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All about car insurance in Kingston
Matt Hands, VP, Insurance and MoneySense
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.
Did you know?
The previously mandatory coverage, Direct Compensation for Property Damage (DCPD), has been made optional for Ontario drivers as of January 2024. Many insurance experts are warning drivers about the implications of opting out, however, as the financial risk may not be worth the potential savings. Learn more about optional DCPD in our blog linked below.
Standard Kingston auto insurance coverages
In Kingston, three are four standard car insurance coverages – third-party liability, accident benefits, uninsured motorist, and direct compensation for property damage.
Third-party liability
Accident benefits
Uninsured motorist
Direct compensation for property damage
Optional Kingston auto insurance coverages
Aside from the mandatory coverages, you can also add optional coverages to your Kingston car insurance policy. These options are mainly there to help cover the loss and damage of your personal vehicle.
Collision
Comprehensive
Specified perils
All perils
Emergency roadside assistance
Popular Kingston auto insurance endorsements
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.
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How much is car insurance in Kingston?
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).
- $51/month
57-year-old male
driving a 2021 Hyundai Kona under CAA Insurance
- $74/month
90-year-old male
driving a 2012 Toyota Prius under Economical Insurance
- $131/month
61-year-old male
driving a 2017 Lexus NX200 under SGI Canada Insurance
Factors that impact your Kingston car insurance rate
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.
Age
Younger drivers tend to pay the highest car insurance rates due to statistical risk factors.
Gender
Males tend to pay higher premiums than their female counterparts due to statistical risk factors.
Location
Where you live in Kingston matters. Busy areas with high crime rates will inevitably come with higher premiums.
Vehicle type
Cars that expensive to repair and replace will cost more to insure – and the same goes with highly-stolen ones.
Vehicle use
Do you drive for business or for pleasure? Pleasure-use cars tend to come with cheaper insurance rates.
Driving history
Your Kingston driving history is looked at by insurers. A clean record shows low-risk which means low premiums.
Driving behaviour
More time on the road equals more risk – so expect to pay higher premiums if you commute daily.
License class
If you have your full driver's licence in Kingston, expect to pay cheaper premiums than a novice driver.
Coverages & discounts
More protection will lead to higher rates, but asking for discounts can help combat the cost.
How to get cheap Kingston car insurance quotes
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.
- Shop & compare
Research which company provides cheap car insurance in Kingston. Rates can potentially go up whenever you renew, but lucky for you comparing personalized Kingston car insurance quotes with us is free.
- Stay loyal
Some Kingston car insurance companies will give loyalty discounts to drivers who remain active with them for years – but don't let this deter you from shopping the market.
- Bundle insurance products
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a policy bundle discount.
- Insure multiple vehicles together
If you have multiple drivers and multiple vehicles in your household, putting them all under one policy can help save you money.
- Increase your deductible
Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to increase it, you'll pay less in premiums.
- Ask about discounts
Ask your insurer about group rates – for professionals, alumni, and more. Oftentimes, Kingston insurance companies will offer discounts to members of certain organizations.
- Pay premiums annually
Paying monthly premiums adds administrative costs to your insurer. If you’re able to pay in full annually, you'll likely pay a bit less in the long run.
- Keep a clean record
The cheapest rates go to the safest drivers in Kingston. Car crashes can stay on your record for years, causing your insurance premium to go up substantially.
- Install winter tires
As Kingston roads can get dangerous in the winter, insurers often offer a cheaper rate to those who install winter tires.
- Drive less
The more you drive, the more risk you're inevitably exposed to. Simply driving less can help save you money on your car insurance premium.
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