Auto Insurance in Hamilton


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Hamilton Auto Insurance with Oracle RMS

If you reside in Hamilton and own a registered vehicle, it is important to have auto insurance. Driving without car insurance in Hamilton is a very serious offence; you can be fined for a first conviction of a minimum of $5,000.00.

Located in southern Ontario, the City of Hamilton is home to a population of 10,942 people. The population of Hamilton is growing 0.1% per year for the past 15 years. It is nestled between the Niagara Escarpment, which means mountains within the city divide Hamilton into upper and lower parts of the city.

To navigate through this, many drivers use the QEW and the 403 highway to commute. To commute between Niagara and Toronto, drivers must use these highways.

With that being said, it is important for drivers to make sure they have the right car insurance in Hamilton for their vehicles since the main routes for drivers are to take these main highways.


When you purchase Car Insurance in Hamilton Ontario with Oracle RMS, you are insuring your vehicle, all listed drivers, and any loss or damages resulting from a car accident.

By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest car insurance rates in Hamilton that best suit your unique needs.We are determined to give you an appropriate solution for the best car insurance rates and coverage for any type of driving record. We are proud to be partnered with a wide range of insurance companies who can provide a variety of car insurance quotes for all Hamilton residents.

At Oracle RMS, you will work along with one of our licensed insurance brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.


Hamilton Car Insurance Coverage

Auto insurance will protect and provide coverage for your vehicle(s), all listed drivers and any loss or damages. In Ontario, it is required to include and purchase the following car insurance coverage below:

Third Party Liability Coverage:

This section of a car insurance policy will provide coverage to protect the insured if a third-party has been injured or have succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

Uninsured Automobile Coverage:

This coverage will protect the insured and their family, should they be injured or killed by a hit-and-run driver or by an uninsured motorist. It will also provide coverage to the insured’s vehicle caused by an identified uninsured driver.

Direct Compensation – Property Damage (DC-PD) Coverage:

This section of a car insurance policy covers damage to the insured’s vehicle and its contents and for loss of use of their vehicle or its contents in the case of an accident, for which the insured was not responsible for. Since it was another individual who caused damage, the insured will collect direct compensation from their insurer.

Statutory Accident Benefits Coverage

This will provide the insured with benefits if they are injured in an auto accident, regardless of who caused the accident. This includes medical, rehabilitation and attendant care benefits and income replacement benefits.

Whether customers are shopping for car insurance, are informed about their upcoming auto policy renewal or are looking to save money on their current insurance policies, overall, it is important to be informed about auto insurance and how a policy works.

The Right Coverage For You

At The Best Price

Driving Statistics in Hamilton Ontario


Overall, there are a total of 183,830 drivers in Hamilton Ontario, which equals 91.50%. 99,285 of those Hamilton drivers are male, while the remaining 84,545 of Hamilton drivers are female. In addition, there are a total of 17,350 Hamilton passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Hamilton residents are public transit with a total of 25,540 bus commuters, while 11,210 residents choose to walk to their workplace, leaving 2,245 residents to ride their bike. Meanwhile, another 2,120 Hamilton residents find other methods of transportation.

Majority of commuters in the City of Hamilton leave their homes to get to work from 6:00 AM to 6:59 AM, therefore the roads are at their busiest within that time frame. The second busiest time for commuters to leave their homes to head to work is from 7:00 AM to 7:59 AM, which is 23.78%. However, 885 commuters would still prefer to leave later to get to work between 8:00 AM to 8:59 AM.

Driving Facts in Hamilton Ontario


North Hamilton has many two-way streets and is a busy area of the city. South Hamilton has many more one-way streets which is an important fact to know about navigating the city.

The centre of Hamilton’s most popular and used driving route is downtown Jackson Square Mall at Gore Park. This area is very busy with pedestrians and paying attention to pedestrians in the busy area is important.

To avoid one-way streets or busy two-way streets in Hamilton, hop on the expressway or the 403 highway to get where you want to be quicker.

Getting insured is quick and easy!

Auto insurance is what you need, get a quote online. Takes less than two minutes!

Words From Our Customers

“I’ve used Oracle RMS for my insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
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“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me a great rate. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
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