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Hamilton Auto Insurance

Find Hamilton’s cheapest auto insurance by comparing quotes from Canada’s leading insurance companies.

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Commonly referred to as ‘The Hammer’, Hamilton, ON, is a manufacturing-dominant city located on the western end of Lake Ontario. With a population of 536, 916 (2016 census), Hamilton is Canada’s 10th most populous city. Because of its central location in the province, many Hamilton drivers use surrounding highways to commute to nearby GTA, Niagara, or Kitchener-Waterloo, and the mountainous Niagara Escarpment that runs through the city can make for challenging driving conditions.

No matter what their morning commute looks like, Hamilton motorists can always find the most affordable auto insurance with Surex. 

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Comparing rates from Canada’s leading Auto insurance providers
Intact Insurance
Wawanesa Insurance
CNS Insurance
Jevco Insurance
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Need Coverage but don't know what it all means?
Third Party Liability Coverage
When deemed legally responsible, provides coverage for injuries or damage caused by you to third parties and their property.
Comprehensive Coverage
Subject to a deductible typically covers fire, hail, theft, collision with an animal, vandalism and falling objects among others.
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Accident Forgiveness
This allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.
Windshield Coverage
Windows are included in comprehensive, however, you have the option to remove this coverage in order to lower your premium. *AB it is not included
Car Rental Coverage
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
Depreciation Coverage
In the event of a "Total Loss" this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.
Family protection
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Latest News in Hamilton

Highway driving. Hamilton is no stranger to highway driving. The ever-busy Queen Elizabeth Way (QEW) connects the city to one of the world’s busiest highways — Highway 401 — and to the Greater Toronto Area (GTA). Whether you’re making your daily commute or embarking on a weekend getaway, give yourself lots of extra time to account for the congested highways that surround the Hamilton area.

Mind the one-ways. Like with many mid-sized Ontario cities, one-way streets are commonplace in the city Hamilton. Pay careful attention when you’re driving downtown or through residential neighbourhoods, and use a GPS device to help navigate the city if you’re less familiar with the routes around the area.

Local expressways. Hamilton has a number of in-city freeways, including the Lincoln M. Alexander Parkway, the Red Hill Valley Parkway, and Highway 403. Instead of relying on the city’s slower-moving streets and boulevards, use one of Hamilton’s many expressways to get across town.

Avoid the waterfront. Streets like Burlington Street — which runs alongside the harbour, on the north end of Hamilton — are still fairly industrial, generally poorly maintained, and can be difficult for both local drivers and visitors to navigate. If possible, avoid using streets near the waterfront altogether.

Bundle policies. By combining multiple insurance policies with the same insurance provider, you can get up to 15% savings on auto insurance and 10% savings on home or condo insurance. The discount applies to tenant (ie. renters) insurance, so even if you don’t own a home, be sure to ask about bundling options.   

Telematics. Certain insurance providers in Ontario offer discounts for participating in telematics programs. Telematics programs — also known as Usage-Based Insurance — automatically track driving behaviour and reward safe driving with discounts of up to 30%. Driving behaviour is tracked through a small digital device that gets installed in the policyholder’s vehicle and that measures factors such as speed, trip distance, braking, fuel consumption, and driving smoothness.

Pay annually. Paying your full annual premium for car insurance at one time — instead of dividing it in twelve monthly installments — will usually result in a discount to your auto insurance premiums. This is because it means drivers avoid paying for the service fees that insurance companies typically charge policyholders to process their monthly payments.

Winter tires. By installing four approved winter tires during the winter months (when temperatures fall below 7 degrees Celsius), drivers can typically save up to 5% on their auto insurance premiums. To be sure a winter tire meets the standards set by the Rubber Association of Canada, look for the small mountain-shaped symbol containing a snowflake.

At Surex, our three-step process will ensure that you end up with the best car insurance available in Hamilton. Here’s how it works:

Personalized Insurance Quotes: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under 10 minutes, you’ll have up to 10 personalized insurance offers to choose from.

Customize Your Offers. Once you receive the initial quote, you can edit your information and compare quotes to find the best overall value.

Purchase and Manage 24/7. Once you’ve selected a quote & reviewed the policy with your dedicated assistant, you can electronically sign documents to receive an instant proof of insurance. If you’d rather speak with with someone we will connect you with a Dedicated Insurance Assistant to walk you through all the options and answer any questions you might have. Once finished, your documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.

Great experience I love the fact of paying month by month, its great not having to pay first and last month, it makes it much easier and affordable to get insured. I loved it!

Gary J. — Hamilton, ON

Amazing customer service I have ever experienced from a broker. I couldn't be happier!

Rebecca R. — Hamilton, ON

Great company, Victor offered great service.

Omaid B. — Hamilton, ON

Curtis helped me a lot throughout the process. He is very informative and approachable. I recommend everybody to touch base with Curtis for insurance needs.

Danial R. — Hamilton, ON

Tyler was amazing!!! Understood my situation my needs and explained everything thoroughly! Highly recommend!!!

Stacey C. — Hamilton, ON
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Top Parks in Hamilton
  1. Gage Park
  2. Bayfront Park
  3. Pier 4 Park
Top Shopping Spots in Hamilton
  1. CF Lime Ridge
  2. Lloyd D. Jackson Square
  3. Eastgate Square
Best Sights and Landmarks in Hamilton
  1. Dundurn Castle
  2. Art Gallery of Hamilton
  3. Canadian Warplane Heritage Museum

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insurance broker
Denae
Licensed Insurance Advisor
Questions to ask your Dedicated Insurance Assistant:

Shopping around auto insurance online can mean big savings. Rates can change, as can your personal driving situation, so don’t automatically renew with your current provider — take a few minutes to compare your rate and coverage options, get an updated quote (for free on a rate comparison site), and find the most competitively priced coverage available.  

Typically, Hamilton drivers under the age of 25 pay the highest rates for car insurance. Car insurance rates tend to drop after age 25 — providing the policyholder has a clean driving record and has never missed a payment — and then rates tend to fall again when the policyholder is in their 60s.

There are a number of measures that Hamilton motorists can take to lower their auto insurance premiums, including enrolling in an approved safe driving program, raising their deductibles, paying their annual car insurance premium all at once (instead of in monthly installments), driving fewer kilometres per year, avoiding making minor claims, never missing a payment, and bundling their insurance policies.

Can you transfer car insurance to another car? Yes. Simply let your insurance company know that you’ve purchased a new vehicle and would like to insure it. Your premium could change, depending on vehicle details, coverages added or removed, and your driving situation, but be sure that your updated policy no longer covers your old vehicle.

You need to know what you’ll get if your car is deemed a total loss (ie. the cost to fix it is higher than the cost to replace it). An ‘actual cash value’ policy means your vehicle will be replaced at its after-depreciation value, whereas an ‘agreed upon value’ means your vehicle will be replaced at a predetermined value. The different coverage types can result in differences to your rate, so know what kind of coverage you’re looking for, and ask your Dedicated Insurance Assistant for their professional advice.

Shopping around online for auto insurance can mean big savings. Rates can change, as can your personal driving situation, so don’t automatically renew with your current provider — take a few minutes to compare your rate and coverage options, get an updated quote (for free on a rate comparison site), and find the most competitively priced coverage available.  

What age pays more for car insurance? Typically, Hamilton drivers under the age of 25 pay the highest rates for car insurance. Car insurance rates tend to drop after age 25 — providing the policyholder has a clean driving record and has never missed a payment — and then rates tend to fall again when the policyholder is in their 60s.

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