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. That doesn't mean you still 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 make sure you get the protection you need for the most affordable price. Get a quote online or give us a call to save more on auto insurance in Kingston.
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See all reviewsAlexis French
2023-11-30
Todd Allen, thank you for your support. Convenient, knowledgeable and quick. Explained all the details and was thorough to get our family the best coverage for less. Highly recommend to friends and family.
Oluwakayode Oladapo
2023-11-25
I had been worried about getting the right insurance policy for my car till I spoke with Evan Venditti at ThinkInsure. He spent quality time discussing all options available to me based on my situation. I didnt inform him I had previous quotes from other brokers so I knew what I was looking for but he talked me through everything, was very patient with me and ended up giving me the best price available in the market(I know this cos I had shopped around!). The signup and payment process was very seamless and he had everything sorted out for me in minutes! I would recommend ThinkInsure to anybody and do ask to speak to Evan if you call them!
Orin Monize
2023-11-09
I was shopping around for insurance for a while. I checked many different insurance brokers and companies and Think Insure was able to get me the absolute best rates. Todd Allen was my representative and he was amazing to deal with and made my process a painless process. Thank You very much Todd and Think Insurance 🙏🏽
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.
All drivers must have $200,000 in third-party liability protection. All basic plans include:
You have the choice to expand your plan by adding optional coverage and endorsements.
Kingston is known for having some of the best car insurance rates in Ontario. Drivers in Kingston pay $300 to $500 less for premiums than the provincial average. With a clean driving record, you could pay as low as $1,100 per month. Less traffic, fewer accidents, and safer driving conditions are key reasons why drivers pay less.
Here is how Kingston compares to other cities in the province for car insurance rates:
2020 data from the Insurance Bureau of Canada
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 |
|---|---|
| 2023 | $1,812 |
| 2022 | $1,019 |
| 2021 | $1,791 |
| 2020 | $1,879 |
| 2019 | $1,376 |
| Average rate (2019-23) | $1,575 |
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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 with 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% |
*****
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 |
****
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 |
***
Check rates from the leading providers to make sure you are not overpaying for auto insurance in Kingston. Compare free quotes in just a couple of minutes!
Get startedWith Highway 401 going through the area, there is a lot of traffic that 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 make sure you are insured properly and are getting a good deal on your policy.
See below for information on roadways, top attractions, parking, and transportation in the city:
As a more northeastern city in Ontario, the region experiences a lot of 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 in knowing you have protection in place should you need it.
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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 north end of the city, with Highway 15 and Interstate 81 also being busy routes to and from the city.
While there is a good number of daily commuters, accident, and vehicle theft numbers are low compared to other regions. There are over 72,000 daily commuters. 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:
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!
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 gives you the chance to assess your needs, shop around, and find new discounts.
If you want to get the lowest rate in Kington it’s important to compare 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.
Sources
* 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, 2023, for drivers with a clean driving record.
** Estimated prices are based on data entered by drivers with a clean driving record living in Kingston on ThinkInsure.ca.
*** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2022.
**** Estimated premiums are based on data entered by people on ThinkInsure.ca from January 1, 2021, to October 1, 2022.
***** Data from online quotes completed from April 2019 to April 2023.
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