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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

2024/08/27

Shopper in CHATHAM, ON
Vehicle: JEEP RENEGADE SPORT 4DR 2WD 2016
CAA My Pace	$2,206
CAA Connect	$2,778
GORE	$2,844
CAA	$2,923
Savings from the top 4 lowest quotes	$717

2024/08/17

Shopper in CHATHAM, ON
Vehicle: jeep RENEGADE SPORT 4DR 2WD 2016
CAA My Pace	$2,311
CAA Connect	$2,736
GORE	$2,832
CAA	$2,881
Savings from the top 4 lowest quotes	$570

5 star reviews for car insurance in Chatham

Rated 4.7 out of 5 stars in 1428 Google reviews

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Kathleen Matthews

2024-08-13

Denise Phillips was extremely helpful and found us the best insurance option for our situation. She was responsive, knowledgeable, and very friendly! Thank you!!

valerie armstrong

2024-08-08

Denise was absolutely splendid i was having a rough day, she was able to help calm me down and she listened! She found me a better quote then i could ask for!! Denise was amazing!! Ask for her when you call! She’ll go above and beyound for you. So happy and thankful i came across you Denise, your honestly god sent, and a wonderful person. Thank you so much!! :)

Bluemoon

2024-08-08

I was coming to tail end of my auto insurance renewal and wanted to shop around due to the dramatic price hike. I was glad to give ThinkInsure a call and quickly reached Denise Snider Phillips who was amazing and friendly to deal with! I recommend Denise for your insurance needs. She’s a real expert in her field and made my insurance search and renewal a quick and smooth process! Thank you Denise for your amazing service!

Sara Pérez Álvarez

2024-08-08

Pooyan Saeidi has been our Insurance Broker for years taking care about our rental condo insurance and he makes always an amazing job! Nice person and great service! He always reminds you the renewal before it expires looking for the best price and services for you. We highly recommend him and ThinkInsure!!

Ellen Hay

2024-08-06

Today, I had an opportunity to speak to Denise Snyder Phillips. i was unhappy with a part of my policy. She was patient and attentive with me. She was also well informed and helped me to understand my policy. I really appreciated her assistance. I wish her well! Ellen Hay

Creative Village

2024-08-01

I've been with Thinkinsure for about a year now, and I have to say that Betsy Bannon is the main reason I'm still a happy customer. As a grassroots non-profit founder and Executive Director, I didn't know much about insurance when I first started. Betsy was incredibly patient with all of my questions and really took the time to listen to my concerns. She's efficient, and detail-oriented, and has created a trusting environment for me to get my insurance needs sorted out. I always go directly to Betsy when I need insurance for my non-profit organization because of the exceptional service she provides. She's the only broker I've worked with at Thinkinsure, and I really value the great experience she consistently delivers!

Adam Thompson

2024-08-01

We worked with Todd A. to get both our home and auto insurance covered. He was awesome, easy to talk to and prompt with all his responses and help. I will definitely go with ThinkInsure next year and hope Todd is still there when the time comes.

Moll

2024-07-31

Received a quote from Betsy. What a fabulous experience! She is so personable and knowledgeable. I would definitely recommend her! Thanks again Besty 😀

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.

Insurance Blog And News

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2024-09-06

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