Car insurance Hamilton, ON

Part of a series on car insurance rates in Ontario.

Fast facts about auto insurance in Hamilton

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)


Collision rate for the city

Average age

Average household income


Unemployment rate


Understanding car insurance in Hamilton, Ontario

Hamilton sits at a major juncture between the Greater Toronto Area, St. Catharines, and everything west of it.

In addition to its own sizable population of a half-million people and a strong economy, Hamilton’s outer neighbourhoods have started to become commuter hubs for the surrounding regions, including:

  • Burlington
  • Oakville
  • Grimsby
  • St. Catharines
  • Guelph
  • Cambridge
  • Brantford

That means highways and ring roads surround the city, especially on it’s northeastern border with Burlington. If you’re commuting to work, then you’ll need to plan for traffic build-ups on the QEW, the 403, Lakeshore Road, and maybe even Highway 8.

A lot of people commute to and from the city, and the 403’s spaghetti-junction merge ramps almost certainly contribute to the city’s high collision rate of 3.9%. Stay vigilant when you’re merging or in the right-hand lane and you’ll cut down your chance of a collision by half. That’s good for your car insurance rates, obviously.

Watch out for steep roads going up and down the mountain (technically an “escarpment”), a lot of one-way streets, and you’ll be well on your way to driving like a pro in Hamilton.


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Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Hamilton

Myth: Hamilton isn’t a safe place to live.

Not true. Hamilton’s crime severity index is only 53.6 according to 2016 census data. Cities with higher crime indexes include Halifax (61), Montreal (57.8), Kingston (55.2), Kitchener-Waterloo and Cambridge (61.2), London (68.4), and Windsor (65.1). Hamilton sees more criminal activity in communities along King Street compared to Dundas or Stoney Creek, but it’s actually a reasonably safe city.

Myth: Hamilton is just industrial.

Wrong! While the bay is dominated by Stelco on the skyline, Hamilton itself is actually home to a disproportionate number of green spaces. Cootes Paradise, the Royal Botanical Gardens, and Bayfront Park all sit within a 10-15 minute drive of each other on the Bay (around the 403). You’re also just an hour away from Niagara’s vineyards, which are beautiful.

Myth: Finding parking is a nightmare.

While it can be hard to find good street parking, that’s because it’s generally free after 6:00 p.m. on weekdays and all day on weekends. With that said, there are a fair number of through streets with parking restrictions even in neighbourhoods. Newcomers to the city can become frustrated with finding street parking nearby, but locals know to find quick parking on residential streets a block or two away.

Myth: You either work industrially or commute.

Not true these days. While Hamilton’s steel, iron, and related industries represent a big chunk of its workforce, the city’s service industry has grown in recent years.  Commuting isn’t the only option, but if a stone cracks your windshield then you can get it repaired at Auto Glass Hamilton.

How Hamilton’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

Quick tips on driving in Hamilton

Avoid driving on the Burlington Skyway during storms or windy days.

The Skyway as iconic as it is practical, essentially acting as a highway over water with a nice view of Stelco in the morning. But it can also be a dangerous route when winds pick up. There isn’t much of a buffer zone between the wind and your car.

You won’t be swept off the bridge, but larger vehicles have been known to get blown over once in a while. You can take the side road underneath the Skyway as an alternative, but the other regular commuters will have the same idea!

Winter driving on the mountain is a whole new ballgame.

Icy roads are bad enough for the rest of Ontario, but Hamilton’s steep roadways going up and down the escarpment can throw a wildcard into the mix for the uninitiated.

Even people who just commute or visit family need to drive extra carefully in winter, especially on the downward slope on Highway 6 just past Clappison’s Corners.

Start thinking one-way.

Hamilton’s incorporation goes back to 1846, so it’s a fairly old city by Canadian standards. That comes with one-way streets, and Hamilton has enough of them to make visitors’ heads spin.

You’ll often find them on residential side streets, but it’s not uncommon to find one-way through streets (especially in the old city core). Keep an eye out for them around the Duran, Beasley, and Central Hamilton neighbourhoods. 

Sources for fast facts about Hamilton:

  • Statistics Canada, 2016 Hamilton Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • Statistics Canada, Police-reported Crime Severity Indexes, by census metropolitan area, 2016

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Google Rating: 4.8

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