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Kingston, Ontario, the halfway point between Toronto and Montreal, has a storied history of its own. A city of military significance since the 1600s, Kingston continues to attract thousands of tourists each year in no small part due to its treasured and protected historical sites. For residents, Kingston is a city full of life, arts and culture; one that 160,000 people in the surrounding vicinity call home.
If you live in Kingston and are looking for car insurance, you've come to the right place. The easiest way to get the best rate on the market and save on Kingston car insurance is to compare rates. Car insurance rates are always changing, which is why comparing rates at renewal, when you move, purchase a new vehicle, get married, or even just to see if you're still paying the best rate, pays.
Get a quote that is 26% less than the average market rate.*
*Based on the difference between the average lowest auto insurance premium and overall average auto insurance premium from our site in 2019.
You've got questions, we've got answers.
Insurers take a number of factors into consideration when establishing your auto insurance premiums. Some of these factors include:
Did you know that it's estimated that about 15.9 per cent of the population in Kingston have moved in the last year (whether to Kingston or within)?
Moving is one of those key times when you should definitely compare auto insurance rates to ensure your current providers is still giving you the best deal. As mentioned above, where you live has an impact on your rates, and the very street you move to could influence your premiums one way or another.
If you have recently moved, now is the perfect time to compare your Kingston auto insurance rate. You never know if another provider could provide you with a better rate for the same (or better!) coverage than you already have.
In Ontario, there are certain compulsory minimums that drivers are required to have by law, including:
Many drivers opt to increase coverage. For example, the minimum third-party liability coverage amount required is $200,000, but many drivers opt to increase this to $500,000, $1 million or $2 million, usually for a small cost.
In addition to opting to increase coverage, there are also optional coverages and endorsements that you can add to your policy for an additional fee. The following are some of the most popular:
Of all the Kingston drivers getting quotes at InsuranceHotline.com:
Whether you've got a spotless driving record or not, shopping around will likely net you a better rate on your Kingston car insurance.
At InsuranceHotline.com, drivers from Kingston are on average in their 30s, but even if you're younger or older InsuranceHotline.com can help you see if there's a better rate available.
Kingston drivers have indicated that on average they drive about 15,009 kilometres a year and have a daily commute of about 11 kilometres each way. The cars driven most by Kingston drivers in order from most popular, according to InsuranceHotline.com data, are made by Honda, Toyota, Ram Truck, Ford Truck and Hyundai.
Of the Kingston residents who are of working age, 70.5 per cent drive to work in either a car, truck or van (according to Statistics Canada) and 7.3 per cent are a passenger while someone else drives. The remaining commuters either walk, bike, take public transit or another method of transportation to work.
The median commuting time in Kingston is 15.5 minutes. Between 7 and 9 a.m., 53.5 per cent of Kingston residents leave for work, making it the busiest time to travel. In comparison, 26.8 per cent prefer to leave for work any time after 9 a.m. To avoid the morning Kingston rush, adjust your commute times to earlier in the morning or stroll in a little later after 9.
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 InsuranceHotline.com shoppers saved $450 comparing rates in 2017?
Compare your existing Kingston auto insurance rates today to what's available on the market to find out how much you could be saving on your auto insurance.
*The average savings on IH from Jan 2017-Dec 2017 was $450 (the average savings amount represents the difference between the consumers' recorded current premium and the lowest generated premium by InsuranceHotline.com)
Average car insurance savings for drivers in Kingston: $296.41
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 based on quotes completed by Kingston drivers on InsuranceHotline.com between January 1 and December 31, 2018.