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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

2024/10/12

Shopper in CHATHAM, ON
Vehicle: SUBARU CROSSTREK SPORT 5DR AWD 2023
CAA Connect	$1,321
Intact	$1,351
CAA	$1,392
Travelers	$1,694
Savings from the top 4 lowest quotes	$373

2024/10/07

Shopper in CHATHAM, ON
Vehicle: HONDA HR-V EX 4DR 2WD 2016
CAA Connect	$1,049
CAA	$1,104
Economical	$1,138
Intact	$1,206
Savings from the top 4 lowest quotes	$157

5 star reviews for car insurance in Chatham

Rated 4.7 out of 5 stars in 1448 Google reviews

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steve jonkhans

2024-09-26

i used thinkinsure to navigate a complicated car insurance situation after my prior broker could not find me the insurance i required. Denise Snyder Phillips was my agent and she was extremely helpful, efficient and responsive. Highly recommend thinkinsure for your insurance needs and ask for Denise!

Carrie Crump

2024-09-24

Young man is super amazing and caring . Top top notch service !!! Very kind gentleman

DJ G

2024-09-24

I was shopping around for some new auto insurance rates as my current policy was ending soon and was looking for cheaper premiums. I called ThinkInsure, and Todd helped me with the process start to finish. Communication with him after my initial phone call was flawless through email, often replying right away during business hours. He was easy to ask questions and provided multiple quotes to me when I needed to make some changes. I ended up getting better coverage for a much lower premium compared to my current provider with ThinkInsure. Thanks Todd for the seamless experience and helping me get setup!

Philip Witteveen

2024-09-23

Denise is fantastic! She is so kind and patient and works hard to listen and provide you with the best insurance available to you. Denise also continues to look for the cheapest options for you that provides you with the top notch coverage. I would highly suggest connecting with Denise if you're looking for great insurance, good prices, and to work with someone that actually cares. 5 star plus!

Cassandra Brookes

2024-09-20

I had been in the market for new insurance for a while, not getting many great quotes and then I come to find Todd Allen through ThinkInsure and have only great things to say about my experience. Knowledgeable, honest, responsive and made insuring my vehicle a breeze. Within 4 emails back and forth, signing e documents and a final email to confirm I was set up and ready to go. Could not recommend his services enough! Thanks Todd !!

Ginny Sweet

2024-09-19

I was in a difficult situation trying to renew my insurance after my last company stopped providing insurance. Bailey made the whole process quick and easy. I had paperwork signed and documents to me within a few hours of our initial conversation. I am forever grateful

Durai samy Easwarakumar

2024-09-18

Todd Allen such a nice auto insurance advisor Doing a excellent service 👍buy the costumer’s satisfaction to get an cheaper code in the current market 😀

Jenniffer

2024-09-17

great service, sohel rahman was incredible helping us get the insurance we needed, thank you!

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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2024-11-20

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