Get cheap Kingston car insurance.

Compare Kingston car insurance rates and save more than 21%.* 

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Get quotes from 50+ Canadian providers in 3 minutes.

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24,253 Canadians

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What our users say:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
July 13
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

How comparing Kingston auto insurance quotes works. Hint: it’s free!


Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.


When you find the best quote, secure your Hamilton auto insurance rate by talking to a licensed broker or agent.

Car insurance in Kingston, Ontario.

We've helped drivers in Kingston, Ont. save hundreds of dollars a year on their car insurance by making it easy to compare auto insurance quotes from Ontario's best insurance providers.'s quote comparison is free and takes as little as 3 minutes to use from start to finish. We'll show you quotes from 50+ insurance providers in just a few minutes. Once you find a cheaper car insurance rate, we'll also connect you with the Kingston car insurance provider that can secure your new (cheaper) rate.

Enter your postal code, answer a few questions, and review your new quotes. It's that easy.

Mandatory auto insurance coverage in Kingston.

Car insurance is mandatory in Ontario. It's against the law to operate a car without insurance; fines can range from $5,000 to $25,000.

The provincial government decides which types of insurance coverage are mandatory for drivers and how much of it they need.

A standard auto insurance policy must include the following coverages and amounts.

Third-party liability: Covers you if you injure someone or cause property damage with your car.

Accident benefits: Pays for medical and rehabilitative care not covered by Medicare and provides some income replacement and compensation for funeral expenses.

Direct compensation property damage (DCPD): Pays for medical and rehabilitative care not covered by Medicare and provides some income replacement and compensation for funeral expenses.

Uninsured vehicle: Protects you and your vehicle passengers if you are ever involved in an accident with an uninsured car or a hit-and-run driver. It provides compensation for loss of life and injuries, as well as compensation for property damage.

Optional auto insurance coverage in Kingston.

While the government sets the minimum amount of insurance, you can enhance your protection with optional insurance products.

Collision: Helps pay to repair or replace your car if it's damaged in a collision that you caused. You usually have to pay a deductible for this coverage. Filing a claim against this coverage can raise your premiums in the future.

Comprehensive: It helps pay to repair or replace your car when it's damaged by something other than a collision. For instance, hail, fire, falling objects, animals, theft, or vandalism.

All perils: A combination of collision and comprehensive coverage.

Specified perils: Instead of paying for blanket coverage offered by comprehensive coverage, you can pick and choose which insured perils you want coverage from. Risks that are typically excluded under specified perils are falling objects, animal damage, and vandalism.

Factors that determine your car insurance rates in Kingston.

Insurance companies consider various factors when determining what to charge you for insurance.

These include your characteristics, driving and insurance history, and the broader economy.

When an insurer evaluates how much risk you present as a driver, they're looking at the following:

As mentioned earlier, many other factors that have nothing to do with who you are or your behaviour also dictate insurance premiums. Insurance is pooled risk; the actions of others affect your insurance rates.

Car insurance rates for Kingston seniors.

Seasoned drivers pay the lowest insurance rates of any other demographic. They have long insurance histories and driving records and often have multiple policies with the same insurer (for example, home and auto insurance).

Your insurance might increase as you get into your senior years. If you've noticed a rate increase, comparing rates from different insurers might result in finding a cheaper rate.

Car insurance rates for students in Kingston.

Drivers in their teens and early to mid-twenties pay the highest premiums for insurance, even if they don't have claims or convictions on record.

On the larger scale, though, inexperienced drivers are more likely to file claims, and expensive ones at that. Young men are at a much higher risk than young women for this, as well. The good news? Start building a driving and insurance history at age 16, and your premiums will decline by your mid-twenties.

By your early thirties, car insurance will be much more affordable. You can do a few things while you're young to take control of your car insurance premiums.

The most important thing you can do is to remain accident and conviction free. A driving course from a provincially accredited school will teach you how to do that. It will also net you a slight discount on your insurance premium. Make sure you take the course from a school recognized by the province and your insurance company.

Other discounts are available to young drivers. Some insurance providers will offer discounts for maintaining a solid grade point average if you're attending post-secondary. Ask providers if they offer such a discount and what the qualifying GPA is.

Car insurance for new immigrants in Kingston.

Recently immigrated to Kingston from another country and want to drive in Ontario? You can use your licence from your home country for 60 days from the date of your arrival in Ontario.

After that, you will need an Ontario driver's licence and car insurance from a Canadian provider.

Ontario has a graduated licencing system, which has three stages and takes about two years to complete. However, depending on which country you're coming from, you may not need to start from the very beginning. Ontario recognizes licences from the following countries as equivalent to an Ontario one: Australia, Austria, Belgium, France, Germany, Great Britain, the Isle of Man, Japan, South Korea, New Zealand, Northern Ireland, the Republic of Ireland, Switzerland, Taiwan, United States.

If your country of origin isn't on this list, you might not need to start from the beginning of the licencing process. It depends on how much driving experience you have. You might be able to secure a driving credit that will allow you to skip a level when qualifying for your Ontario licence. You will need documentation from your country's embassy in either English or French to apply and a written translation from a qualified translator if necessary.

Speak with a representative at a DriveTest Centre, the organization that offers licencing and examination services on behalf of the Ministry of Transportation, to see if you qualify.

You can also request your previous car insurance provider to give a reference to your new Ontario insurance company. Sharing information about your favourable insurance and driving history can help lower your rate.

Car insurance for high-risk drivers in Kingston.

High-risk drivers have expensive insurance premiums.

High-risk drivers have at least two or more at-fault claims within the last decade or multiple driving convictions within the previous three years.

A single minor driving conviction won't automatically put you in the high-risk category. However, having your coverage cancelled due to non-payment will put you in the high-risk category, as will committing insurance fraud (which can be as simple as lying about your address).

If any of these apply to you, your insurance company will likely consider you a high-risk driver. It shouldn't be a surprise – your premiums probably reflect this fact.

Ontario's all-comers rule limits insurance companies' ability to deny drivers coverage (unless they've been banned from driving). However, most mainstream providers will offer insurance coverage at a premium.

Your best bet will be getting insurance from a company specializing in high-risk car insurance. compares the best high-risk car insurance providers in Ontario to obtain the coverage you need at the best rate.

Front view of a car. Illustration.

See how our customers in Kingston save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from February 20, 2024
Male, 22 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Male, 30 years old
Lowest Rate
Average Rate
Quote from February 20, 2024
Female, 43 years old
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

What can I do to get cheap car insurance in Kingston?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Focus on

Statistics for insured Kingston drivers.

Most popular cars in Kingston.

Here's a snapshot of the kind of cars Kingston auto insurance shoppers are driving, based on the thousands of car insurance quotes completed on

Popular Brands

  1. Honda
  2. Ford
  3. Mazda
  4. Chevrolet
  5. Dodge

Who shops for auto insurance in Kingston?

Here’s the percentage of users from Kingston drivers with accidents and traffic convictions on their insurance records.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Frequently asked questions about car insurance in Kingston.


How much is car insurance in Kingston?

The place you call home affects how much you pay for insurance. However, regional averages are not always the best predictor of what you'll pay for insurance. Comparing quotes is the best way to estimate how much you will pay as a driver in Kingston.

That's because your premium is driven by car choice, daily mileage, and driving and insurance track record.

That said, according to the most recent figures from the Insurance Bureau of Canada, the average Ontario premium to have been $1,655 in 2020.

Apply for a quote and see for yourself how your lowest rate compares to the provincial average.

What companies offer auto insurance in Kingston?

Ontario has the largest selection of auto insurance companies in all of Canada, meaning Thunder Bay drivers have lots of options for insurers. A large selection means competition – so don't settle for the first quote you get. Make sure you're seeing what the whole market can offer. compares 50+ insurance providers, and we're continually adding new providers to our online marketplace to ensure our site reflects the Ontario auto insurance market. Providers we've worked with include:

Learn more about insurance companies providing coverage in Canada.

Which company has the best car insurance in Kingston?

The answer to this question is different for everyone. Insurance companies all take a different approaches to risk, which means they rate customers differently. Some are more willing to take on younger customers. Others are more conservative and only want to offer insurance to seasoned drivers.

If an insurance company wants your business, you'll know because they offer you the lowest rate.

How do you know if your quote is the lowest it can go? Get quotes from multiple insurance companies. Compare 50+ insurance providers on to see which insurance company is the right fit for you.

Where do I get the cheapest car insurance quotes in Kingston?

Unfortunately, flat-rate insurance doesn't exist – anywhere. Your cheapest quote will likely be different from another driver's personal best quote.

The best way to find out which insurance company is offering insurance at the cheapest rate is to compare the market.

Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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*Shoppers in Ontario who obtained a quote on from January to December 2021 saved an average of 32%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by and displayed to shoppers.

*Represents the average saved by shoppers who obtained a Kingston 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