Written by
Nolan Wilson
Updated on June 12, 2025
min read
Looking for auto insurance in Kingston?
Kingston is known for many things, such as being the first Capital of Canada, its strong military presence, and having some of the lowest car insurance rates in the province. However, that doesn't mean you can't save on your policy.
At ThinkInsure, we can help you compare quotes and coverage from the top insurance companies in Canada. This means better auto insurance protection and savings for Kingston drivers. Our advisors will ensure you get the protection you need for the most affordable price. Get a quote online or call us to save more on auto insurance in Kingston.
Top takeaways about Kingston car insurance
Kingston car insurance premiums in 2025 are $1,567.
Rates have increased by only 1.49% since last year.
Auto coverage premiums are significantly lower than the provincial average by about $500 annually.
Besty was incredibly kind and helpful during a stressful time. I had no idea that a handheld ticket would result in my insurance company dropping me. It was a year after the ticket that I was informed of this so I was shocked and stressed. Besty assured me that we had time to figure out a solution and she worked around my busy schedule to find me the best insurance products to suit my situation. Besty is a 10/10 recommend!!!
e t
2025-05-01
I cannot say enough great things about Todd A! From start to finish, he provided an exceptional customer experience that truly stood out. Not only was he incredibly knowledgeable and efficient, but his kindness and cheerful attitude made the process smooth and absolutely stress-free. What could have been overwhelming was instead seamless and easy, thanks to his reassuring guidance and expertise. He was always quick to respond, informative, and genuinely invested in ensuring I got the best coverage for my needs—all while making sure I felt comfortable and confident every step of the way.
His level of professionalism and warmth turned what could have been a daunting task into an absolute pleasure. If you're looking for someone who goes above and beyond to provide top-tier customer service, look no further than Todd A at ThinkInsure. Thank you for making this experience effortless and enjoyable, you made this all happen for me!
Carl Cronkhite
2025-04-24
I highly recommend ThinkInsure when looking for Insurance, Betsy Bannon was a huge help! As a high risk driver it was very difficult to find a premium i could afford and only had a few weeks to do so. I contacted ThinkInsure and Betsy was able to explain everything and find me a great policy right away. Thank you Betsy!
Keira Busby
2025-04-17
very friendly and willing to help anyway they can! great experience all way round.
Dharma Buyse
2025-04-17
Betsy Bannon was so helpful! I was insuring my new truck with my first personal policy and after one broker went mia on my calls she picked up, although from commercial department, and still handled everything for me within 24 hours! Also she pointed out that previously the drivers history was forgotten about in the prior list of documents that was requested from me. Definitely knows exactly what she’s doing and works great winging it in a different department than her specialty!
I’m a high risk driver for one more year, unfortunately (did not follow cops advisory to fight distracted ticket while checking directions at a red) but she found the best quote for me, and revised this last minuite to find one that further accepted my 8year claim free policy on a commercial registered insurance. She was friendly, prompt to reply, patient, personable, and very knowledgeable. Finding insurance with one more year of this record has been discouraging as a now overly cautious driver, but she made it as seamless as possible
Quentin Chiotti
2025-04-16
Fast, seamless, and efficient. Betsy Bannon was great to work with. Thanks ThinkInsure.
Csaba Deac
2025-04-11
Special Thanks to Betsy Bannon. If you need business insurance , highly recommend her
Kelly Bouchard
2025-04-10
Sohel is amazing!! He responded so quickly and went out of his way to accommodate me. There were a few things I didn’t quite understand and he took the time to explain and reassure me that everything was properly covered. His follow up is so good! I highly recommend his service and expertise. He does all the research and comparisons for you to save you a lot of money! I can’t believe how much I was overpaying with my long time providers. Thanks Sohel!!
How does car insurance in Kingston work?
Getting auto insurance in Kingston is the same as in the rest of the province. Car insurance in Ontario is legally required for all vehicle owners. The FSRAO regulates the industry. You can get coverage from private insurance companies or through a brokerage. Most drivers have more than the minimum to ensure they have adequate protection. You can also enhance your policy by adding optional coverage and endorsements.
Mandatory car insurance in Kingston
All drivers must have $200,000 in third-party liability protection. All basic plans include:
Third-party liability: Insurance coverage that protects you from legal responsibility due to accidents caused by you. For example, you rear-end a vehicle, injure the driver, and they sue you.
Statutory accident benefits: The driver and passengers receive medical coverage and care if there are accident-related injuries.
Uninsured automobile: Coverage for accidents caused by uninsured drivers or hit-and-runs.
As of January 1, 2024, direct compensation property damage (DCPD) is optional. Our insurance brokers can help you evaluate whether removing DCPD is a feasible option for you. If you decide to remove DCPD, your insurance premiums will reduce, but the likelihood of a financial loss will increase. We are dedicated to assisting you in making a well-informed decision.
Optional auto insurance in Kingston
You can expand your plan by adding optional coverage and endorsements.
Collision insurance: Accident-related damages are covered. This includes accidents involving objects such as trees.
Comprehensive insurance: Coverage is available for damages due to non-accidental incidents, such as theft, vandalism, and others.
All perils: Protection against all risks unless specific risks are not included in your policy.
Specified perils: Your policy covers the risks and perils listed within it.
You can enhance your insurance coverage by considering additional protection options such as OPCF endorsements. Some of the most sought-after endorsements include accident forgiveness, rental car coverage, family protection, and depreciation waiver. However, remember that opting for these endorsements will lead to higher insurance premiums.
Latest Kingston car insurance quotes
2025/06/01
Auto insurance shopper in KINGSTON, ON
Vehicle: PONTIAC VIBE WAGON 2005
CAA My Pace
$825
GORE
$926
CAA Connect
$1,189
Intact
$1,191
Savings from top 4 cheapest quotes
$366
2025/05/28
Auto insurance shopper in KINGSTON, ON
Vehicle: HONDA CR-V TOURING HEV 4DR AWD 2023
CAA My Pace
$1,338
Intact
$1,424
Aviva Journey
$1,663
CAA Connect
$1,682
Savings from top 4 cheapest quotes
$344
2025/05/28
Auto insurance shopper in KINGSTON, ON
Vehicle: LEXUS IS 300 4DR AWD 2017
Wawanesa
$2,340
Travelers
$2,395
SGI Canada
$2,420
Intact
$2,462
Savings from top 4 cheapest quotes
$122
How much is car insurance in Kingston?
Kingston is known for having some of Ontario's best car insurance rates. The average rate in 2025 is $1,567. Drivers in Kingston pay almost $500 per year 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: $1,567
Semi-annually: $783.50
Quarterly: $391.75
Monthly: $130.58
Weekly: $30.13
Daily: $4.29
Rates are based on ThinkInsure customer quote data for Q1 2025 (Jan 1 to March 31, 2025).
Expert car insurance advice
Shopping around for car insurance can lead to significant savings. Comparing quotes and coverage from multiple insurers is crucial to securing the right protection at the best price for clients. Insurance brokers streamline this process by efficiently comparing options from various providers. It's also important to regularly review insurance coverage as needs evolve over time.
Felicia Owoyemi
|
Insurance Broker (RIBO)
Ready to talk? We are here to help.
Monday-Friday: 8am-6pm Saturday: 9am-5pm
Kingston auto insurance premium map
Here is how Kingston compares to other cities in the province for car insurance rates:
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, but it has calmed as of late:
Year
Average annual premium
2025
$1,567
2024
$1,544
2023
$1,732
2022
$1,519
2021
$1,791
2020
$1,879
2019
$1,376
Average rate (2019-25)
$1,630
**
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
$1,567
$131
0
Young drivers (25 and under)
$2,272
$189
44.99%
Middle age (25 - 50)
$1,560
$130
-0.45%
Mature/senior drivers (50+)
$1,351
$113
-13.78%
High risk drivers
$4,105
$342
161.97%
Demographics
Male
$1,740
$145
11.04%
Female
$1,534
$128
-2.11%
Married
$1,302
$109
-16.91%
Single
$1,788
$149
14.10%
Driving record
Clean driving record
$1,567
$131
0
1 ticket within the past 3 years
$1,663
$139
6.13%
1 accident in 3 years
$1,963
$164
25.27%
1 cancellation in 3 years
$1,756
$146
12.06%
1 suspension in 3 years
$2,044
$170
30.44%
***
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
$1,536
Belleville
$1,760
Ottawa
$1,700
Kingston
$1,567
Brockville
$1,530
***
ThinkInsure Tip : Consider price and the value of your policy
When choosing car insurance, prioritize coverage and services in addition to price. While cost is a key factor, paying slightly more for a policy with better protection can be beneficial.
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
***
Are you getting a good rate for auto insurance in Kingston?
Check rates from the leading providers to ensure you are not overpaying for auto insurance in Kingston. Compare free quotes in just a couple of minutes!
With Highway 401 going through the area, a lot of traffic passes through. It is also a popular area for tourists to pass by on their journey. As a smaller city, collision threats are reduced compared to other cities in the province.
Even though Kingston is a safer city for drivers, having proper car insurance is still important. Speak with your advisor to ensure you are insured properly and getting a good deal on your policy.
See below for information on roadways, top attractions, parking, and transportation in the city:
Highways
Highway 401
Highway 15
Public transit
Kinston Transit
Megabus
Border crossings
Thousand Island Border Crossing
Ride-sharing
Uber
Top attractions
Kingston Penitentiary
Fort Henry National Historic Site
Kingston Waterfront
Lemoine Point Conservation Area
Bellevue House National Historic Site
Road trips
Thousand Islands
Frontenac Provincial Park
Sandbanks
Prince Edward County
Calabogie
Parking
City of Kingston
Airports
Kingston Airport
Worst intersections
Cataraqui Street and Rideau Street
Sydenham Road and Unity Road
John Counter Boulevard and Sir John A. Macdonald Boulevard
Auto insurance for the driving conditions in Kingston?
Kingston is a more northeastern city in Ontario, and it experiences many adverse driving conditions. Rain and snow are commonplace, making it important for drivers to stay aware while driving. Having a good auto insurance policy in Kingston will give you peace of mind, knowing you have protection in place should you need it.
20 mins
Avg. daily commute time
830 mm
Avg. annual rainfall
649 mm
Avg. annual snowfall
170
Rainy days per year
68
Snow days per year
Kingston driving tips
As a midsized town, the city is known for its relatively safe driving conditions. The area sees plenty of traffic from residents, people from the surrounding towns, and people passing through to cross the border into the United States. Traffic is aided by the fact that the 401 crosses through the city's north end, with Highway 15 and Interstate 81 also being busy routes to and from the city.
While there are over 72,000 daily commuters, accident and vehicle theft rates are low compared to other regions. The city experiences more than 1,700 collisions per year.
Winter driving is a huge factor in Kingston, a reason to ensure you have high-quality winter tires and a good policy.
Here are some helpful driving tips to ensure you drive safely:
Check the border crossing times if you plan to visit the U.S.
Make sure you install winter tires in advance of the winter driving season.
Avoid distracted driving and always keep your focus on the road.
Drive carefully when approaching Queen’s University and the other colleges in town.
Give yourself enough time to arrive at your destination on time.
Make sure you travel with an emergency kit in your vehicle, especially during the winter months.
Make a note of construction zones and avoid them.
Following these driving tips and advice will ensure you are ready for anything when driving. Be confident behind the wheel, knowing you have affordable coverage and the best protection. We look forward to helping you with all your auto insurance needs!
Kingston car insurance FAQs
Even though car insurance rates in Kingston are lower than in most other parts of the province, it’s important to take steps to keep your premiums down. Driving safely and staying claims and accident-free is a great start. It’s also essential to get a quote annually. This lets you assess your needs, shop around, and find new discounts.
If you want to get the lowest rate in Kington it’s important to get car insurance quotes from multiple providers. At ThinkInsure, our experts have access to rates and coverage from many different insurance companies. It only takes a couple of minutes of your time to see quotes online or to call us and we can do it for you.
Getting a quote for car insurance is simple for Kingston drivers. You will need your driver’s license, vehicle information (make and model), driving information, and an idea of the types of protection you need. You may need to supply additional information to complete your quote.
Start saving on Kingston car insurance
Quickly find the lowest rates and get insured with ThinkInsure. We make it easy for Kingston drivers to compare car insurance rates from Canada's top insurers. It only takes a couple of minutes to save more!
* Based on the difference between the average lowest premium and the overall average premium in Kingston for estimates completed from January 1 to March 31, 2025, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers from 2019-2025 with a clean driving record living in Kingston on ThinkInsure.ca.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from January 1, 2025, to March 31, 2025.
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
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