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Get the best price on your Kingston auto insurance

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. 

How much could you save? 

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.

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?

Insurers take a number of factors into consideration when establishing your auto insurance premiums. 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?

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.

What type of car insurance coverage do I need?

In Ontario, there are certain compulsory minimums that drivers are required to have by law, including:

  • Third-party Liability Coverage 
  • Statutory Accident Benefits Coverage
  • Direct Compensation - Property Damage (DC-PC) coverage
  • Uninsured Automobile Coverage

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.

What optional coverage and endorsements can I add to my policy?

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:

  • Collision coverage: this covers damage to your vehicle as a result of an impact of collision with another vehicle or object.
  • Comprehensive coverage: this protects your car against damage caused by events like theft and vandalism.
  • Loss of use: In case you're in an accident, this covers transportation costs such as a rental car while your vehicle is being repaired or replaced.
  • Rental car: If you frequently rent cars, this ensures that your rentals have both collision and comprehensive coverage.
  • Depreciation Waiver: If you have a new car, this endorsement ensures you'll receive the full value of your vehicle in case it ever ends up being considered a total loss.

Are Kingston drivers good drivers?

Of all the Kingston drivers getting quotes at 

  • 73.7 per cent of them said they have a clean driving history with no tickets, accidents or licence suspensions
  • 11.9 per cent said they had at least one traffic ticket
  • 11.4 per cent admit to having been involved in at least one collision
  • 1.9 per cent (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.

What are the typical driving habits for drivers in Kingston?

At, drivers from Kingston are on average in their 30s, but even if you're younger or older 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 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.

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 $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

Fun facts derived from quotes completed on 

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

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 between January 1 and December 31, 2018.