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What our users say:

June 2
The staff that spoke with me was patient and professional. She has a good human ...
Gbemisola Eyinfunjowo
May 31
Great service
Great service
Russell Hall
May 27
Quick and easy
Quick and easy, quotes in minutes. Great customer service reps, helpful and know...
May 19
Very simple and quick
Very simple and quick
Shannah B
May 17
Customer service was great
Customer service was great
May 17
Good service and information
Good service and information
May 17
questions answered
questions answered
Aaron Ridsdale
May 16
Excellent customer seevice
Excellent customer seevice
Dave Roach
May 13
Agent listened and answered all…
Agent listened and answered all questions. She was very thorough and quick!
Ben Reginella
May 11
Simply professional and pleasant
Simply professional and pleasant Thank you đź‘Ť
Eric Ifrah
May 11
Very polite and explained themselves…
Very polite and explained themselves well
Marilyn Bergeron
May 10
Easy & Professional
Easy, fast, efficient & professional.
May 9
Great service
Great service Very pleasant to talk to
Joesph Vachon
May 8
Fast, friendly and knowledgable service.
I was still completing the online search form for new insurance when my phone ra...
Bonnie Wilson
May 6
Fast and easy
They phoned me literally within 30 seconds after my search and helped answer all...
Haley Adkins
May 5
I got the lowest rates I was looking…
I got the lowest rates I was looking for. Thank you.
Muhammed Ibrahim
April 26
Very little time on hold
Very little time on hold Easy to understand Friendly Really got a great deal
April 26
My consultant Anees took me through the…
My consultant Anees took me through the whole process from my initial call, to r...
April 22
My agent was easy to understand so the…
My agent was easy to understand so the process went well.
Jeffrey Kirkham
April 20
The best deal in insurance. Don’t go it alone you need expert help. are doing what I couldn’t do…
They are doing what I couldn’t do myself. They know exactly where to go to fin...
Graham Watson
April 19
I'm retired so I try to keep my cost down
your agent was very help full
Dominic Zaccaria
April 16
Very affordable auto insurance.
Very helpful representatives and gave me good price on auto insurance. So happy ...
April 13
A great service to connect you with the best rates.
I found the person on the phone to be helpful, courteous and professional. She p...
Rod D
April 13
Quick response
Quick response Friendly people Great price. Very happy
Scott Craggs
April 13
Very nice to talk to and efficient were…
Very nice to talk to and efficient were not in a rush explained everything
Tanya Cox
April 12
Review Hitesh Shriyan
Review Tks. Courteous competent complete.
Françoise Pierre-Pierre
April 11
Amy was fantastic
Amy was fantastic, explaining, asking if we wanted extensions and suggested exte...
Dianne Waudby

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


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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 June 05, 2023
Female, 28 years old
Lowest Rate
Average Rate
Quote from June 05, 2023
Female, 28 years old
Lowest Rate
Average Rate

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.