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Updated Aug. 30, 2024
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.
| 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 |
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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).
| 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% |
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:
Still have questions about car insurance in Kingston? Find the answers here.
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.
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.
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.
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.
FSRA has approved auto insurance products for the following ride-sharing companies in Ontario:
*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 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."
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