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About Car Insurance in Hamilton

Driving in Hamilton can often be overlooked as many of its inhabitants commute to neighboring areas for work which ultimately determines car insurance rates for Hamiltonians. That being said Hamilton is still the third largest metropolitan area in Ontario and the city is split into two main cores, upper and lower respectively.

Not everyone commutes for work and as a result downtown Hamilton has seen a resurgence in recent years; this is quite evident if you take a stroll down beautiful King Street East or even the contrasting local art galleries instead. So whether you commute for work or are indeed a city slicker you can compare insurance quotes right here at, My Choice.

*Actual Quoting Data. Based On A Clean Driving Record.

Average Car Insurance Rates in Hamilton

Being a city that’s a part of the Greater Toronto Area (GTA) certainly has its benefits, such as career opportunities, great restaurants or ample entertainment and this is no different in Hamilton. However, living in the GTA is certainly nothing to shout about when it comes to your average car insurance premium, unfortunately you can expect higher rates than most other places in Ontario.

All that being said, Hamilton makes the list for top 10 most expensive cities for car insurance in Ontario, coming in at number 7 for 2016 with an estimated average rate being $1,683. This average is calculated based upon a 35-year-old male with a clean record. However, these being averages doesn’t mean you are destined to pay such a high rate, the Ontario average is $1,458 and with a little comparing there’s no reason why you can’t try to save money.

Average Insurance Rate = $1,683

Source: Kanetix Study

Collision Stats in Hamilton

For any driver it’s always good to be made aware about the number of collisions and this is no different for drivers of Hamilton. Being a part of the GTA, these numbers always make for interesting reading, some notable statistics as presented by the Hamilton Police for 2015 were:

  • Total number of collisions in 2015 – 9,719
  • Total number of personal injuries in 2015 – 1,587
  • Total number of fatal collisions in 2015 – 16

Source: Hamilton Collision Report 2016

% Type of Collision in 2015 for Hamilton

Source: Hamilton Collision Report, 2016

Tips for Driving in Hamilton and What You Need to Know

Check out some of our top tips for when you’re next driving in Hamilton, they could come in very handy!

    1. In Kitchener and surrounding areas there exists a number of roundabouts which are not all that common on the roads of Ontario. Used widely in Europe, these may have you stumped if you’ve never driven through one before.
    2. Although Hamilton doesn’t receive too much annual snowfall, thanks to its proximity next to lake Ontario, the city can still be vulnerable to some dangerous weather in the winter. This makes it difficult getting around, especially on the roads so be prepared with a winter survival kit and take your time.
    3. A regular favorite for one of the worst roads in Ontario is Burlington St East which runs through Hamilton, this is one to try steer clear of to avoid congestion and heavy traffic.
    4. Hamilton used to have a vibrant past with the steel industry and was known for its role in the manufacturing business. As a result, when driving, especially near the water you’ll notice some old steel mills

Yearly Collisions Statistics for Hamilton

The chart below shows the number of collision statistics from Hamilton across a five year period from 2011 – 2015. One of the more prominent determining factors when it comes to car insurance rates, is the number of collisions for a given area so this is an important stat to take note of.

Source: Hamilton Collision Report 2016

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