Find Cheap Car Insurance in Kingston

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Written By Joel Kranc

Contributing writer


Car insurance in Kingston

If you live in Ontario, car insurance is mandatory. As a result, people living in Kingston have the same auto insurance rules and requirements as anyone based elsewhere in the province.

In Ontario, auto insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA), formerly known as the Financial Services Commission of Ontario (FSCO), an agency of the Ministry of Finance.

FSRA oversees all insurance regulations in the province and has the power to approve or decline car insurance rate change requests.

Mandatory and optional auto insurance in Kingston

Insurance type Mandatory coverage Optional/Additional coverage
Third-Party Liability $200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault. Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit.
Direct Compensation-Property Damage (DC-PD) Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle. For additional vehicle coverage including for when you are at-fault, consider collision coverage.
Uninsured Automobile Insurance Provides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist. Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist.
Statutory Accident Benefits

Provides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP.

Income Replacement Benefits: Basic weekly income replacement of 70% of your gross income up to $400/wk.

Medical, Rehabilitation and Attendant Care Benefits: Up to $65,000 for serious injuries, and $1 million for catastrophic injuries.

Caregiver Benefits: Up to $250 per week for the first dependent, and $50 per week for each dependent after that.

Housekeeping and Home Maintenance Expenses: Maximum payout $100 per week.

Death and Funeral Benefits: Up to $25,000 is provided to your spouse, $10,000 for each dependent, and up to $6,000 in funeral costs in the event you are killed in an automobile accident.

Coverage limits can be increased.
Collision Coverage (Also Upset Coverage) Optional Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive Coverage Optional Covers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism.
Specified Perils Coverage Optional Covers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and also other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils Coverage Optional Combines collision/upset and comprehensive coverage. Also provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation Replacement Optional Covers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen.
OPCF 27: Liability for Damage to Non-Owned Automobile(s) Optional Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/Forgiveness Optional Protect your premium from rising when you have your first at-fault accident.
OPCF 43: Waiver of Depreciation Optional Protects you by removing your insurer's right to deduct depreciation from the value of your vehicle when settling a claim. This coverage is for new vehicles with fewer than 5,000 kilometres.
OPCF 44R: Family Protection Coverage Optional Protects you if you or a family member is injured, regardless of whether you or your family members are in the car when the accident occurs

Recent auto insurance quotes in Kingston

Recent Auto Insurance Quote from KINGSTON, ONTARIO
Male, Age 32
May 24, 2024
Cheapest Quote
$ 179 / month
$2,150 / year
Average Quote
$ 334 / month
$4,003 / year
$ 154 / month
$1,853 / year
46.29 %
Recent Auto Insurance Quote from KINGSTON, ONTARIO
Male, Age 21
May 24, 2024
Cheapest Quote
$ 103 / month
$1,239 / year
Average Quote
$ 132 / month
$1,587 / year
$ 29 / month
$348 / year
21.93 %
Recent Auto Insurance Quote from KINGSTON, ONTARIO
Male, Age 30
May 23, 2024
Cheapest Quote
$ 103 / month
$1,236 / year
Average Quote
$ 140 / month
$1,678 / year
$ 37 / month
$442 / year
26.34 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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How much does car insurance cost in Kingston?

The average 2021 premium for Kingston car insurance is $1,132 per year or $94.33 per month, based on current RATESDOTCA Insuramap data.

Out of rates for the 189 cities examined, Kingston falls into the lowest premium average, tied with eight other cities.

Compared to the 10 Ontario cities with the most expensive average car insurance premiums, costs in Kingston are significantly less expensive. 

One reason is that in densely populated urban areas, premiums tend to be higher. Conversely, Kingston auto insurance is cheaper because there are fewer people on the road which decreases risks for drivers.

Changes in auto insurance rates between 2020 and 2021 where unexpecded in some cities, including Kingston. While many cities saw decreasing rates, remote work may have lead to rate increases in the areas where city dwellers migrated.

All estimated premiums for Insuramap are based on the following profile details: 35-year-old male who drives a 2018 Honda Civic four-door with a clean driving record (gender becomes less of a concern for insurance providers after about age 30).

How do Kingston car insurance rates compare?
Rank City Estimated 2021 premium Change from 2020
Kingston $1,132 +2.6%
1. Vaughan $2,179 -6.7%
2. Ajax $2,104 -1.7%
3. Richmond Hill $2,025 -11.4%
4. Brampton $1,976 -26.8%
5. Mississauga $1,971 -16.9%
6. Pickering $1,959 -0.1%
7. Toronto $1,953 -11.3%
8. Oshawa $1,833 +12.1%
9. Whitby $1,792 +0.9%
10. Nobleton, Schomberg, Orangeville, King City $1,766 +14.2%

Which companies offer car insurance quotes in Kingston?

RATESDOTCA is your best and first choice for finding the cheapest car insurance in Kingston. Instant quotes from a variety of providers at your fingertips with the click of your mouse.

Other companies that offer quotes include:

  • CAA Car Insurance – 728 Gardiners Rd. Kingston, ON K7M 3X9 – 613-546-2596
  • Allstate Insurance – 656 Gardiners Rd. Kingston, ON K7M 3X9 – 613-777-4972
  • All-Risks Insurance Brokers – 722 Arlington Park Pl, Kingston, ON K7M 8H9 – 613-389-2442
  • Shaw Insurance – 2001 ON-15 Kingston, ON K7L 4V3 – 613-542-6573
  • Co-operators – 1699 Bath Rd., Kingston, ON K7M 4X1 – 613-384-7899
  • SurNet Insurance Group – 1040 Gardiners Rd. c, Kingston ON K7P 1R7 – 613-544-9312

What factors affect your Kingston car insurance premium

Drivers looking for car insurance quotes in Kingston will find the prices are not all one-size-fits all. There are many factors that can increase or decrease your car insurance.

  • Where You Live: Location plays a very important role when looking for the cheapest car insurance in Kingston. Some more densely populated areas are considered higher risk with more drivers. Other, more rural areas may be considered lower risk. Driving behaviour from one postal code to the next can also determine how much you will pay for car insurance in Kingston depending on that area’s population and risk assessments.
  • The Type of Car You Drive: Not all cars are created equally. Cars that are more costly to repair, have expensive internal operations systems, are fitted with aftermarket accessories and more can be expensive for insurance companies and will affect your car insurance quotes and rates.
  • Your Commute: The longer the distance you drive, the more opportunities there are for risks and accidents. Long commutes may inform how your insurance company will determine your Kingston auto insurance rates. Occasional trips to the grocery store or picking up your kids from school pose fewer risks than daily highway driving over long distances.
  • Driving History: We all have a past. Insurance companies will want to know your driving history past to determine your Kingston auto insurance rate. A history of accidents or convictions will increase your car insurance rates considerably more than if you have a clean history. Insurance companies want to know the driver they are insuring is responsible now but also during their entire driving career.
  • Coverage: Finding the cheapest car insurance in Kingston will also depend on the coverage you get from your provider. There is basic mandatory coverage but anything that covers you beyond the minimum requirements will increase your rates.
  • Discount Eligibility: Many providers offer discounts to drivers. Senior citizens, for example, get special rates, as do alumni affiliated with particular Universities. Age and experience can also help decrease your rates if your provider offers such a discount.
  • Additional Drivers: Adding drivers to your policy can expand the coverage you are provided with but will likely increase the costs of your car insurance in Kingston.
  • Bundling: One way to decrease your Kingston auto insurance is through bundling. Bundling allows you to receive better car insurance quotes should you also choose the same provider for home and life insurance, similar to bundling your cable, phone and internet services.

Tips to get cheap car insurance in Kingston

  1. Choose cars with safety features: Car insurance in Kingston can be reduced if your provider knows the risks of accidents or theft have been reduced by safety features.
  2. Set higher deductibles on your policy: Auto insurance providers in Kingston will offer better rates to people with higher deductibles as it lowers their thresholds for payouts and risks of claims.
  3. Take a defensive driving course: Not only will your car insurance quotes in Kingston be better as a result of taking a driving course, but you will also dramatically improve your skills and be a better driver for it.
  4. Compare rates: Getting the cheapest car insurance in Kingston starts with rate comparisons. RATESDOTCA offers a great way to compare rates from many of the insurance providers operating in Kingston.
  5. Bundle your policies: As far as insurance providers are concerned, bundling several insurance (auto, home, life) policies allows them to offer discounts and decrease your payments more than if you were to only take out one policy.
  6. Reduce your commute: If possible, taking shorter trips, working from home more often or using public transit more will allow for fewer trips in your car and reduce your risks of accidents.
  7. Use your driveway or garage: Parking in safer areas will provide fewer opportunities for theft. Talk to your broker about safe parking discounts (if available).

Frequently asked questions about car insurance in Kingston

Still have questions about car insurance in Kingston? Find the answers here.

Which company has the cheapest car insurance in Kingston?

RATESDOTCA is your one-stop shop to find the cheapest car insurance rates in Kingston. Compare providers at the click of your mouse and instantly receive a quote that will save you money on auto insurance.

What are the best car insurance companies in Kingston?

The best car insurance companies are determined by you, and your broker, if you choose to work with one. Finding the cheapest car insurance in Kingston, discounts and other provisions will be determined by your needs, location and what you use your car for. RATESDOTCA can help you comparison shop car insurance quotes in Kingston and assist you in finding the best insurance provider that works for your specific needs.

Can I get month-to-month car insurance in Kingston?

Unfortunately, not. Standard car insurance policies in Ontario (and Kingston) last one year. While some insurance providers may offer six-month policies, these are hard to find.

How do I get car insurance as a new driver in Kingston?

Being a new driver, you’ll want to comparison shop as many insurance providers as possible to get the cheapest car insurance quotes in Kingston. RATESDOTCA allows you to compare car insurance by entering your postal code and seeing where the best rates can be had. As a new driver with no experience, you may find rates are higher than experienced drivers but comparing as many quotes as possible will ensure you find the cheapest car insurance in Kingston.

Is ride sharing insurance available in Kingston?

FSRA has approved auto insurance products for the following ride-sharing companies in Ontario:

  • Facedrive – policy provided by Northbridge General Insurance Corporation
  • Lyft – policy provided by Aviva Insurance Company of Canada
  • RideCo – policy provided by Northbridge General Insurance Corporation
  • Uber – policy provided by Economical Mutual Insurance Company
  • Uride – policy provided by Northbridge General Insurance Corporation
  • NRT OnDemand – policy provided by Hartford Fire Insurance Company of Canada
  • Zoom Innovations Inc. – policy provided by Northbridge General Insurance Corporation
  • Y Drive - policy provided by Northbridge General Insurance Company
  • M Ride Inc. - policy provided by Northbridge General Insurance Company

*Shoppers in Kingston who obtained a quote on RATESDOTCA from January to December 2023 saved an average of $440 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by RATESDOTCA.

Joel Kranc ,

Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.

He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.

He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."

  • Master's of Political Science, University of Toronto
Featured in
  • Benefits Canada
  • Institutional Investor
  • Plan Sponsor Magazine
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  • The Globe and Mail
  • Fund Directions Newsletter
  • BenefitsPRO
  • HR Professional
  • Advisor's Edge
  • Institutional Investor
  • Employee Benefit Advisor
  • Investing in Infrastructure Magazine (i3)

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