Hamilton Car Insurance Quote Calculator

  • Hamilton Ontario

Hamilton is a port city located in southern part of Ontario province. This city is dense in population which is estimated at 519,949 as per city 2011 census. It is considered an industrial and metropolitan area. The city is divided into two sections by an escarpment and considered a major steel producer and Great Lakes Port.

Who Has the Cheapest Car Insurance Quotes in Hamilton

RankAuto Insurance CompanyAnnual Rate*
1Coseco$2,113
2The Cooperators$2,186
3Belairdirect$2,398
4Gore Mutual$2,418
5Desjardins Insurance$2,804
6Aviva$2,838
7Coachman$2,949
8Travelers (Dominion Product)$3,073
9Wawanesa Insurance$3,078
10Intact$3,218
11Travelers (Chieftain Product)$3,228
12Economical$3,281
13CAA$3,537
14Pembridge$3,978
15Echelon$4,180
16Allstate$4,350

Most Expensive Auto Insurer in Hamilton

We compared some quotes to get an idea of how much it would cost for car insurance.  The most expensive auto insurer in Hamilton was Allstate Insurance with an annual rate of $4,350. The difference in premiums between their quote and the lowest rate was $2,237. That was almost a 51% variation. The only way to save if you have one of their policies seems to be by combining home and auto insurance.

The next highest quote was by Echelon at an annual insurance rate of $4,180 at a difference in premiums of $170. They provide insurance to high-risk clients who found it difficult to get insurance for various reasons. Some of them were driving infractions, DUI cases, suspensions and high claims. Echelon could be the choice for who are left with the only option of getting a policy through the Facility Association.

Cheapest Auto Insurer in Hamilton

Out of all the insurance quotes compared the lowest was by Coseco at an annual rate of $2,113. For new drivers and those getting a renewal, it would be a great idea to check their rates and compare coverage. For someone starting to drive on the roads, getting a cheaper insurance but good coverage is very important.  Coseco auto policies are administered by HB Group Insurance a member of The Co-operators group. Probably that could be a reason why the next closest lowest quote was by The Co-operators. That quote came up at an annual rate of $2,186 at just $63 higher.

Car Insurance in Hamilton Neighborhoods

NeighborhoodsCar Insurance can be as low as*
Blakely     $ 857
Hamilton Beach    $ 1,042
Ainslie    $  1,251
Cootes Paradise A    $  1,251
Chedoke Park B    $  1,395
Cootes Paradise B    $  1,395
Corman    $  1,415
Central   $  1,671
Corktown   $   1,671
Cherry Heights   $  1,699
Community Beach  $  1,699
Bartonville  $   1,747
Crown Point West  $  1,747
Beasley   $  1,769
Crown Point East   $ 1,769

Most Expensive Areas in Hamilton

We compared car insurance quotes around the neighborhoods in Hamilton using a sample driver and vehicle profile. The highest quote for car insurance was for Crown Point east area at an annual rate of $1,769. The Beasley area in Hamilton also had the same insurance rate which was 52% higher than the lowest quote. This is an area which is busy with many retail shops and will suit someone with a median budget.

Least Expensive Areas in Hamilton

The lowest quote for car insurance was for Blakely area at an annual rate of just $857. This area is just a 25-minute walk away from downtown. The main boundaries are Sherman Avenue on the west, Main Street on the north, Gage Avenue to the east, Escarpment to the south. Many residents prefer to walk than drive and are considered a safe area to live in. The next lowest quote was for Hamilton Beach area with an annual rate of $1,042 which is $185 higher. There are many streets that only allow traffic to move one way.

Road Safety & Tips For Driving In Hamilton

The city of Hamilton has many initiatives to improve traffic and road safety. Vision Zero plan is being proposed to minimize fatalities in road accidents. Distracted driving is strictly punishable with heavy fines ranging from $300 to $1000. There was a review of data for collisions in Hamilton between 2010- 2013 due to distracted driving.

  • Around 86% of the total collisions were involving multiple vehicles or single vehicles. There were collisions around 14% that involved cyclists and pedestrians.
  • About 38% of collisions due to distracted driving were caused by drivers under the age of 34. The remaining 67% of these collisions were caused by drivers between ages 35-55. The young drivers between the ages of 16 to 24 years made up around 18.3% which is quite high. So about 1 in 5 of this age group caused collisions due to distracted driving.
  • The collisions caused by older age group drivers lead to fatalities and serious injuries of about 33% of the total number of collisions.

 

Pedestrian Crossovers In Hamilton

There are 3 main types of pedestrian crossovers in Hamilton. There are more proposed locations for better road safety.

  1. Type 1 : These have lines for marking with clear stopping spot for cyclists and motorists. There are also roadside signs to assist pedestrians.
  2. Type 2:  The lines on these mark the crossing area and also clearly has a stop line for cyclists and motorists. There are roadside signs and flashing lights as well.
  3. Type 3: Apart from the above these crossovers also have overhead signs for guidance.

Red Light Cameras Program

The city is responsible for installing and operating the red light cameras in specific sites. The province enforces regulations and violations. This program is aimed at reducing aggressive driving and for educating motorists about hazards created by driving past the red lights. These cameras capture the license plate numbers of the vehicles that cross the intersection after the lights have turned red. There are 6 municipalities that participate in this program to stop this illegal driving action. The penalties are heavy at $325 per incident and 3 demerit points added to the license if a ticket is issued for not stopping.

Traffic Fatality Data for Ontario-2014

Category  Fatalities% of Total Fatalities
Impaired Driving collisions12024.90%
Heavy truck collisions10521.80%
Pedestrian fatalities9419.50%
Inattentive driving collisions8617.90%
Speed-related collisions8217%
Unbelted occupant fatalities6012.50%
Motorcyclist fatalities5611.60%

The above table compares fatality data for traffic incidents in Ontario for 2014. The highest  number of fatalities were reported for DUI accidents at 120 and accounted for 24.9% of total fatalities. The least number was reported involving motorcyclists at 56 and 11.60% of the total figure.

Synopsis of Collision Data for Ontario – 2014

Category Statistics
Total Fatal and Personal Injury Collisions34064
Total Drivers Involved in Fatal and Personal Injury Collisions64202
Fatal Collisions447
Personal Injury Collisions33617
Passengers Killed68
Pedestrians Killed94

The above table has statistics for fatalities, collision and injuries for different types of persons involved for the year 2014. The personal injury collisions were very high at 33617 that accounted for almost 98% of the total collisions. Out of these, fatal collisions were for 447. The numbers of pedestrians killed were 94 which was 72% more than the number of passengers killed in these collisions.


Resources

http://www.coseco.ca/en/about-us.aspx

https://www.hamilton.ca/streets-transportation/driving-traffic/distracted-driving

http://www.mto.gov.on.ca/english/publications

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* Methodology

For the survey, we assumed that the auto insurance premiums are for a 35-year-old man who owns his car Honda Civic model 2012. The credit rating is good and he has basic liability coverage. The annual mileage ranges from 5,000 to 8,000 with no traffic tickets since last 5 years.

Insurance quotes shown here are examples only. The lowest cost insurance provider depends on numerous factors related to the car, driver, location and driving conditions. There’s no guarantee that the lowest rate provider in these examples produces the lowest rate for every driver.

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