Compare Kingston car insurance quotes & save today

Kingston, the former capital of Canada, sits halfway between Montreal and Toronto, along Highway 401. With over 120,000 residents, it's known for its military heritage, prisons, and prestigious institutions like Queen’s University and the Royal Military College of Canada – and it’s also home to a Ratehub.ca satellite office. Kingston offers some of the cheapest car insurance premiums in Ontario, at about 25% below the provincial average. However, with many students and new drivers, staying safe on the road is crucial to keep premiums low. To get the best car insurance in Kingston, make sure you understand the system and compare quotes across multiple providers.

Auto insurance in Ontario is a requirement. Private companies issue coverage, but the system is overlooked by the Financial Services Regulatory Authority of Ontario (FSRAO). This ensures rate increases are substantiated – simply put, an insurer can't raise rates without prior approval from the regulatory body. Rate increases also need to be backed by financial records.

Kingston (along with the rest of Ontario) also operates under a no-fault insurance system. This doesn't mean you'll never be deemed at fault after an accident. Instead, it means that you'll generally be making claims under your own insurer, regardless of fault. 

To learn everything there is to know about auto insurance in the city, be sure to read on. When you're ready, you can also compare personalized car insurance quotes to find your best rate. We can connect you with a licensed broker who will guide you seamlessly through the process of securing your Kingston car insurance policy. 

To further customize your car insurance, you can also add Ontario Policy Change Forms (OPCFs) to your policy. While the selection of endorsements may differ depending on the provider you choose, here are some popular options for Kingston drivers.

In Kingston, the average cost of car insurance is about $1,100 per year or just over $90 per month. Keep in mind, however, that rates are calculated based on your individual profile – to find the exact cost you'll be paying, be sure to compare personalized car insurance quotes with us. Below are three sample quotes our Kingston users received from us (last updated in May 2024).

It pays to shop the market for cheap Kingston car insurance. This is because different insurers offer different rates based on a list of personalized factors. Here, we cover a few main ones, so you can better understand how insurers come up with your quote.

While insurers are the ones that quote you, there are many steps you can take to make sure you're getting the cheapest Kingston car insurance on the market. Here, we cover ten different tips to help lower your premium.