Get the best rates, & the hometown customer service you deserve.


Get the best rates, & the hometown customer service you deserve.

WHAT YOU NEED TO KNOW ABOUT CAR INSURANCE IN HAMILTONWe have compiled some of the most relevant information about Hamilton car insurance numbers from top sources to help further assist you in understanding how your auto insurance premiums are determined.


People Live in Hamilton


Of Hamilton residents drive a car


Median age of drivers in Hamilton

23.77 km

Average daily commute in Hamilton


Average annual premium in Hamilton

$130 month

Average monthly premium in Hamilton

Living and Driving in Hamilton, Ontario

Hamilton is a city in Ontario, Canada, on the southern edge of landlocked Hamilton Harbour and the western extremity of Lake Ontario. The city gets its name from George Hamilton, the 1815 founder. Before moving or relocating to Hamilton, it is advisable to check your Auto Insurance policy.

Trains and motorways connect Hamilton to Toronto, Canada, and Buffalo, New York. Also, the city is conveniently located near major commercial centers, ports of entry, and Canada’s busiest international airport.

Hamilton International Airport is one of the busiest airports in the country, and the city’s port is the busiest in all the Canadian Great Lakes. The busiest roadway in North America, which connects to the United States at Windsor, Ontario, and continues east to the neighboring province of Quebec, is less than a 30-minute drive from the heart of Hamilton.

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What Does My Auto Insurance Policy in Hamilton Cover?

Auto insurance is designed to protect you in several ways. The primary reason you should buy auto insurance is it protects you against liability when you are involved in an auto accident where you are responsible for someone else’s injuries or property damage.


Direct Compensation-Property Damage (DC-PD) is coverage that protects you and your vehicle. It covers your auto and its contents as well as the loss of use of your auto, and the payment will come directly from your insurance provider. DC-PD only applies if the accident occurs in Ontario and there was more than one vehicle involved. Also, at least one of the other vehicles must be insured by a company that is licensed in Ontario or has a special agreement with FSCO to provide insurance coverage.


Collision coverage is optional and covers your car. It is a valuable coverage to have if an accident does not qualify for DC-PD and you want to ensure you can get your car fixed.

Statutory accident benefits coverage pays for your medical bills if you are injured in an auto accident regardless of who caused the accident, and it pays for income loss as well.


There is always a concern that another driver will not have auto insurance. Therefore, auto insurance in Ontario includes uninsured automobile coverage to provide coverage if you or your passengers are killed or injured by an uninsured motorist or hit-and-run driver.


These are the basic auto insurance coverages in Ontario, and you can add extra coverages by endorsement or increasing certain limits.

City by City Average Auto Insurance PremiumsHow does Hamilton compare to other cities in Ontario.

Ontario $1,505
St. Catharines $1,327
Niagara Falls $1,327
Hamilton $1,564
Waterloo $1,351
Pelham/Fonthill $1,327
Grimsby $1,368
Dunnville $1,394
Oshawa $1,833
Burlington $1,374
Ajax $2,104
Toronto $1,953
Brampton $1,976
Guelph $1,391
Milton $1,498

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Things To Do in Hamilton, Ontario

Hamilton, Ontario is well-known for its attractions and activities, such as:

  • Hamilton Centre for the Performing Arts
  • Royal Botanical Gardens
  • Canterbury Falls
  • Art Gallery of Hamilton
  • Canadian Warplane Heritage Museum
  • Bruce Trail
  • Bayfront Park
  • Dundurn Castle
  • Bronte Creek Provincial Park
  • Westfield Heritage Village
  • Rattlesnake Point Conservation Area

Hamilton, Canada’s port city west of Ontario, is known as the city of waterfalls. The Niagara Escarpment separates the city and is home to several conservation areas and, of course, waterfalls. Other attractions in Hamilton include museums that teach about Canadian history, the world’s largest gardens, and fantastic wildlife parks.

Hamilton, Ontario Roads, and Neighborhoods

The City of Hamilton is the epicenter of the Golden Horseshoe, a heavily populated area near Lake Ontario’s western edge. The former municipalities of Ancaster, Flamborough, Glanbrook, Dundas, and Stoney Creek are all part of Hamilton. The Niagara Escarpment, sometimes known as “the mountain” by Hamiltonians, is located on the city’s southern outskirts. The city is located near a network of roads that serve southern Ontario, making it accessible via various routes.

To drive a car in Ontario, all drivers must have a valid driver’s license and insurance. To drive a truck, however, you must have a Class A license.

In the metropolis, many citizens commute from Hamilton to other cities. Highway 403, QEW, Lincoln Alexander Parkway, and Red Hill Valley Parkway are the major roadways that go through the city. Some of Hamilton’s neighborhoods include:


Some of Hamilton’s most stunning homes are in Ancaster. This neighborhood has something for everyone, with magnificent older homes in old Ancaster, charming townhomes right off Wilson Street, and suburban developments near one of Hamilton’s central commercial districts.

Ancaster, previously known as Wilsons Mills, was founded in 1792 and functioned as a vital transit route in Upper Canada, linking the Niagara Peninsula with the northern interior.

Ancaster is adjacent to numerous beautiful conservation areas, including Hermitage Falls, apart from its many amenities. In addition, Ancaster Village organizes several events throughout the year, including the Great Pumpkin Stroll on Halloween and the Christmas Tree Lighting Ceremony.


The Dundas valley community is surrounded by the Niagara Escarpment, with Cootes Paradise wetlands on the east and conservation grounds on the west.

The neighborhood is close to the area’s natural beauties and has a shopping district that mixes elegance with a welcoming small-town ambiance. At the Dundas Valley Historical Society, you can learn about local history and historical figures that formed this town.

Dundas was originally an autonomous town, but it is now a member community of Hamilton. Because of its closeness to Burlington, Toronto, and Mississauga, Dundas is a popular destination for travelers all over the country.

Stoney Creek

Stoney Creek, in East Hamilton, is a well-connected neighborhood, close to major roads, and providing fast access to Toronto or Burlington. For neighborhood newcomers, waterfront condo buildings and single-family houses provide a wide range of living options.

Upper Stoney Creek includes a section of the Niagara Escarpment, providing access to the natural splendor of adjacent parks and urban amenities both above and below the escarpment.

Stoney Creek’s most peculiar tradition began in 1969 when the city began commemorating Canada’s new maple leaf flag as a focal point for community events. One month before Canada Day, the neighborhood holds a parade and celebration every year.


In recent decades, the Flamborough has become a popular destination for commuters and hobby farmers in the Golden Horseshoe. Much of Flamborough is above the Niagara Escarpment, and the Bruce Trail runs through it. The neighborhood offers easy access to Highway 403 at Waterdown Road, allowing improved traffic access to and from Toronto.

Although the south is relatively level, there is a slow but continuous ascent up to the Wellington County boundary, the approximate height of land dividing two watersheds. Another significant geographic feature is the Beverly Swamp in the western section of the old Beverly Township.

Get Affordable Hamilton Auto Insurance

Law requires all drivers in Hamilton, Ontario, to carry a minimum level of Auto Insurance. Unfortunately, many consumers are unaware they are paying too much for insurance until they compare quotes from several providers.

The FSCO recommends Ontario drivers shop around for the best and cheapest insurance rates by comparing quotes to avoid overpaying.

Duliban Insurance brokers make it easy to obtain a Hamilton Auto Insurance quote in just a few minutes. Please get in touch with us about Hamilton Car Insurance to learn more.

If your car is older and you do not have a loan on it, you might consider dropping the collision coverage. Just be aware that you may not have coverage for damage to your car depending on the circumstances of an accident.


Finally, shop around for auto insurance on occasion. Auto insurers are always looking for ways to lower their premiums. You might find that another insurance company offers a better rate than the one you are currently getting.

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