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Matt Hands, Business Director, Insurance
Kingston sits halfway between Montreal and Toronto along highway 401. The former capital of Canada is home to over 120,000 people and known for its strong military foundations, prisons, and higher education institutions like Queen’s University and the Royal military college of Canada.
It’s also home to the Ratehub.ca satellite office.
Kingston has the cheapest car insurance premiums in Ontario and roughly 25% less than the provincial average. But a high number of students or newly licensed drivers on the roads means you have to be safe at all times to make sure your premiums aren’t affected.
Car insurance in Kingston, and across Ontario is a requirement for all drivers. To operate a vehicle in Kingston, you must have insurance. To get the best car insurance in Kingston, it's vital to understand how it works.
Kingston operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. In other words, you only ever deal with your own insurance company for a claim or following an accident.
Ontario auto insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records.
Available Kingston car insurance coverage is broken down into two categories - mandatory and optional.
Mandatory Kingston auto insurance coverage includes:
- Third-party liability
- Accident benefits
- Uninsured automobile insurance
- Direct Compensation Property Damage (DCPD)
Optional Kingston car insurance coverage includes:
- Collision insurance
- Comprehensive car insurance
- Specified perils
- All perils
Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements.
- OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
- OPCF 27 - Ports your existing insurance to a rental car or car you borrow
- OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
- OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim
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Direct compensation property damage
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Emergency roadside assistance
How much is car insurance in Kingston?
The average cost of car insurance in Kingston is roughly $1,100 per year, or just over $90 per month. Are you paying more? Could you be paying less? Let's find out.compare my quotes
1699 Bath Rd., Kingston, ON K7M 4X1
768 Gardiners Rd., Kingston, ON K7M 3X9
656 Gardiners Rd. Unit 21, Kingston, ON K7M 3X9
Looking for direct car insurance companies in Kingston? Direct insurers may be experts on car insurance policies, but they don’t always give you the best market price possible. By providing us with a few details, we can compare car insurance rates from various car insurance companies in Kingston, so you can select the cheapest available option. We’ll also connect you with a licensed insurance broker to guide you through the process of obtaining the coverage you need.
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Research which company provides cheap car insurance in Kingston, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Kingston car insurance with us is free.
Stay with your current insurer
Some Kingston auto insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.
Bundle your policies
If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Get a multi car discount
If you have multiple drivers and vehicles in the same household, by putting them all on one policy can 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 double your deductible, it could save you money.
Ask about discounts
If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Kingston car insurance
Pay premiums annually, instead of monthly
Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.
Maintain a good driving record
If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.
Install winter tires
You can save up to 5% simply by adding winter tires to your car in Ontario
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Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.read linkedin bio
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