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Chatham's best auto insurance rates

Even though it's a smaller town, Chatham residents pay higher than average car insurance rates. With premiums rising (and the cost of living), putting more time into comparing insurance quotes and saving money has become even more critical.

ThinkInsure makes comparing quotes and coverage as easy as possible. We'll check car insurance rates in Chatham-Kent from the top insurance companies in Canada. You’ll find the lowest premiums. Get started by comparing quotes online, or give us a call. Our advisors will ensure you get the coverage you need for the lowest rate.

Top things to know about Chatham car insurance

Chatham car insurance is higher than the provincial average.
Drivers pay an average of $1,929 per year for auto insurance in Chatham.
Auto premiums are back up to pre-pandemic levels in Chatham-Kent.

How to compare car insurance quotes in Chatham

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How does auto insurance work in Chatham?

Chatham drivers follow the same Ontario car insurance rules as the rest of the province. Insurance is mandatory - including a minimum of $200,000 in third-party liability. You can get additional coverage to customize your policy. Speaking of policies, you can get them through a private insurance company via an insurance broker.

What if you drive without insurance? If you get caught, fines start at $5,000 if you drive without insurance.

All insurance policies are in effect for one year. At renewal, you can compare quotes to decide whether to renew or switch providers (don’t worry - our brokers can help you with this!).

What is the mandatory car insurance in Chatham?

All insurance policies include a minimum amount of coverage. Here is a brief explanation of what you get:

Third party liability insurance: You have liability protection after an at-fault accident. Basic policies include $200,000 in coverage. Most drivers increase this to at least $1 million in protection.
Statutory accident benefits: You have access to medical assistance if you or any passengers are injured.
Uninsured motorist: You have protection if an uninsured driver hits your vehicle or injures you, including hit-and-runs.
Direct compensation property damage: DCPD covers accident damage when you are not at-fault. As of January 1, 2024, DCPD is not mandatory, but it will be included in your policy unless you opt out by using OPCF 49.

What optional car insurance coverage is available in Chatham?

There are many ways for Chatham residents to personalize their car insurance to address their transportation needs. In addition to basic coverage, there are four main types of optional coverage to consider:

Collision insurance: This covers vehicle damage from collisions damage from objects, such as a fallen tree or street signs. Most people include this coverage.
Comprehensive insurance: This is protection from non-driving events. For example, someone scratches or dents your car in a parking lot when you’re in the store.
All perils insurance: This is a combination of comprehensive and collision coverage.
Specified perils insurance: You have protection against the perils that are listed in your policy.

You can also add policy endorsements to customize your coverage further.

Recent Chatham car insurance quotes

2024/12/09

Shopper in CHATHAM, ON
Vehicle: BMW 128i 2DR 2008
GORE	$1,384
Intact	$1,534
Wawanesa	$1,584
CAA My Pace	$1,647
Savings from the top 4 lowest quotes	$263

2024/12/09

Shopper in CHATHAM, ON
Vehicle: BMW 128i 2DR 2008
GORE	$1,384
Intact	$1,534
Wawanesa	$1,584
CAA My Pace	$1,647
Savings from the top 4 lowest quotes	$263

5 star reviews for car insurance in Chatham

Rated 4.7 out of 5 stars in 1463 Google reviews

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Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

How much does car insurance cost in Chatham?

Car insurance in Chatham is about $1,929 per year. Drivers with a clean record can expect a monthly premium of around $160. This is higher than the Ontario provincial average of $1,737.

How do Chatham auto insurance rates compare to nearby cities?

Chatham is one of the more expensive areas for insurance in Chatham-Kent and Southeastern Ontario. Here’s a comparison of premiums from other towns in the region:

City	Avg premium
Ridgetown	$2,797
Tilbury	$2,054
Chatham	$1,929
Wallaceburg	$1,560
Dresden	$1,170
Blenheim	$1,151

Chatham car insurance rates from 2019-2023

While rates dipped during the pandemic, Chatham auto insurance premiums are now higher than pre-pandemic levels. Costs took a big jump in 2023 compared to previous years.

Year	Average annual premium
2023	$1,929
2022	$1,688
2021	$1,439
2020	$1,522
2019	$1,905
Average rate (2019-23)	$1,638

Chatham car insurance FAQs

How do I get cheap car insurance in Chatham?

Getting cheaper auto insurance has much to do with your vehicle and driving habits. You have control of how you drive. Here are some considerations to help you get more affordable premiums:

Keep a clean driving record
Avoid filing claims unless necessary
Shop around annually to find savings
Choose an insurance-friendly vehicle
Drive less. Sign up for used based insurance
Add aftermarket security features to protect your vehicle
Bundle home and auto insurance

What factors affect how much I pay for auto insurance in Chatham?

Insurance companies consider many factors when assessing your level of risk and setting your premiums. Here are the factors that hold the most weight:

Age, gender, marital status
Years of driving experience
licence type (G, G2, G1)
Vehicle type (new or used, SUV, car, pickup)
Vehicle use (commute length, business use, kilometres travelled)
Driving record
Claims history (how many and the average cost)
Policy type and plan limits

What are the top Chatham insurance companies?

There are lots of insurers who can offer car insurance to Chatham residents. But they are not all created equal. Product and service offerings, discounts, and custom services will vary. So, you should compare your options based on your specific needs. ThinkInsure has many top insurance companies to consider. Let our brokers help you compare insurance quotes from all the best companies to find the right policy at the lowest rates.

Get a Chatham car insurance quote and save

More affordable car insurance in Chatham is attainable. And it’s only a click or call away. Tell our brokers what you want, and we’ll find the best premiums and coverage from Canada's leading insurance companies. Get quotes online or contact us; we'll help you get insured for a competitive rate.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Chatham for estimates completed from January 1, 2023, to January 31, 2024, for drivers with a clean driving record.

** Estimated prices are based on data entered by drivers with a clean driving record living in Chatham on ThinkInsure.ca from January 1, 2023, to January 31, 2024.

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Chatham Car Insurance

We help drivers save $535* on their car insurance in Chatham-Kent.

Compare Chatham car insurance quotes from top providers

Chatham's best auto insurance rates

Top things to know about Chatham car insurance