All you need now is an auto insurance plan that suits you and how you want to drive. It may feel like a daunting task at first as there are so many companies to choose from, with some offering lower prices for coverage than others. Some insurance companies might also offer competitive rates, but how do you know you are getting a quality product from a reputable source?

Look no further, because isure can get you the quote you need from companies you can trust. Working with a suite of quality insurers, isure will do the work of gathering quotes from each company to find the lowest cost for the plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants will find you the best choice, and will only recommend moving you to another insurer if it works for you. Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.


isure hires only the best and most reputable Hamilton insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:

We Fully Understand the Market

isure has been the top insurance choice for Ontarions since 2006. We are also one of Canada’s most progressive, reputable insurance brokers with real people that live for insurance! We’re committed to helping Hamilton citizens access the best insurance coverage available.

Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Hamilton citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates, and more.

We are Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.

Access to the Best Insurance Providers

We have access to all of the best, well-respected insurance providers in all of Canada for you!

We Work, You Save

You can save hundreds of dollars on insurance when you work with our Hamilton insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.

We Have Coverage For All Your Insurance Needs

Our insurance brokers get Hamilton residents quotes for home, commercial, auto, life, travel, and more.


If you live in Hamilton, there are several reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:

Allows you to save more money: Insurance brokers are the top solution if you want to lower your insurance rate and save money. Our Hamilton insurance brokers have access to several insurance providers, premiums, and coverage types. They will help you find the most affordable quotes based on your information.

Quotes that are easy to follow: If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Hamilton insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!

Our licenced insurance professionals always provide valuable information: Navigating insurance can be extremely difficult if you have little experience. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all the essential guidance to make the right insurance decisions.

Optional Car Insurance 

Are you looking for car insurance in Hamilton? Some coverage types are mandatory while others are not. Our brokers at isure will discuss the types of auto insurance coverage you need and the types you can consider if you require additional protection.

Optional car insurance types in Hamilton include:

1. Collision insurance

Provides coverage if your vehicle is damaged in a crash, either with another vehicle or a stationary object like a tree.  

2. Comprehensive coverage

Protects against losses a driver may incur due to events unrelated to driving, like theft, vandalism, environmental damage from floods or damage from an attempted burglary. 

3. Emergency Roadside Assistance

Coverage will be provided for roadside emergencies, like dead batteries, flat tires, towing or an empty gas tank. 

4. Specified Perils

Coverage will be provided for any financial losses from specific risks named in your policy. Risks may include fire, theft, explosions, or damage from hail and lightning.

5. All Perils

This type of coverage combines both collision and comprehensive, and includes additional protection if a member of your household, say, steals your vehicle. 

Our brokers will also discuss Optional Policy Change Forms, which refer to coverage enhancements, and drivers in Hamilton can consider the following:



OPCF 20: This would cover the fee of a rental car while yours is being repaired or replaced.


OPCF 27: This can transfer your existing insurance to a rental car or a vehicle you borrow.


OPCF 39: This would provide you with forgiveness from your insurer for your first accident claim, preventing your insurance rate from being impacted.


OPCF 43: This will remove depreciation in calculating the value of your car when you settle a claim.


OPCF 49: This gives you the ability to opt out of Direct Compensation Property Damage (DCPD) Premiums.


OPCF 28A: This will intentionally remove specific high-risk drivers in your household from receiving your coverage to help lower premiums


OPCF 44R: This protects you in the event where you’re dealing with an at-fault uninsured or inadequately insured driver.

OPCF 16 & 17

OPCF 16 & 17: These two forms allow you to suspend your car insurance coverage and then reninstate it when you need it.


Car insurance rates will vary from one driver to another. However, the average cost for auto insurance in Hamilton is about $1,700 per year. It is one of the most expensive cities in the province of Ontario, and drivers in Hamilton will pay more for car insurance. We will assess information specific to you and your driving record and will pass on any savings we can. We will consider a number of factors when calculating your car insurance rate in Hamilton, including your age, your postal code, your driving record, and the make and model of your vehicle. We understand the importance of savings on car insurance, and even though car insurance rates in Hamilton are some of the highest in the province, we will do everything we can to provide you with the lowest rates possible.


  • Always check for traffic before you settle on a specific route.
  • Avoid the QEW during rush hour, as you will get stuck in traffic. 
  • Pay attention to pedestrians when driving near McMaster University.
  • Pay attention to one-way streets. There are quite a few in the city of Hamilton, and staying alert will ensure you do not turn on the wrong street. 
  • Be mindful of some of the more difficult roads in Hamilton. These include Burlington Street East, Governors Road, Barton Street East, Main Street West and Parkdale Avenue North. 


We understand that there are a lot of options when it comes to Hamilton auto insurance. However, sometimes getting a quote from a company can feel like an obligation rather than what it’s supposed to be: information to help you make an informed decision. This is one of the most significant reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Our advice is independent of the companies and professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).

When selecting your broker, isure stands out for a reason. Look at the chart below to see what makes isure a broker of choice.

We stand by our isure pledge to ensure you receive the care you deserve because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.

When you choose isure, you are choosing the broker that puts you first. See why more people place their trust in isure every day and talk with one of our dedicated insurance professionals today.

About Hamilton Auto Insurance

What Factors Affect Hamilton Auto Insurance Rates?

Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft, and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.

Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.

Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.

Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record.

How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.

Your Postal Code: The more populated, urban areas in Hamilton often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

Why is car insurance so expensive in Hamilton?

The traffic volume in your area and the likelihood of theft and fraud are just some of the factors that will influence your car insurance rates in Hamilton. As traffic volume is so high on Highway 403, the QEW and other major roads, insurance rates are higher because there is a greater likelihood of accidents. Increased vehicle theft and fraud will also lead to higher costs, and your neighbourhood and postal code will also impact your insurance rate. 

Which areas in Hamilton have the cheapest auto insurance rates?

Those who live in the Ancaster, Dundas, or Westdale areas will receive more affordable auto insurance rates. These neighbourhoods are in more affluent areas with a lower amount of daily traffic. Those who live in Stinson or the L8N postal code area will pay higher rates due to the heavy traffic along Main Street and King Street, as well as higher crime rates with low-income housing and rehab clinics. This area is more susceptible to a car theft and has even had prominent articles in the news related to this problem. For these reasons, insurance rates are a little higher with the risk of more car theft, accidents, or simply wear-and-tear within traffic-heavy areas. 

How will living in Hamilton affect my car insurance rates?

Hamilton is an urban area, and this vibrant city has many growing communities, which means more cars on roads, highways, and streets. This increases the odds of car accidents, which plays a role in the rates you receive. Factors considered include theft, insurance claims, fraud and medical costs when calculating rates. Regardless of where you live, we will always provide you with the best possible rates. 

Is there anything I can do to save money on Auto Insurance in Hamilton?

Maintaining a clean driving record and bundling insurance policies will save you money, as will the installation of winter tires. Increasing your deductible is another option you can consider. We can discuss this information in greater detail to help lower your rate when you give us a call! 

How does car insurance work in Hamilton?

This aspect is no different from other cities in the province, and all drivers in Hamilton must have a stated minimum amount of insurance coverage to drive legally. You can choose to add more to your policy if you require additional protection. 

Is car insurance cheaper in Hamilton than it is in Toronto?

Yes. Even though auto insurance rates in Hamilton tend to be on the higher side, they are still cheaper when compared to the rates in Toronto and some other cities in the province.  

Hamilton Collision Reporting and Claims Process

Car accidents happen for a number of reasons: bad weather conditions, distracted driving, faulty vehicles, and sometimes, poor signage. No matter the reason, there is always a protocol to follow after an accident. This is isure’s four-step plan following an accident in Hamilton: 

1. Make sure no one is injured

Car accidents vary in severity, and you won’t be able to tell the level of injury without an inquiry. Your first priority is making sure no one is hurt. If any party is injured, call medical services immediately. You can proceed with other steps only after making sure everyone else is safe. 


2. Photograph and document

Taking pictures while still on scene is a way to accurately document for both the insurance company and the collision center. There are four main things to document with photos and in writing: 

  • The damage 

Take as many pictures of the damage on-scene as possible. This provides an illustration of the events and the aftermath of how they unfolded. This can also document what damage there is as a direct result of the accident. 

  • Licence 

Take note of the other person’s driver’s licence information. You need their licence number, name and address. You can also exchange contact information to keep in contact with regards to insurance proceedings and any other issues. 

  • Insurance 

Take a photo or jot down the information of the other driver’s insurance details. You will want to get their policy number in case you can’t reach them in other ways.  

  • The conditions 

Make note of all the collision conditions. Were the roads wet? Where did the accident take place, and at what time? Each of these pieces of information can help piece together information for both insurances, as well as city authorities. 

3. Report over $2,000 to police

Not all damages need to be reported to the police the same way they need to be to the collision center. With that being said, any damages over $2,000 combined must be reported to authorities within the 24-hour window following the accident. Failure to do so could result in large fines and other serious repercussions. 

4. Report to collision center

Your third step is to call a friend or taxi to take you to the collision center and a tow truck for your vehicle. You must report to the collision center so damage can be properly documented for records and insurance. You should refrain from driving your car after it has been hit; even in cases where you think the vehicle is fine, you may still be risking your own life and the lives of others if you continue to drive. In Hamilton, there are two different collision reporting centers: 

Hamilton East 


Telephone: 905-560-0510 

Fax: 905-560-0509 

Email: [email protected] 

Hours: Monday – Friday 10 AM – 6 PM 

Hamilton Mountain 

400 Rymal Road East, HAMILTON – MOUNTAIN, L9B 1C2 

Tel: (905) 385-2426 

Fax: (905) 385-2567 

Hours: Monday to Friday: 8:00 AM to 6:00 PM, Saturday & Sunday: 10:00 AM to 6:00 PM 

What does insurance cover? 

Following the process, you will be given funds from your insurer, if required. The funds you receive can cover repairs or reimbursements, rentals, tow trucks, taxis, and other costs. The exact coverage you receive depends on your policy and if you were deemed at fault. 


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