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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$84.22Jul 24, 2024, 04:44 PMAuto63FemaleM1J2C8
$43.53Jul 24, 2024, 06:04 PMHome47MaleL7P1Y9
$29.37Jul 24, 2024, 09:54 AMTenant41MaleN8W5N7

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

Updated on May 15, 2024

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

Updated May 15, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in Hamilton

  • Hamilton car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Hamilton for a driver with comprehensive/collision coverage and a clean driving record is around $1,659.
  • Comparing Hamilton auto insurance quotes with MyChoice can save you up to $1,178 annually.

The Best Car Insurance Brokerages in Hamilton

Car insurance brokers help you find the best deals by comparing offers from multiple insurers and answering any car insurance questions. Here are some of car insurance brokerages in Hamilton you can visit for your insurance needs.

BrokerageAddressPhone Number
My Insurance Broker163 Centennial Pkwy N, Hamilton
ON L8E 1H8, Canada
BrokerLink78 Queenston Rd, Hamilton
ON L8K 6R6, Canada
ALFA Insurance Brokers1109 Main St E Unit 1, Hamilton
ON L8M 1N7, Canada
Morison Insurance Brokers Inc.1725 Upper James St, Hamilton
ON L9B 1K7, Canada

Most Expensive Postal Codes in Hamilton

Hamilton’s average auto insurance rate is $1,659/year, slightly less than Ontario’s provincial average of $1,673/year. However, there are some areas in Hamilton where car insurance is well above the city’s average, check the table below for a detailed look at Hamilton’s most expensive postal codes:

Postal CodeAverage Annual Car Insurance Premium
L8H, L8L, L8M, L8N, L8P, L8R, L8V, L9A, L9C$1,848
L8K, L8T, L9B, L9K, L8E, L8G, L8J$1,785

Least Expensive Postal Codes in Hamilton

Fortunately, you can also find areas where insurance rates are below the city average – L9H is the cheapest in the city at $1,597/year.

Postal CodeAverage Annual Car Insurance Premium
L8S, L9G$1,591

Car Insurance Cost in Hamilton by Age

Hamilton car insurance premiums rise and fall based on your age. Students and younger drivers typically pay higher premiums due to inexperience, but these will decrease as you age. Your premiums will rise again once you hit 65 because senior citizens are more likely to get hurt or killed in an accident.

Here’s a detailed overview of car insurance premiums in Hamilton categorized by age, plus how much you can save when using MyChoice to compare policy deals:

AgeAverage Annual RatesAverage Savings with MyChoice

Car Insurance Cost in Hamilton by Driving History

Your driving history impacts car insurance rates in Hamilton because insurers use it to gauge your accident risk. Having a clean driving record means you’re a safe driver, which lowers insurance premiums. Conversely, having traffic violations on your record makes you a high-risk driver, increasing your premiums.

Traffic violations and accidents stay on your record for years, so you may need to seek specialized high-risk driver insurance. Here’s an overview of how different driving violations influence your Hamilton auto insurance rates based on our price quote data:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,659
Insurance cancellation due to non-payment$2,721
Licence suspension for alcohol-related offences$1,991
One accident$3,650
Speeding ticket$2,157

Driving in Hamilton

While not as large as Toronto, Hamilton is still a sizable city with heavy traffic. Knowing the key facts about driving in Hamilton can help you regulate risk when going out and about.

Here are some key facts about Hamilton you should know:

  • Major highways in Hamilton: Queen Elizabeth Way, 403, 2, 5, 6, 8, 20, Lincoln M. Alexander Parkway
  • Public transit options: GO Transit (buses and trains), Hamilton Street Railway (buses), Burlington Transit (buses)
  • Ridesharing services: Uber and Lyft
  • Parking space providers: The City of Hamilton, private lots
  • Top tourist attractions: Dundurn Castle, Canadian Warplane Heritage Museum, Bayfront Park, Gage Park, Art Gallery of Hamilton, Tiffany Falls Conservation Area
  • Busy intersections: John Street South and Main Street East, Dundurn Street South and King Street West, Dundurn Street South and Main Street West, Main Street East and Wellington Street South
  • Airports: John C. Munro Hamilton International Airport

Main Mode of Commuting in Hamilton

A vast majority of Hamilton’s 190,280 commuters travel by car, and most of them drive themselves. However, public transit users are also somewhat common. In fact, there are almost as many public transit commuters as there are car passenger commuters. Here’s an in-depth look at the main modes of commuting in Hamilton.

Main mode of commutingCountsRates
Total – 25% Sample Size190,280100.0
Car, truck or van162,48585.4%
Car, truck or van – as a driver147,23577.4%
Car, truck or van – as a passenger15,2408.0%
Public transit14,0557.4%
Other method3,8152.0%

Commuting Duration in Hamilton

A quarter of Hamilton’s commuters only spend 15 minutes going to work. Most of them spend somewhere between 15 and 29 minutes on their commute. Here’s a closer look at the commuting duration in Hamilton:

Commuting durationCountsRates
Total – 25% Sample Size190,280100.0
Less than 15 minutes47,92025.2%
15 to 29 minutes76,22540.1%
30 to 44 minutes34,95018.4%
45 to 59 minutes14,9657.9%
60 minutes and over16,2158.5%

Driving Conditions in Hamilton

Your insurance premiums can fluctuate depending on current driving conditions in the city. Here’s a look into driving conditions in Hamilton:

  • Average daily commute time: 58.8 minutes round trip
  • Average annual rainfall: 850 mm
  • Average annual snowfall: 463 mm
  • Rainy days per year: 175.2 
  • Rainiest month in Hamilton: September
  • Driest month in Hamilton: February
  • Snow days per year: 58.6
  • Snowfall months in Hamilton: November through April

Traffic in Hamilton

In addition to driving conditions, it’s also important to know what traffic in Hamilton is like. Here are some fast facts about traffic in the city:

  • Population: The Hamilton metro area boasts a population of 785,184. 
  • City area: The Hamilton metro area spans 1,373.15 km2.
  • Daily commuters: The Hamilton Census Subdivision estimates 200,865 commuters in the city.
  • Worst rush hour: Fridays from 4 PM to 5 PM are the worst for traffic in Hamilton.
  • Time spent in traffic annually: Most Hamiltonians spend about 357.7 hours each year stuck in traffic.
  • Busiest highways: Hamilton is one of the stops along Highway 401, one of the busiest highways in North America.

The Most Common Questions About Car Insurance in Hamilton

How much is car insurance in Hamilton?

Hamilton’s average annual car insurance rate is $1,659, lower than Ontario’s provincial average of $1,673.

Is car insurance cheaper in Hamilton than in Toronto?

Car insurance in Hamilton is cheaper than in Toronto. The average annual rate in Hamilton is $1,659, around $500 less than Toronto’s $2,139.

Is car insurance higher in Hamilton than in Burlington?

Car insurance in Burlington is cheaper than in Hamilton. Burlington’s average annual rate is $1,586, compared to Hamilton’s $1,659.

Is Hamilton cheaper than Mississauga for car insurance?

Hamilton is cheaper than Mississauga for car insurance. Mississauga’s annual rate of $2,315 is considerably higher than Hamilton’s average of $1,659.

When should I get Hamilton car insurance quotes?

You should get Hamilton car insurance quotes as soon as possible. Insurance premiums usually get higher as your policy nears its end, so don’t delay and get quotes before your rates spike.

How can you get cheap car insurance in Hamilton?

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


Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.


Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.


MyChoice data science, MyChoice research.


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

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

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

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

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

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

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

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

9. 511 Ontario Traveller Information, Ontario, Hamilton.

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