Cheap Kingston Car Insurance Quotes


Kingston drivers save $375* on average by comparing car insurance quotes on

We do not operate in your province.

How to get the cheapest Kingston car insurance quote

Four easy steps to compare 50+ insurance companies in five minutes or less.

Select Your Province

Select your province to begin!

Enter Driver Details

Tell us a little bit about your vehicle, driving & car insurance history.

Compare Your Quotes

Compare your car insurance quotes from more than 30 top insurance companies.

Pick Your Policy

Pick the insurance policy that's right for you to connect directly with the insurance professional of your choice.

Get Quotes Now

We've got hundreds of 5 star reviews

2,105 reviews on TrustPilot. See some of the reviews here.

Powered by TrustPilot
Alexandra Bosanac

Written by

Alexandra Bosanac About Alexandra Bosanac

Alexandra Bosanac, content manager at, focuses on auto insurance. She has covered the topic since 2017. Alexandra holds a bachelor’s degree in journalism from Toronto Metropolitan University. Prior to joining in 2021, she contributed to publications such as Canadian Business, the Toronto Star, the National Post, and the CBC.


Content Manager

Updated On

May 9, 2024

How does Kingston auto insurance work?

Vehicle owners in Kingston, like any other city in Ontario, are required by law to have car insurance. Auto insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA), an agency of the Ministry of Finance. FSRA regulates all Ontario auto insurance rates to ensure all insurance company's proposed rates are reasonable. It also allows them to charge enough to cover their operating cost, future claims from consumers and their own profit.

Vehicle owners, lessees, and drivers who do not carry valid auto insurance can be subject to a hefty fine ranging from $5,000 to $50,000. If you are found driving without valid auto insurance, you can have your driver's licence suspended, and your vehicle seized.

If you are convicted of driving without valid auto insurance, your insurance company may consider you a "high-risk” driver and charge you higher premiums or refuse to sell you insurance altogether. If you are injured in an accident while driving or occupying an uninsured vehicle, you may not be entitled to receive income replacement and/or non-earner benefits; and you may not be allowed to sue the at-fault driver for compensation.

Auto insurance providers can apply to increase or decrease their rates every quarter and usually request rate increases due to changes in a particular coverage.

Insurance typeMandatory coverageOptional/ 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.
Uninsured Automobile InsuranceProvides 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 BenefitsProvides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP.Coverage limits can be increased.
Direct Compensation-Property Damage (DC-PD)OptionalDCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. 
Collision Coverage (Also Upset Coverage)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers 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 CoverageOptionalCovers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers 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)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car.
OPCF 43: Waiver of depreciationOptionalEnsures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car.
OPCF 44R: Family protection coverageOptionalEnsures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder.
OPCF 13C: Limited glassOptionalFor a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy.
OPCF 40: Fire and theft deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.

How much does Kingston car insurance cost? 

Auto insurance in Kingston is lower than the provincial average, along with eight other Ontario cities. The average 2021 premium for Kingston car insurance is $1,132 per year or $94.33 per month, based on RATESDOTCA Insuramap data. The reasons for low insurance premiums in Kingston can be fewer cars on the roads as well as fewer claims, among other reasons.

Here are the Ontario cities with the lowest insurance premium, including Kingston.

RankCityAverage 2021 premiumChange from 2020
1.Cornwall, Elizabethtown, Amherstview, Gananoque, Martintown, Iroquois, Brockville, Kingston$1,132+2.3% (Cornwall), +2.6% (all other cities)
2.Kendal, Napanee, Trenton, Port Hope, Cobourg, Belleville, Picton$1,175-7.6% (Kendal), +6.5% (all other cities)
3.Cloyne, Kemptville, Smiths Falls$1,185+7.4%

Changes in auto insurance rates between 2020 and 2021 were unexpected in some cities, including Kingston. While many cities saw decreasing rates, remote work may have led 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 driving a 2018 Honda Civic four-door with a clean driving record (gender becomes less of a concern for insurance providers after age 30).

Factors that determine your Kingston car insurance rate

Auto insurance premium depends on several factors that car owners must know before searching for an insurer. Some factors are commonly known, while others are not as much. Here are some of the main factors to keep in mind when buying auto insurance:

  • Location: Where you live is a very important factor when looking for the cheapest car insurance in Kingston. Some more densely populated areas are considered higher risk with more drivers. Other, more rural areas may be considered lower risk. Driving behaviour from one postal code to the next can also determine how much you will pay for car insurance in Kingston depending on that area's population and risk profile.
  • Vehicle type: Luxury cars, which have higher repair or service costs and are fitted with aftermarket accessories, have more expensive insurance compared with a regular car. Electric vehicles usually have higher insurance costs because they need specialized service and repairs.
  • Hours spent on the road: The more time you spend commuting, especially on a highway, your risk of accidents increases. Long-distance travel may impact your premium cost. But if you are using your car for occasional shorter-duration trips like running errands or picking kids from school, it could help you get a lower premium
  • Driving history: Your driving pattern determines if you are a risky or stable driver, directly impacting your auto insurance. Auto insurance companies in Kingston would like to know your driving history in order to determine your premium cost. If you have been an at-fault driver in an accident or been convicted of a traffic offence, it will increase your car insurance rates considerably more than if you have a clean history. Insurance companies want to know if the driver they insure is responsible now and during their entire driving career.
  • Coverage: Finding the cheapest car insurance in Kingston will also depend on the coverage you get from your provider. There is basic mandatory coverage, but anything that covers you beyond the minimum requirements will increase your rates.
  • Discount eligibility: Many insurance providers offer discounts to drivers. Senior citizens, for example, get special rates, as do alumni affiliated with particular universities. Age and experience can also help decrease your rates if your provider offers such a discount.
  • Additional Drivers: Adding drivers to your policy can expand the coverage you are provided with but will likely increase the costs of your car insurance in Kingston.
  • Bundling: One way to decrease your Kingston auto insurance is through bundling. Bundling allows you to receive better car insurance quotes should you choose the same home insurance provider, similar to bundling your cable, phone and internet services.

How to get the cheapest car insurance in Kingston

Here are the top 7 tips to get the cheapest car insurance in Kingston:

  1. Compare quotes: Of course, the easiest way to save money is to compare auto insurance quotes on If you're looking to buy a new car, compare quotes for the vehicles you're considering to see which one is the cheapest to insure.
  2. Use Kingston transit: The less you drive, the more you save. If you commute to work via car, switching to transit can slash your premiums. If you don't drive as much as you used to, call your insurance company and let them know.
  3. Increase your deductible: The deductible is what you must pay out of pocket if you file a claim. The more you agree to pay, the lower your premium will be.
  4. Bundle home and auto insurance: If you bundle your home and auto insurance under the same insurance company, you can save 5 to 15% off both policies. This is also called a multi-line discount.
  5. Change into winter tires: Save 5% on your car insurance by installing winter tires for the season. Protect your wallet and keep you and your family safe on icy roads.
  6. Know what coverage you need: Review your coverage each year and cancel any add-ons you no longer need. For example, if you drive an older car that isn't worth repairing, it will make economic sense to cancel your collision coverage.
  7. Pay annually: If you can pay your premiums annually rather than monthly, you can often save a bit of money. Some insurance companies offer a discount on the payment of annual premiums upfront.

Sample car insurance quotes completed for drivers in Kingston, Ontario

Below are real quotes that were recently completed on by drivers living in Kingston, Ontario

Male, age 42, Kingston, ON

Driving:2022 Toyota RAV 4 LE

Best premium:$530

Second best premium:$770

Savings: $240

Female, age 40, Kingston, ON

Driving: 2021 Hyundai Sonata Luxury 1.6T 4 DR

Best premium: $212

Second best premium: $925

Savings: $713

Female, age 32, Kingston, ON

Driving: 2022 Cadillac CT4 4D

Best premium: $279

Second best premium: $836

Savings: $557

Male, age 28, Kingston ON

Driving: 2021 Honda Civic

Best premium: $374

Second best premium: $1,234

Savings: $860

Female, age 30, Kingston ON

Driving: 2022 Nissan Kicks S 4DR 2WD

Best premium: $226

Second best premium: $786

Savings: $560

Male, age 40, Kingston ON

2022 Ford F150 King Ranch Hybrid Supercrew 4WD

Best premium: $292

Second best premium: $974

Savings: $682

Frequently asked questions about Kingston auto insurance

You've got questions, we've got answers.

What do insurers look for when determining my auto insurance rate?

Auto insurance premium depends on several factors that car owners must know before searching for an insurer. Some factors are commonly known, while are not. Some of these factors include:

  • Where you live
  • The type of car you drive
  • Your driving and insurance history
  • How often and how far you drive
  • The deductibles you choose
  • Discounts you might be eligible for
  • Optional extra coverages you opt into having

I just moved to Kingston, how can I save on my car insurance?

As a new driver in Kingston, you’ll want to comparison shop as many insurance providers as possible to get the cheapest car insurance quotes in the city. 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.

Are Kingston drivers good drivers?

Of all the Kingston drivers getting quotes at 

  • 73.7% of them said they have a clean driving history with no tickets, accidents or licence suspensions
  • 11.9% said they had at least one traffic ticket
  • 11.4% admit to having been involved in at least one collision
  • 1.9% (the remaining drivers) said they have at least one ticket and one accident 

Whether you've got a spotless driving record or not, shopping around will likely net you a better rate on your Kingston car insurance.

Kingston has the lowest car insurance premium compared with other big Ontario cities partly because many vehicle owners have a good driving record (which is also a major factor impacting your car insurance). However, if you have a bad driving history, it could impact your auto insurance premium. Compare rates available in Kingston using and find the insurer offering the best rate for you.

Why should I compare Kingston car insurance rates today?

Drivers in Ontario are legally required to have car insurance in order to operate a vehicle. Ontario is set up on a private insurance system, which is why it's not uncommon for insurance rates to vary vastly from one provider to the next, sometimes by hundreds (or thousands!) of dollars.

There's no time like the present to see if you could save on your Kingston auto insurance rates. Why wait when on average, shoppers saved $744* comparing rates in 2021? 

Compare your existing Kingston auto insurance rates today to what's available on the market to determine how much you could save on your auto insurance. 

Fun facts derived from quotes completed on

Trends we've noticed that are specific to Kingston-based drivers

Most popular vehicles insured by married couples in Kingston: Toyota Venza, Honda Civic, Hyundai Accent, Toyota Camry, Subaru Impreza

Most popular vehicles insured by singles in Kingston: Chevrolet Cruze, Dodge Grand Caravan, Hyundai Elantra, Ford Escape

Percentage of Kingston drivers who have had no accidents in the past 10 years: 85.21%

Average kilometres driven by Kingston drivers annually: 14,675 km

Most popular discounts for Kingston drivers: Queen's University at Kingston Students, Queen's University at Kingston, St. Lawrence College of Applied Arts and Technology, Canadian Forces Communications and Electronics Association, Kingston General Hospital

Data is based on quotes completed by Kingston drivers on between January 1 and December 31, 2018.

*Shoppers in Kingston who obtained a quote on from January to December 2023 saved an average of $375 per year. The average savings represent the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by

Alexandra Bosanac, Content Manager

Alexandra Bosanac, content manager at, focuses on auto insurance. She has covered the topic since 2017. Alexandra holds a bachelor’s degree in journalism from Toronto Metropolitan University. Prior to joining in 2021, she contributed to publications such as Canadian Business, the Toronto Star, the National Post, and the CBC.


Read more about the author