Cheap Kitchener-Waterloo Car Insurance Quotes

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Mandatory & optional auto insurance coverage in Kitchener

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.

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The Waterloo region is rooted in history. Kitchener, originally called Berlin, remains a bridge between the worlds of old and new. The St. Jacobs Farmers Market is located nearby on one side while two top universities are found in neighbouring Waterloo. More than 230,000 people call Kitchener home and, as part of the Waterloo Region, so too do many top tech employers. As the region continues to grow and attract more talent and families to the area, the roads will become busier and it will become even more important for drivers to ensure theyre getting the best car insurance rate.

Thats why were here. helps drivers in Kitchener and Waterloo find better rates on their car insurance by comparing quotes from more than 30 of Canadas most trusted insurance companies. Were confident its the easiest and fastest way to save money on your auto insurance. Compare to find out if you could be paying less on your premiums.

Car insurance in Kitchener-Waterloo: Things you should know

Shopping for KW auto insurance quotes

Car insurance rates in the Waterloo region can vary by hundreds and even thousands of dollars, so it pays to shop around. Just as Kitchener has modernized over time, so too has the process of shopping for car insurance. No longer do you have to reach out to individual companies to get rates. We get rid of all the monotonous parts by scanning the market for you through our network of licensed insurance professionals. is the best way for drivers in KW to find lower auto insurance rates by providing instant, free, real-time quotes to drivers in the Waterloo region and beyond.

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How does work? does not actually provide insurance to consumers and is not owned by any part of the insurance industry. This allows us to remain focused on what's most important - finding you the best rate on your car insurance. 

The power of is our extensive list of insurance professionals who cover most major insurance companies and markets and help lower your car insurance costs. You are in no way required to purchase insurance from the companies we quote. Our service exists to show you how wide the market is and makes it easy to switch providers to one that offers you a better rate.

Make sure you aren't overpaying for your car insurance by comparing your existing rate to the lowest rate available today.

What information do I need to have on hand to compare Kitchener auto insurance quotes?

The first step to saving on Kitchener car insurance starts with filling out our simple form. Don't worry, it's an easy step-by-step form that takes five minutes or less to complete-and the best part is you only have to do it once to see all the available rates. 

The form helps us give you the most accurate quotes possible. Some things you need to provide include:

  • The year, make and model of your vehicle
  • The type of driver's licence you have and when you got it
  • A few questions about your claims history (example: if you've ever been in a collision)

Try it now and join the millions of Canadians who have used our service to save on Kitchener auto insurance. gave me a great rate! Now what?

Once you've selected the quote you want, secure your rate by speaking directly to a professional insurance broker or agent. You can choose if you prefer email or phone to kick off the conversation. Most people choose phone because it's an easy way to ask questions including finding out which other discounts you might be eligible for (yes, there might be more!). works by partnering with numerous insurance agents and brokers. After you run your quotes through us, we'll connect you with the person responsible for providing the quote. It's even easier than it sounds. Our mission is to make this as simple and painless as possible for you so that you can get back to your day with more money in the bank.

What if a better car insurance rate becomes available?

Car insurance rates change all the time, just like mortgages. That's why we offer a complimentary rate alert service you can opt into that sends you an email when a better rate becomes available. You have the option of choosing how often you want this email (typically every three to six months). If you're interested in this service, simply check the box when prompted in the quoting process. 

Rate alert helps you stay informed of any changes, absolutely free and will even remind you when it's time to renew your Kitchener auto insurance.

Fun facts for Kitchener car insurance quotes completed on

Trends unique to KW drivers

Most popular vehicles insured by married couples in Kitchener: Nissan Murano, Toyota Corolla, Honda CR-V, Toyota Camry, Hyundai Tucson

Most popular vehicles insured by singles in Kitchener: Hyundai Elantra, Chevrolet Cruze, Honda Civic, Mazda 3, Toyota Corolla

Percentage of drivers who have had no accidents in the past 10 years: 88.41%

Average annual mileage for drivers in Kitchener: 14,670 km

Most popular discounts for Kitchener drivers: Conestoga College Institute of Technology and Advanced Learning, University of Waterloo, Wilfred Laurier Alumni Association, Centennial College Alumni Association

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

*Represents the average saved by Kitchener-Waterloo shoppers who obtained an auto insurance quote on 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 Separately, the average savings for Kitchener is $938 and $961.