Car insurance in Hamilton

Car insurance rates in Hamilton, Ontario are different for every driver. When calculating your premium, insurers consider a combination of factors that include, but are not limited to:

• The optional coverage that you choose for damage to your car or injuries

• The make, model, and year of your vehicle

• Your driving history, including any at-fault claims or traffic convictions

• Where you live and park your vehicle in Ontario; different locations, including Hamilton, can impact your rates

• Your primary vehicle use (commuting, pleasure, or business driving)

For more information, see How Car Insurance Premiums Are Calculated.

Get a personalized quote to understand how much car insurance would cost for you. Get a quote or call 1-877-749-7224.

RBC Insurance customers have access to Aviva Journey. This free app is a usage-based insurance program that rewards safe driving behaviour. It tracks and collects your driving data to calculate your driving score, which could earn you a discount at renewal. Safer driving habits increase your score and can save Ontario drivers up to 25% on premiums at renewal. Riskier driving habits could result in an increase of up to 25% in premiums.

To enrol in the app, please speak with an RBC Insurance advisor by calling 1-877-749-7224 or request a callback. You can take advantage of the one-time 10% enrolment discount. To learn more, visit https://www.aviva.ca/en/journey/faq-app/

Your policy covers the drivers you have listed on it. In Hamilton, Ontario, insurers require you to disclose all regular drivers in your household.

Your policy should list:

• Principal driver: the person who drives the vehicle most often

• Occasional drivers: family members or others in your household who are licensed and under 25 years old

This is not an exhaustive list. Other drivers may also be covered under your policy under permissive use. For example, if someone with a valid driver’s licence borrows your vehicle with your permission, they may have liability and other coverage through your policy. Coverage may be limited or excluded if an unlisted driver is involved in a claim. Speak with an RBC Insurance advisor to make sure all drivers in your household are properly listed on your policy. Call 1-877-749-7224 or request a callback.

To learn more about occasional drivers, see What is an Occasional Driver: A Guide for Car Insurance.

Car insurance in Hamilton, Ontario is regulated. All drivers must carry four mandatory coverages:

• Liability coverage

• Standard Accident Benefits coverage

• Uninsured Automobile coverage

• Direct Compensation for Property Damage coverage (This important coverage can only be removed by speaking to one of our Insurance Advisors)

You can purchase additional coverage for more protection for your vehicle and injuries to fit your needs. Your policy takes effect after you select your coverage and make your first premium payment.

No. In Ontario, valid auto insurance is required before you can register a vehicle or get a license plate. You will need to provide proof of insurance, typically your pink slip, at the time of registration.

Driving without insurance in Hamilton, Ontario is illegal and carries significant penalties.

No. Car insurance premiums in Hamilton, Ontario are exempt from Harmonized Sales Tax (HST).

Getting car insurance in Hamilton, Ontario through RBC Insurance is straightforward. To get started:

• Have your driver’s licence and vehicle information ready, along with details about any previous claims or traffic convictions

• Get a personalized quote online or by speaking with an insurance advisor

• Select your coverage and confirm your policy details

• Your coverage begins once your policy is confirmed. Speak with an RBC Insurance advisor to confirm your payment details and coverage start date. Call 1-877-749-7224 or request a callback.

Your pink slip, which serves as proof of insurance, is issued once your policy is active. It’s required for vehicle registration in Hamilton, Ontario.

Yes. All vehicles driven in Ontario must be insured. When renting a car in Hamilton, Ontario, you have a few options to meet this requirement:

• Purchase coverage directly through the rental company

• Check whether your existing auto insurance policy extends to rental vehicles

• Check whether your credit card provides rental vehicle coverage. Be sure to review the coverage limits, terms, conditions, and exclusions, as credit card coverage is not the same as an auto insurance policy

Before renting in Hamilton, Ontario, confirm your coverage with your insurance advisor to avoid gaps in protection. Call 1-877-749-7224 or request a callback.

For more information about renting a car in Hamilton, Ontario, see Renting a Car? Understand Your Insurance Options.

Most RBC auto insurance policies in Hamilton, Ontario are issued for a 12-month term. Short-term coverage is not widely available, but options may include:

• A standard policy cancelled early, cancellation fees may apply

• Being added as an occasional driver on an existing policy

• Specialty short-term coverage through select providers (not available through RBC Insurance or Aviva)

Speak with an RBC Insurance advisor to find the right fit for your situation. Call 1-877-749-7224 or request a callback.

Yes. You can make changes to your auto insurance policy at any time in Hamilton, Ontario. Common changes include, but are not limited to:

• Adding or removing drivers

• Updating your coverage or limits

• Changing an address

Keep in mind that mid-term changes or cancellations may result in fees or premium adjustments. Speak with your RBC Insurance advisor before making any changes to understand what applies to your policy. Call 1-877-749-7224 or request a callback.