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 type||Mandatory coverage||Optional/ 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.|
|Direct Compensation-Property Damage (DC-PD)||Covers damage to your car, or loss of use of your vehicle, if someone else is at fault. Must involve another insured vehicle.||For additional vehicle coverage, including for when you are at-fault, consider collision coverage.|
|Uninsured Automobile Insurance||Provides 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 Benefits||Provides 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.|
|Collision Coverage (Also Upset Coverage)||Optional||Covers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.|
|Comprehensive coverage||Optional||Covers 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 Coverage||Optional||Covers 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 Coverage||Optional||Combines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.|
|OPCF 20: Coverage for Transportation Replacement||Optional||Covers 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)||Optional||Covers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.|
|OPCF 39: Accident Waiver/Forgiveness||Optional||Protect your premium from rising when you have your first at-fault accident.|
|OPCF 16: Suspension of coverage||Optional||This 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 depreciation||Optional||Ensures 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 coverage||Optional||Ensures 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 glass||Optional||For 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 deductible||Optional||Adds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.|
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|Savings: $792 (23%)|
|Savings: $481 (22%)|
|Savings: $498 (24%)|
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.
|Rank||City||Average 2021 premium||Change 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).
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:
Here are the top 7 tips to get the cheapest car insurance in Kingston:
You've got questions, we've got answers.
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:
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. InsuranceHotline.com 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.
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.
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 InsuranceHotline.com and find the insurer offering the best rate for you.
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 $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.
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 InsuranceHotline.com between January 1 and December 31, 2018.
*Represents the average saved by Kingston shoppers who obtained an auto insurance quote on InsuranceHotline.com and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by InsuranceHotline.com.