Quote data from MyChoice.ca, November 2024
The Best Car Insurance Brokerages in Chatham
Car insurance brokers answer questions and compare policies to help you find the best deals. Here are some brokerages in Chatham that you can contact for auto insurance assistance:
| Brokerage | Address | Phone Number |
|---|---|---|
| BrokerLink | 380 Queen St #1, Chatham ON N7M 2H6, Canada | +15193545115 |
| Advanced Insurance Brokers Inc. | 825 Park Ave W, Chatham-Kent ON N7M 0N1, Canada | +15193979333 |
| Programmed Insurance Brokers Inc. | 311 St Clair St, Chatham ON N7L 3J8, Canada | +15193521550 |
Most Expensive Postal Codes in Chatham
The average annual car insurance premium in Chatham is $1,450, less than Ontario’s average of $1,718/year.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| N7L | $1,494 |
Quote data from MyChoice.ca, November 2024
Least Expensive Postal Codes in Chatham
Meanwhile, the postal code N7M has a lower insurance rate than the city average. Here’s a look at the cheapest area for auto insurance in Chatham:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| N7M | $1,418 |
Quote data from MyChoice.ca, November 2024
Car Insurance Cost in Chatham by Age
Age impacts your premiums because it’s part of the insurer’s risk calculations. Young drivers pay more because they’re inexperienced, while older drivers pay more because they’re more likely to be harmed in an accident.
Here’s a look at how age influences your insurance premiums:
| Age | Average Annual Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $5,176 | $1,030 |
| 21-24 | $2,957 | $588 |
| 25-34 | $1,972 | $392 |
| 35-44 | $1,450 | $289 |
| 45-54 | $1,189 | $236 |
| 55-64 | $1,010 | $201 |
| 65+ | $1,152 | $229 |
Quote data from MyChoice.ca, November 2024
Car Insurance Cost in Chatham by Driving History
Insurers use your driving history to measure accident risk. Drivers with many violations on their record get higher rates because they’re more likely to re-offend, while safe drivers with clean records get lower rates because their accident risk is lower.
Driving violations and demerits in Ontario “reset” after two years, but insurers may check your record as far back as 10 years when measuring your accident risk.
Here’s how different violations impact your car insurance premiums:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,450 |
| Insurance cancellation due to non-payment | $2,378 |
| Licence suspension for alcohol-related offences | $1,739 |
| One accident | $3,189 |
| Speeding ticket | $1,885 |
Quote data from MyChoice.ca, November 2024
Driving in Chatham
Chatham is widely known as the classic car capital of Canada, thanks to its long history in automotive manufacturing. The city has strong ties to the Black community, with many escaping to this city from the US.
With its rich cultural heritage and beautiful lakeside views, Chatham is a great place to live. But is it a great place to drive in? Check out the key facts about driving in Chatham:
- Major highways in Chatham: 401
- Public transit options: CK Transit (bus), Via Rail (train)
- Ridesharing services: Uber, Lyft
- Parking space providers: The City of Chatham, private lots
- Top tourist attractions: Kingston Park, Chatham Capitol Theatre, Thames Art Gallery, The Chatham-Kent Black Historical Society & Black Mecca Museum, C.M. Wilson Conservation Area
- Busy intersections: McNaughton Avenue and St. Clair Street, Queen’s Line and Martin Road
- Airports: Chatham-Kent Municipal Airport
Main Mode of Commuting in Chatham
Chatham is widely known for its strong car culture, so it stands to reason that most of its commuters prefer personal vehicles. 93% of the city’s commuters take their car to work, whether they’re driving or riding. Public transit is the least-popular method of travel, with just 160 people preferring it. Check the table below to learn more about how Chatham’s residents commute:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 36,460 | 100.0 |
| Car, truck or van | 33,910 | 93.0% |
| Car, truck or van – as a driver | 31,145 | 85.4% |
| Car, truck or van – as a passenger | 2,760 | 7.6% |
| Public transit | 160 | 0.4% |
| Walked | 1,545 | 4.2% |
| Bicycle | 290 | 0.8% |
| Other method | 560 | 1.5% |
Commuting Duration in Chatham
Despite its commuters’ clear preference for cars, commuting in Chatham is reasonably quick. Around 75% of its commuters spend under 30 minutes on the road, while people who spend over an hour travelling to work are rare at only 5%. Here’s a look at the commuting duration in Chatham:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 36,460 | 100.0 |
| Less than 15 minutes | 17,780 | 48.8% |
| 15 to 29 minutes | 9,735 | 26.7% |
| 30 to 44 minutes | 5,270 | 14.5% |
| 45 to 59 minutes | 1,795 | 4.9% |
| 60 minutes and over | 1,885 | 5.2% |
Driving Conditions in Chatham
Snow and rain affect auto insurance rates because they impact your driving risk. Here’s an overview of driving conditions in Chatham:
- Average daily commute time: 38 minutes round trip
- Average annual rainfall: 54.1 mm
- Average annual snowfall: 30.9 mm
- Rainy days per year: 155 days
- Rainiest month in Chatham: May
- Driest months in Chatham: January, February
- Snow days per year: 57 days
Snowfall months in Chatham: October – May
Traffic in Chatham
Chatham is a small town of around 100,000 people, so traffic is relatively light. However, it’s still a good idea to know the key traffic stats so you can manage driving risk.
Here’s a quick look at the traffic in Chatham:
- Population: 104,316 people live within Chatham’s city limits.
- City area: Chatham’s city area spans 2,457.90 km2.
- Time spent in traffic annually: The average Chatham resident spends 38 minutes in traffic daily, totalling roughly 231 hours per year.
- Busiest highways: Chatham sits just off Highway 401, North America’s busiest highway that sees 500,000 vehicles pass through it daily.
The Most Common Questions About Car Insurance in Chatham
How much does Chatham car insurance cost?
The average car insurance cost in Chatham is $1,412/year.
Is car insurance cheaper in Chatham than in London?
Chatham’s annual car insurance rate is cheaper than London’s by over $200.
How can you get cheaper auto insurance in Chatham?
Compare car insurance rates in Chatham with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.