Kitchener Waterloo Car Insurance: Get Cheap Auto Insurance Quotes

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Want to save money on your car insurance in Kitchener Waterloo? Is it time to renew your policy with your current insurance company? Are you shopping for insurance after getting a new car? It's our job to help all types of Kitchener drivers with all their car insurance needs which includes finding a lower rate!

It's easy to quickly compare quotes and coverage options for Kitchener auto insurance with ThinkInsure. We'll check prices from the top insurance companies in Canada to save you more. Get started by comparing quotes online or give us a call. Our advisors will make sure you get the coverage you need for the lowest rate.

Keep reading to learn more about car insurance in Kitchener and ways you can save more on your policy.

How to compare car insurance quotes in Kitchener

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5 star reviews for auto insurance in Kitchener-Waterloo

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C G

2023-04-18 17:28:34

Awesome Experience, Darryl Fardy is the man, got me set up quick and easily. Greatly Appreciated.

WOLFGANG MUENCH

2023-04-16 14:15:24

Lisa was very pleasant to work out the details

Nabanita Debsarkar

2023-04-14 16:21:15

Evan was our Magician. He was prompt in addressing our need yet patient to understand our situation and help accordingly. We are definitely going to go back to him, every time we have an insurance need. We highly recommend his service.

Erin Stewart

2023-04-12 23:54:34

After a car accident, for which I was unfortunately at fault, and complications with my old insurance provider, Bailey at ThinkInsure was able to help me in just a couple of days find and get signed up with a new insurance company. He was friendly, professional, prompt, and diligent, and didn't make me feel bad for my past mistakes. He answered any questions I had and made me aware of all my options in layman's terms. I am fully satisfied with my experience and would recommend both Bailey and ThinkInsure to anyone seeking out first time insurance or a new insurance provider.

Anna Hicks

2023-04-06 14:29:50

I had contacted numerous insurance companies over couple of days . I called Thinkinsure and it became our last stop . The price was by far the best, the professional and friendly and calm service provided by Darryl Fardy was exceptional. Darryl is definitely a huge asset for the company as we got things done fast and efficiently. I have already recommended this company to many people .

debbie doyle

2023-04-04 14:31:06

Very considerate, clear and accurate of their knowledge. They follow up and are quick to reply. I would recommend this insurance company, I’m very satisfied.

Jared Haird

2023-03-30 23:58:05

Great experience. Fast and friendly service. Todd was extremely helpful with all of my requests. Highly recommend giving Todd a call for your insurance needs.

Marie

2023-03-28 21:02:28

If anyone is out there looking for a great insurance broker, I highly recommend Evan Venditti at ThinkInsure. His customer service and care were tremendous ... he was extremely prompt, responsive and personable. His knowledge and expertise are top notch and he was an absolute pleasure to work with.

How does auto insurance work in Kitchener?

Car insurance rules and requirements in Kitchener Waterloo are the same as in other regions of the province.

Auto insurance is mandatory.
All drivers must have a minimum amount of insurance. This includes $200,000 in third-party liability. You also get DCPD, accident benefits, and uninsured automobile coverage.
You can get additional coverage such as collision, comprehensive, all perils, and specified perils for better protection.
Policies can be purchased through a private insurance company.
No-fault insurance applies.

Mandatory coverage in Kitchener

Here is what all drivers are required to have in their policy:

Third-party liability: Protection if you cause damage to others’ vehicle or property when driving.
Accident benefits: Covers medical expenses if you are injured in a crash.
Uninsured motorist: Protection if you are hit by an uninsured or unidentified driver.
Direct compensation property damage (DCPD): This covers the cost to repair your vehicle when you are not at fault.

Optional coverage in Kitchener

You have the option to add one of these types of coverage to your plan:

Collision: Coverage for damage to your vehicle from an accident.
Comprehensive: Covers damage because of non-driving events. This includes theft or vandalism.
Specified perils: Coverage for perils that are listed in your policy, such as fire, hail, and weather damage.
All perils: This combines collision and comprehensive. You have protection for all perils unless they are specifically excluded.

Extra protection options will vary based on the insurer. The added coverage will also increase your premiums.

Recent Kitchener car insurance quotes

2023/06/03

Shopper in KITCHENER, ON
Vehicle: KIA SORENTO LX 4DR AWD 2015
GORE	$1,897
Pembridge	$1,912
Intact	$1,997
Economical	$2,027
Savings from top 4 cheapest quotes	$130

2023/06/01

Shopper in WATERLOO, ON
Vehicle: AUDI S3 2.0T QUATTRO 4DR 2015
Aviva Journey	$2,056
Pembridge	$2,235
Wawanesa	$2,264
Aviva	$2,286
Savings from top 4 cheapest quotes	$230

How to find cheap car insurance in Kitchener & Waterloo

We know saving money and getting cheaper insurance is important for drivers. There are a number of steps you can take to get the lowest car insurance rates in the Kitchener area:

Comparison shop: Always compare rates from multiple insurers.
Don’t let your policy auto-renew: Look into potential premium savings before renewing your current policy.
Get quotes annually: Each time your Kitchener auto insurance comes up for renewal is your opportunity to save on premiums.
Assess your needs as they change: Assess your needs to make sure you have the right amount of protection as things change in your life.
Ask about discounts: Inquire about discounts you may qualify for. As time goes by, you may qualify for new discounts and savings.

How much does car insurance cost in Kitchener Waterloo?

Car insurance in Kitchener costs approximately $1,500 per year. This is a bit lower than the provincial average. Premiums are similar in Waterloo and Cambridge. Drivers pay on average $1,634 annually for car insurance in Ontario. Drivers with tickets, accidents, and claims on their records typically will have higher rates.

Average Kitchener Waterloo car insurance rate compared to other Ontario cities info graphic

What is the cheapest area for car insurance in Kitchener?

Where you live matters. Here are the most expensive and affordable areas in the Kitchener area for auto insurance rates:

Area	Postal codes	Premium
Kingssdale, Vanier, Hidden Valley, Parkway, Country Hills East	N2C	➜ Most expensive
Northward, MT Hope Huron Park, Civic Center, Auditorium, Eastwood	N2H	➜ Lowest

About Kitchener and auto insurance

Driving in the Kitchener Waterloo region can be somewhat confusing. The radial pattern of streets takes some getting used to. You would also think a city encircled by highways would reduce traffic congestion. But the area rivals the GTA in terms of delays. The area can be a traffic bottleneck, especially during peak hours.

There are a lot of intersections worth avoiding and it can get very congested around Highway 401. Avoiding problem areas is one way to protect your Kitchener car insurance from going up.

Here is some great information about driving in and around the KW region:

Highways

Highway 401
Highway 7, 8, 85, Conestoga Parkway

Public transit

Grand River Transit (GRT)
Go Transit
ION Rapid Transit-light rail

Ride-sharing

Uber

Road trips

St. Jacobs Farmers Market
Fergus township
Stratford
The Bruce Trail
Elora Quarry Park

Parking

City of Kitchener

Top attractions

Oktoberfest
Chicopee Ski Club
Victoria Park
Huron Natural Area
Bingemans Waterpark

Worst intersections

Homer Watson and Block Line
Fairway Road and Wilson Ave
Hespeler Road and Bishop Street
Ottawa Street and Strasburg Road
Homer Watson and Manitou Drive

Airports

Region of Waterloo
International Airport

Do you have proper auto insurance for driving in Kitchener?

You can expect high traffic volume and ongoing construction. Drivers in the city also must deal with unpredictable weather. Rain, snow, sleet, high winds, and icy roads are all possible. Kitchener residents need to be prepared for many types of driving conditions.

Find out if you have proper car insurance coverage for the driving conditions in Kitchener. Speak with an advisor today to make sure you're covered or to get a free quote.

46 mins

Avg. daily commute time

929 mm

Avg. annual rainfall

1,598 mm

Avg. annual snowfall

119

Rainy days per year

Snow days per year

Kitchener Waterloo stats that are affecting car insurance

KW auto insurance policyholders should be aware of this traffic information to drive safe and keep rates down.

The Conestoga Parkway and Highway 8 are key arteries. They connect Waterloo, Kitchener, and Cambridge along with Highway 7/8 and Highway 401.
Unlike many cities whose streets follow a grid pattern, Kitchener is laid out in a radial pattern. This was introduced by its German settlers. They were more familiar with this Continental model than strict, survey-based British grids. It does provide charm and character. But the street layout in Waterloo presents challenges in assigning compass-based names.
KW region commuters had the second shortest commute time of those in the Golden Horseshoe (22.8 minutes).
There was a total of 6370 collisions in the Waterloo region in 2018. 6 were fatal and 1,338 involved an injury. There is an average of 17.5 collisions per day. Drive safe or you could see your insurance premiums increase after a crash.

Tips for driving in Kitchener

Kitchener city street and building with parked cars

Drivers are only one crash or claim from increased car insurance prices in Kitchener. Use these tips when making your way around the KW region:

The layout of city streets can be confusing. Use a GPS if you are not familiar with the area.
Watch out for roundabouts. There are more than 30 in the region.
Finding a parking spot can be a challenge. Scope out where you’ll part before heading downtown.
Expect traffic delays. Always give yourself more time than you need to arrive at your destination.
Watch out for transport trucks on the highways. The city is a high-density transportation route.

Kitchener Waterloo car insurance FAQs

Does auto insurance cost the same in Kitchener and Waterloo?

Yes, auto insurance rates are similar in each in both Kitchener and Waterloo since they are in the same region. You can compare car insurance quotes to see how much it will cost for your next policy.

Why is Kitchener car insurance expensive?

Cost is relative to where you live. There are many reasons why your Kitchener car insurance rate is not as cheap as you’d prefer. Lots of traffic, the risk of accidents, and theft are key reasons. Your specific insurance needs are considerations used by insurers to set your rates. If you have more specific questions about your premium, speak with one of our advisors.

When should I get a car insurance quote in Kitchener?

There is never a wrong time to get a quote for car insurance in Kitchener. It’s important to check rates when you make changes to your policy, add coverage, and before your renewal.

What information do I need to get a car insurance quote in Kitchener Waterloo?

In order for Kitchener drivers to get a quote you need to provide some car insurance information. This includes your driving record, vehicle, contact information, and the types of insurance you want. The more accurate the information, the more accurate a quote you receive.

Do you need to have car insurance in Kitchener?

You are required by law to have auto insurance to drive a vehicle in Kitchener or anywhere else in Canada. Without it, you are not permitted to drive a vehicle. If you are caught driving without insurance you face a minimum fine of $5,000 plus other repercussions. Plus, you will have issues finding a provider who will insure you after this type of fine.

Do all Kitchener auto insurance companies offer the same coverage?

No. The type of coverage and policies available varies between auto insurance companies in Kitchener. Shopping around allows you to see the type of pricing offered. You also can compare the type of coverage and value you will receive for your quoted rate. ThinkInsure partners with the leading insurance companies so you can check prices from Aviva, CAA, Intact, Travellers, Economical, and many more.

Start saving on Kitchener Waterloo car insurance today

Getting a cheaper price for auto insurance in Kitchener doesn’t have to be complicated. Find the best rates from Canada's leading insurance companies in just a few minutes. You can get quotes online or call us and we'll help you get insured for a competitive rate.

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Sources

* Based on the difference between the average lowest premium and the overall average premium in Kitchener-Waterloo for estimates completed from January 1 to March 31, 2023, for drivers with a clean driving record.

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2023-05-26

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Cheap Kitchener-Waterloo Car Insurance Quotes

We help drivers save $705* on their car insurance in Kitchener!

Compare Kitchener car insurance quotes from the leading providers

Get the best Kitchener Waterloo auto insurance