How much is car insurance in Kingston?
Kingston is known for having some of Ontario's best car insurance rates. The average rate in 2024 is $ 1,678. Drivers in Kingston pay slightly less for premiums than the provincial average. Less traffic, fewer accidents, and safer driving conditions are key reasons why drivers pay less.
Here’s a breakdown of how much you can expect to pay:
- Annually: $ 2,067
- Semi-annually: $ 1,033.50
- Quarterly: $ 516.75
- Monthly: $ 172.25
- Weekly: $ 39.75
- Daily: $ 5.66
Rates are based on ThinkInsure customer quote data for Q1 2024 (Jan 1 to March 15, 2024)
Kingston auto insurance premium map
Here is how Kingston compares to other cities in the province for car insurance rates:
Sources: *FSRAO
2023 ThinkInsure customer quote data. Drivers with a clean driving record and standard coverage
Kingston car insurance rates from 2019-2024
The volatility of insurance rates necessitates regular modifications, influenced by insurers' assessment of data encompassing claims, repair expenses, accidents, and various other considerations. Furthermore, your driving record and potential eligibility for additional discounts can contribute to these fluctuations in rates.
As you can see here, there has been a lot of fluctuation in rates in the Kingston region in recent years:
| Year |
Average annual premium |
| 2024 |
$ 1,678 |
| 2023 |
$ 1,732 |
| 2022 |
$ 1,019 |
| 2021 |
$ 1,791 |
| 2020 |
$ 1,879 |
| 2019 |
$ 1,376 |
| Average rate (2019-24) |
$ 1,663 |
**
Kingston auto insurance premiums by driver type
How much you pay for insurance is influenced by you. Insurance providers consider factors such as age, demographics, driver classification, and driving record when determining your premiums. To analyze the effect of these factors on your payments, we reviewed our Kingston customer quote data. Here's what we learned:
| |
Premium |
Monthly |
Difference |
| Driver type |
| All drivers |
$ 1,641 |
$ 137 |
0 |
| Young drivers (25 and under) |
$ 2,272 |
$ 189 |
38.45% |
| Middle age (25 - 50) |
$ 1,560 |
$ 130 |
- 4.94% |
| Mature/senior drivers (50+) |
$ 1,351 |
$ 113 |
- 17.67% |
| High risk drivers |
$ 4,105 |
$ 342 |
150.15% |
| Demographics |
| Male |
$ 1,740 |
$ 145 |
6.03% |
| Female |
$ 1,534 |
$ 128 |
- 6.52% |
| Married |
$ 1,302 |
$ 109 |
- 20.66% |
| Single |
$ 1,788 |
$ 149 |
8.96% |
| Driving record |
| Clean driving record |
$ 1,641 |
$ 137 |
0 |
| 1 ticket within the past 3 years |
$ 1,663 |
$ 139 |
1.34% |
| 1 accident in 3 years |
$ 1,963 |
$ 164 |
19.62% |
| 1 cancellation in 3 years |
$ 1,756 |
$ 146 |
7.01% |
| 1 suspension in 3 years |
$ 2,044 |
$ 170 |
24.56% |
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Auto insurance rates in Kingston compared to local cities nearby
Kingston is one of the more affordable cities for car insurance in the province. It’s typically cheaper than most cities:
| City |
Avg premium |
| Cornwall |
$ 2,082 |
| Belleville |
$ 1,716 |
| Ottawa |
$ 1,687 |
| Kingston |
$ 1,594 |
| Brockville |
$ 1,530 |
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What areas in Kingston have the cheapest car insurance?
The area of your residence within a city can influence your insurance expenses. In Kingston, the variation between postal codes could result in a difference of about $200 per year. If you have plans to relocate, this is a significant factor to bear in mind. See how postal codes compare:
| Area in City of Kingston |
Postal Codes |
Avg Premium |
| Rideau Heights, Amherstview |
K7K, K7N |
$ 1,580 |
| Woodlands, Hillendale, Cataraqui |
K7M, K7P, K7L |
$ 1,705 |
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