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Compare and purchase the best
car insurance rates in Hamilton.
Compare and purchase the best
car insurance
rates in Hamilton.
Get free & accurate quotes from Canada’s top car insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top car insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
Type of auto coverage we provide
Liability Coverage
Provides protection against a lawsuit resulting from damaged property or personal injuries.
Comprehensive Coverage
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects among others. (subject to a deductible).
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
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windshield Coverage
Windows are included in comprehensive* however; you have the option to remove this coverage to lower your premium. (*Not Included in Alberta.)
Car Rental Coverage
You can extend your car insurance coverage 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.
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Save up to 25% on affordable car insurance in Hamilton by teaming up with Surex

Hamilton is a popular city to live in for several reasons, one of them being its prime location. The city of Hamilton is a short drive away from a number of other large cities in Ontario, including Toronto, Niagara, and the Kitchen-Waterloo region. However, in order to take advantage of this great location, you need to have a car, which means you’ll need to find affordable car insurance in Hamilton.

That’s where Surex steps in. At Surex, we make finding affordable car insurance in Hamilton a quick and simple task. We pair drivers with their own personal insurance advisors, who can help them find and compare the best insurance coverage options from the top rated car insurance companies in Ontario. Contact us today to learn how you can save up to 25% with Surex!

Car Insurance in Hamilton - What You Need to Know

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 of 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 bundling multiple types of insurance in Hamilton 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 online car insurance at one time — instead of dividing it in twelve monthly instalments — 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 in Hamilton. Here’s how Surex can help you get insurance online:

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 ten minutes, you’ll have up to ten personalized insurance offers to choose from.

Customize Your Offers:  Once you receive your online car insurance quote, you can edit your information, compare insurance companies and compare quotes to find the best overall value.

Purchase and Manage 24/7: Once you’ve selected an auto insurance quote and reviewed the insurance policy with your insurance broker or advisor, you can electronically sign documents to receive instant proof of insurance. If you’d rather speak 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 Ontario automobile insurance documents will arrive in the mail and you can manage your policy 24/7 with our ‘My Surex’ login feature.

The best road-trip destinations in Hamilton

Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Hamilton to explore on your next road trip.

Top Parks in Hamilton
  1. Gage Park
  2. Bayfront Park
  3. Pier 4 Park
Top Shopping Spots in Hamilton
  1. CF Lime Ridge
  2. Eastgate Square
  3. South Hamilton Square
Best Sights and Landmarks in Hamilton
  1. Dundurn Castle
  2. Art Gallery of Hamilton
  3. Canadian Warplane Heritage Museum
Surex Insurance Tips & Advice
cost of living
3 min
We're always looking to save money! If you want to find ways to lower your living costs but are struggling to come up with ideas to do so, this article has 50 tips for you to lower your overall cost of living.
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