Written by
Nolan Wilson
Updated on June 12, 2025
min read
Looking for better 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.
Patrick worked diligently in insuring that our businness is sufficiently covered given changes to tenants, tyope of business and up grades.
He is very conscientious and work collaboratively to build good a good working relationship.
Thank you agaib Patrick for all your efforts.
Stephen Johnston
2026-07-09
I contacted ThinkInsure sure for last minute insurance for my house while I was renovating. My sales broker was Dylan Smith, and he was excellent. He was extremely communicative and proactive and talked me through all the steps of applying for my insurance policy. Because it was somewhat last minute, he also bent over backwards and communicated with the insurance company to make sure I got my insurance effective on the day I needed it. I couldn’t have experienced better service.
Steven Liao
2026-07-08
I have been getting parent super visa insurance from Think Insurance for past 2 years. Parminder helped us in getting the coverage needed and everything had been smooth.
Natalia Cizmanski
2026-06-17
I connected with Dylan Smith @ ThinkInsure and it was a smooth, effortless process from start to finish. He took time to go back and forth with me via email due with questions, answers etc. He was clear and transparent the entire time and values consumer relations. Will absolutely be back in contact with him for future insurance needs.
Mykee Ceo
2026-06-10
Great professional conduct by Todd ,impressive,a fair price and all completed within 2 hours....
Ryan Arrubla
2026-05-14
I was helped out by Dylan Smith at think insure. This was a great experience. This is one of my first time dealing with insurance and he made this an incredibly easy and informative processes.
Talking to him really made me feel like he cared about getting me the best option for my situation. He knew I was new and walked me through everything like he truly cared. He was patient and really made sure I understood how it all worked and all the options. I had a good gut feeling with him.
I would definitely recommend this broker. Not to mention this was the cheapest quote I got of all the brokers I called.
Dylan Huggins
2026-05-12
Dealt with Dylan S. He was very efficient and helpful and got me set up with new insurance quickly. Thanks
Jamie MacDonald
2026-05-07
Dylan Smith was a fantastic rep! Enjoyed our conversations and he was incredibly helpful and quick to get my policy replaced with a new one. Thank you.
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
2026/03/25
Auto insurance shopper in KINGSTON, ON
Vehicle: MAZDA CX-5 GX 4DR AWD 2022
Wawanesa
$1,839
Intact My Drive
$1,882
Pembridge
$1,928
GORE
$1,977
Savings from top 4 cheapest quotes
$138
2026/03/13
Auto insurance shopper in KINGSTON, ON
Vehicle: LEXUS RX350h 4DR AWD 2023
SGI Canada
$1,907
Intact My Drive
$3,485
Intact
$3,949
GORE
$4,249
Savings from top 4 cheapest quotes
$2,342
2026/01/20
Auto insurance shopper in KINGSTON, ON
Vehicle: HONDA CR-V SPORT HEV 4DR AWD 2023
Intact My Drive
$1,692
SGI Canada
$1,840
Aviva Journey
$1,848
Intact
$1,880
Savings from top 4 cheapest quotes
$188
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:
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. 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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