Cheapest Car Insurance Quotes in Kitchener

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Recent auto insurance quotes in Kitchener-Waterloo

Recent Auto Insurance Quote from KITCHENER, ONTARIO
Male, Age 38
April 11, 2024
Cheapest Quote
$ 135 / month
$1,618 / year
Average Quote
$ 244 / month
$2,924 / year
$ 109 / month
$1,306 / year
44.66 %
Recent Auto Insurance Quote from KITCHENER, ONTARIO
Male, Age 26
April 11, 2024
Cheapest Quote
$ 215 / month
$2,581 / year
Average Quote
$ 392 / month
$4,701 / year
$ 177 / month
$2,120 / year
45.10 %
Recent Auto Insurance Quote from KITCHENER, ONTARIO
Female, Age 26
April 10, 2024
Cheapest Quote
$ 183 / month
$2,194 / year
Average Quote
$ 240 / month
$2,884 / year
$ 58 / month
$690 / year
23.93 %
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

Kitchener-Waterloo car insurance

Kitchener, a city with a small-town vibe, lies just 100 km west of the bustling downtown Toronto. Once known as Berlin, Kitchener is the largest region in Ontario’s Tri-city, the Waterloo Regional Municipality (consisting of Kitchener, Cambridge and Waterloo).

Even though it is not Toronto-busy, the Kitchener-Waterloo region is seeing tons more traffic, car accidents, and car thefts, according to the Annual Collision Report from the Waterloo Region Police Services. With the city being encircled by many highways—including key ones like Conestoga Parkway and Highway 8, which connects Waterloo, Kitchener, and Cambridge—the roads are constantly busy and moving. Add a growing downtown core into the mix where numerous developments are taking place, and you’ve got a very congested region where finding parking can be a challenge. Eek! Thankfully, saving on car insurance is way easier, and takes a lot less time. Find out why thousands of drivers trust RATESDOTCA to find the cheapest car insurance quotes in KW.

How can you save on car insurance in Kitchener?

Auto insurance varies greatly across regions, and so comparing car insurance quotes before you buy can save you hundreds of dollars on your annual premiums. It takes just minutes to find the cheapest Kitchener car insurance rates with our insurance calculator that is completely free to use. Discover how much you could save by comparing quotes today.

Kitchener-Waterloo Car Insurance By Postal Code

Postal Code Average Premium
N2A 0A1$1276
N2B 0A1$1276
N2C 0A2$1406
N2E 0A2$1406
N2G 0A1$1406
N2H 0A1$1276
N2M 0A1$1406
N2N 0A1$1406
N2P 0A1$1276
N2R 0A1$1276

Above average insurance premium numbers are according to data from RATESDOTCA Insuramap.

Get used to the roundabouts in Kitchener

The Waterloo region started implementing roundabouts in 2004 to accommodate an increased volume of traffic, thereby reducing serious crashes, injuries and fatalities, improving road safety and efficiency. The region of Waterloo reports that there has been a 51% decrease in collisions with injuries at intersections where roundabouts have replaced traffic signals. Roundabouts also prevent unnecessary stops or idling on the road, and so reduces greenhouse gas emissions, leading way to better air quality.

In Canada, the first roundabouts did not emerge until the 1990’s, and there are approximately 400 roundabouts across the country, 30 alone in the region of Waterloo.

A roundabout is a circular intersection without any stop signs or signals, where all traffic moves clockwise. There is very little chance of head-on collisions this way. How can you navigate through the roundabouts in Kitchener? How do you enter a roundabout? Do you signal? Well, read on!

Tips for tackling roundabouts in Kitchener like a pro

Here are a few tips to help you drive confidently and safely when you face a roundabout:

  • Slow down, watch for signs, and enter only in one direction.
  • Yield to pedestrians and cyclists at the crosswalks at the entry and exit.
  • Remember to signal just as you would at a regular intersection. Signaling is important and is best practice.
  • Always yield to traffic inside the roundabout—it has the right of way. Enter only when it is safe to do so.
  • Keep moving while inside the roundabout, going counter-clockwise within the lane. Stop only if it is absolutely necessary to avoid a collision.
  • Do not attempt to pass large vehicles or change lanes while inside a roundabout.
  • Signal a right turn before you intend to leave the roundabout until you have exited.
  • If you missed your exit, do not panic; just continue around the roundabout and exit again. Remember to watch for pedestrians and cyclists waiting at the crosswalk of the exit!

Frequently asked questions about Kitchener car insurance

Have more questions about Kitchener car insurance? We have answers.

Which company has the cheapest car insurance in Kitchener?

No insurance company offers flat-rate insurance. Premiums are determined by how much risk an individual within a particular geographic territory presents.

That means the price offered to you by one company could be vastly different from what your friends and family pay. The best way to find out which company offers the cheapest rate is to compare quotes from multiple companies. 

What are the best car insurance companies in Kitchener? 

The answer to that question will be different for everyone. Car insurance is an entirely different animal compared to other goods and services. Compare car insurance companies to see which can offer enough protection at the lowest price.

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

Unlike pay-as-you-go phone plans, month-to-month car insurance doesn't exist in Ontario. Insurance companies require a one-year commitment in return for coverage. Some insurers offer terms of six months, but they're few and far between.

You could purchase a one-year insurance policy and terminate it when you stop needing it. You will be charged a fee for doing so, but usually isn't too stiff.

Another alternative is usage-based insurance. It's a relatively new product in Canada that's best suited for low-mileage drivers. Here's how it works: you pay a base rate and a set number of kilometres (usually 1,000 kms) and then pay extra for every additional 1,000 km you drive. Installing a device that monitors your car usage is a requirement.

You could also purchase an endorsement that allows you to pause your coverage if you store your car. It’s known as OPCF16, Suspension of Coverage. 

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

The same way any other driver would. The traditional approach for obtaining insurance is to go to an insurance agent or broker.

Now, you can compare multiple insurance companies and brokerages in one go using a rates comparison site like RATESDOTCA.

New drivers, regardless of age, can expect to be charged higher than average premiums, making shopping around even more critical. Inexperienced drivers may pay the most, but our quote data shows they stand to find the most significant savings of any group.

Start a quote on RATESDOTCA and see which company or broker offers your lowest rate.

Is ride-sharing insurance available in Kitchener?

Yes, ride-sharing insurance is available throughout Ontario. The largest rideshare companies offer insurance to drivers. For example, Uber provides drivers rideshare insurance, which is underwritten by Economical insurance. If you're with another insurer, don't worry; ride-sharing insurance won't conflict with your personal policy. Rideshare platforms have partnered with insurers to provide commercial insurance coverage from the moment you turn the app to when you turn it off. When you log off, your personal insurance applies.

The Financial Services Regulatory Authority of Ontario (FSRA) maintains a list of all the recognized rideshare apps and the insurance companies that underwrite their driver policies:

Why is car insurance expensive in Kitchener?  

Car insurance is quite affordable in Kitchener compared to the average premiums in the Greater Toronto Area. However, prices will likely rise in the coming years, but likely at a different rate than other cities like Vaughan or Brampton.

Due to a growing downtown core and a thriving tech-focused job market, many young professionals rely on their cars to get to work. When roads get busier, commute times increase — and so do the chances of getting into accidents or a fender bender. All of these factors eventually lead to car insurance rate increases. Drivers in Kitchener-Waterloo can save big on auto insurance simply by shopping around. The Financial Services Regulatory Authority of Ontario (FSRA) recommends getting multiple quotes from different companies to save on auto insurance.

Why are Kitchener-Waterloo roads getting so busy?

Kitchener is the fourth largest city in Ontario. An estimated 522,888 people lived and worked in Kitchener, according to the 2021 census, representing an increase of 10.5% since 2016. The Region of Waterloo is renowned for its universities and colleges like the University of Waterloo, Wilfrid Laurier University, and Conestoga College. The region is also home to a buzzing tech scene. Tech and software companies like Google, Electronic Arts, Blackberry, and Open Text, to name a few, have headquarters there. In addition, a significantly lower cost of living has made Kitchener a desirable city. 

These reasons contribute to more vehicles on Kitchener's streets and, in some cases, higher insurance premiums. Compare quotes today to find out if you could get a better deal on your KW car insurance.

What discounts are available for drivers in Kitchener-Waterloo?  

The best way to keep your insurance costs low is to maintain a clean driving record, free of traffic tickets and claims. Of course, there are other ways to lower car insurance rates.

  • Consider insuring all the vehicles in your household together.
  • If you have home insurance, consider purchasing car insurance from the same insurer for a multi-line discount.
  • Take advantage of low mileage discounts.
  • Think about dropping collision or comprehensive coverage on older cars.
  • Install an anti-theft device in your vehicle.
  • Take an accredited ministry-approved driver’s education course.
  • Increase your deductible amount.
  • Take advantage of alumni discounts
  • Ask the insurance company about their list of discounts you might be eligible for. 

Can I save money on car insurance by using public transit?

Yes, use public transit whenever possible. Commuting via transit can save you money on your car insurance, as the less you drive, the more you save. Commuting happens when roads are busiest, increasing your likelihood of being in an accident. Thankfully, you have options in Kitchener. 

The Grand River Transit serves Kitchener, Cambridge, and Waterloo. There is also daily GO bus and train service to Toronto. The ION light rail service starts at Conestoga station in Waterloo and ends at Fairway station in Kitchener, with 19 stops along the route. Shave some bucks off your car insurance by switching your commute to public transit.

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Don’t you want to save on Kitchener car insurance?

Now that you know what it takes to get the cheapest car insurance quotes, let’s get going! RATESDOTCA compares quotes from over 30 of Canada’s trusted insurance companies to fetch you some of the best rates for your budget. Drive away with some significant savings on your annual premiums.

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