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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 16, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 16, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Chatham

  • Chatham car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Chatham for a driver with comprehensive/collision coverage and a clean record is around $1,412.
  • Comparing Chatham auto insurance quotes with MyChoice can save you up to $1,002 annually.

The Best Car Insurance Brokerages in Chatham

Car insurance brokers answer questions and compare policies to help you find the best deals. Here are some brokerages in Chatham that you can contact for auto insurance assistance:

BrokerageAddressPhone Number
BrokerLink380 Queen St #1, Chatham
ON N7M 2H6, Canada
+15193545115
Advanced Insurance Brokers Inc.825 Park Ave W, Chatham-Kent
ON N7M 0N1, Canada
+15193979333
Programmed Insurance Brokers Inc.311 St Clair St, Chatham
ON N7L 3J8, Canada
+15193521550

Most Expensive Postal Codes in Chatham

The average annual car insurance premium in Chatham is $1,412, less than Ontario’s average of $1,673/year.

Postal CodeAverage Annual Car Insurance Premium
N7L$1,455

Least Expensive Postal Codes in Chatham

Meanwhile, the postal code N7M has a lower insurance rate than the city average. Here’s a look at the cheapest area for auto insurance in Chatham:

Postal CodeAverage Annual Car Insurance Premium
N7M$1,381

Car Insurance Cost in Chatham by Age

Age impacts your premiums because it’s part of the insurer’s risk calculations. Young drivers pay more because they’re inexperienced, while older drivers pay more because they’re more likely to be harmed in an accident. 

Here’s a look at how age influences your insurance premiums:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$5,041$1,003
21-24$2,880$573
25-34$1,920$382
35-44$1,412$281
45-54$1,158$230
55-64$984$196
65+$1,122$223

Car Insurance Cost in Chatham by Driving History

Insurers use your driving history to measure accident risk. Drivers with many violations on their record get higher rates because they’re more likely to re-offend, while safe drivers with clean records get lower rates because their accident risk is lower.

Driving violations and demerits in Ontario “reset” after two years, but insurers may check your record as far back as 10 years when measuring your accident risk.

Here’s how different violations impact your car insurance premiums:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,412
Insurance cancellation due to non-payment$2,316
Licence suspension for alcohol-related offences$1,694
One accident$3,106
Speeding ticket$1,836

Driving in Chatham

Chatham is widely known as the classic car capital of Canada, thanks to its long history in automotive manufacturing. The city has strong ties to the Black community, with many escaping to this city from the US. 

With its rich cultural heritage and beautiful lakeside views, Chatham is a great place to live. But is it a great place to drive in? Check out the key facts about driving in Chatham:

  • Major highways in Chatham: 401
  • Public transit options: CK Transit (bus), Via Rail (train)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Chatham, private lots
  • Top tourist attractions: Kingston Park, Chatham Capitol Theatre, Thames Art Gallery, The Chatham-Kent Black Historical Society & Black Mecca Museum, C.M. Wilson Conservation Area
  • Busy intersections: McNaughton Avenue and St. Clair Street, Queen’s Line and Martin Road
  • Airports: Chatham-Kent Municipal Airport

Main Mode of Commuting in Chatham

Chatham is widely known for its strong car culture, so it stands to reason that most of its commuters prefer personal vehicles. 93% of the city’s commuters take their car to work, whether they’re driving or riding. Public transit is the least-popular method of travel, with just 160 people preferring it. Check the table below to learn more about how Chatham’s residents commute:

Main mode of commutingCountsRates
Total – 25% Sample Size36,460100.0
Car, truck or van33,91093.0%
Car, truck or van – as a driver31,14585.4%
Car, truck or van – as a passenger2,7607.6%
Public transit1600.4%
Walked1,5454.2%
Bicycle2900.8%
Other method5601.5%

Commuting Duration in Chatham

Despite its commuters’ clear preference for cars, commuting in Chatham is reasonably quick. Around 75% of its commuters spend under 30 minutes on the road, while people who spend over an hour travelling to work are rare at only 5%. Here’s a look at the commuting duration in Chatham:

Commuting durationCountsRates
Total – 25% Sample Size36,460100.0
Less than 15 minutes17,78048.8%
15 to 29 minutes9,73526.7%
30 to 44 minutes5,27014.5%
45 to 59 minutes1,7954.9%
60 minutes and over1,8855.2%

Driving Conditions in Chatham

Snow and rain affect auto insurance rates because they impact your driving risk. Here’s an overview of driving conditions in Chatham:

  • Average daily commute time: 38 minutes round trip
  • Average annual rainfall: 54.1 mm
  • Average annual snowfall: 30.9 mm
  • Rainy days per year: 155 days
  • Rainiest month in Chatham: May
  • Driest months in Chatham: January, February
  • Snow days per year: 57 days

Snowfall months in Chatham: October – May

Traffic in Chatham

Chatham is a small town of around 100,000 people, so traffic is relatively light. However, it’s still a good idea to know the key traffic stats so you can manage driving risk. 

Here’s a quick look at the traffic in Chatham:

  • Population: 104,316 people live within Chatham’s city limits.
  • City area: Chatham’s city area spans 2,457.90 km2.
  • Time spent in traffic annually: The average Chatham resident spends 38 minutes in traffic daily, totalling roughly 231 hours per year.
  • Busiest highways: Chatham sits just off Highway 401, North America’s busiest highway that sees 500,000 vehicles pass through it daily.

The Most Common Questions About Car Insurance in Chatham

How much does Chatham car insurance cost?

The average car insurance cost in Chatham is $1,412/year.

Is car insurance cheaper in Chatham than in London?

Chatham’s annual car insurance rate is cheaper than London’s by over $200.

How can you get cheaper auto insurance in Chatham?

Compare car insurance rates in Chatham with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Chatham, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Chatham, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Chatham, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Chatham, Car Insurance Quotes Collected, 2024.

5. City of Chatham Website, Driving & Transit Information. Data Collected, 2024.

6. Statistics Canada, 2021, Census of Population, Ontario, Chatham, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, Chatham, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, Chatham.

9. 511 Ontario Traveller Information, Ontario, Chatham.

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