Compare Kitchener car insurance quotes for free. Find your best price in minutes. 

Compare Kitchener car insurance rates and save more than 24%.* 

Get quotes from 50+ Canadian providers in 3 minutes.

Get quotes from 50+ Canadian providers in 3 minutes.

Compare Kitchener car insurance quotes from top auto insurance providers 

25,168 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
Angela
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 17
Good pricing
Pleasant broker and helpful
Phyllis
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
ct
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
KAREN FOBERT
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
mark
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
shr
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
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

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

Compare

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

Save

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

Car insurance in Kitchener

Car insurance in Kitchener is mandated by law, same as in the rest of Ontario. The Financial Services Regulatory Authority of Ontario (FSRA) is the regulatory body responsible for making sure that auto insurance providers’ rates are fair and affordable. It requires both agents and companies to be licensed and follow specific legal guidelines. It also protects car buyers’ rights by reviewing their complaints to ensure insurance providers obey all the rules. 

The good news is that car insurance in Kitchener isn’t nearly as expensive as it is in other parts of Ontario, so you should be able to find an affordable rate. Consider using LowestRates.ca to find the lowest auto insurance rates in your area. 

Mandatory coverage for Kitchener drivers 

If you intend to drive in Kitchener and the rest of Ontario, you must purchase basic car insurance. 

Here are the coverages you’re required to carry by law: 

Optional coverage for Kitchener drivers

As you can tell, a lot can happen to you or your vehicle, and a lot of it will not be covered by your basic insurance. As a result, you may purchase additional coverage. Here are some of your options:

Factors that determine your car insurance rates in Kitchener 

Whether you’re in Kitchener or anywhere else in Ontario, there are certain factors that will affect your car insurance rate. Here are some of the biggest ones: 

Car insurance rates for Kitchener seniors 

Drivers as young as 50 can start looking into senior car insurance rates. Generally, the rates are lower for drivers who are in their 50s and 60s, since insurance companies deem this age group the safest of all. However, the rates do go up slightly once drivers hit their 70s and 80s. 

This shouldn’t stop you from hunting for lower rates, however, especially if you have a long driving history and a relatively clean driving record (meaning few to no tickets or insurance claims). So, either talk to your current provider to secure a discount or shop around using a service like LowestRates.ca to find the lowest car insurance rate on the market. Just remember, your age isn’t the only factor that determines your insurance rate, as all of the above-listed factors still apply (some less so than others, of course).  

Car insurance rates for students in Kitchener 

If you’re a student who drives and pays tuition fees, then you’re likely looking for ways to lower your insurance rate. The problem is – you're probably under 25 and are considered a ‘young’ driver. Insurers view young drivers as inexperienced, and thus, high-risk, which makes their rates higher. 

Of course, this doesn’t mean there is nothing to be done. You can, for instance, bundle your car insurance with your home or tenant insurance. Or, if you haven’t done so already, you can enroll in a government-approved driving program to get a driving certificate. Doing so could lower your rate. You can also increase your deductible – though be careful, because a car accident may end up costing you a lot of money down the line. In addition, consider using comparison tools like LowersRates.ca to secure the lowest student insurance rate

Finally, don’t give up. Continue driving and building a consistent driving record. Drive carefully and follow all the basic driving safety rules, such as wearing a seat belt, avoiding driving while intoxicated and obeying speed limits. If you want your rates to go down, you must maintain a clean driving record and avoid filing insurance claims (by not getting into accidents). 

Car insurance for new immigrants in Kitchener 

Though as a newcomer to Canada you may have a valid driver’s license from your previous country of residence, you’ll still have to apply for a Canadian driver’s license. And you’ll have to do it within 60 days of your arrival. 

Once you secure your class G2 or G license, you’ll need to purchase car insurance. If you intend to drive in Ontario, you’ll need it regardless of whether you own a vehicle or not. Do note that if you don’t have an insurance record from your country of origin, insurers will treat you as a ‘new’ or ‘inexperienced’ driver, which will increase your auto insurance rate. 

However, you do have options to lower it. You can bundle your car insurance with your tenant or home insurance. You can also enroll in a government-approved driving program, which will not only help you familiarize yourself with Canadian driving rules but lower your premium. Increasing your deductible will reduce your premium as well. However, if you experience a major car crash, you may have to pay for the consequences out of pocket. 

Lastly, don’t be afraid to shop around. Car insurance rates vary due to many different factors. This means that no insurer will offer you the same price. Try using tools like LowestRates.ca to compare and find the lowest rates possible.  

As you keep driving, be sure to maintain a clean driving record – meaning no traffic tickets or filed claims – and you'll eventually see your insurance rates go down.  

Car insurance for high-risk drivers in Kitchener 

If you’ve had many traffic tickets and at-fault accidents, then you’re a high-risk driver. As a result, your car insurance premium is probably also high, and for a good reason – you’re more likely to file an insurance claim than most drivers. 

To deal with this, your best bet is to analyze your driving habits and try to reduce your risk factors. Drive carefully and obey all the basic safety rules, including wearing a seat belt, following speed limits and not driving while under the influence of alcohol or other substances. 

If you’re having trouble getting insurance in the first place, you may want to use the Facility Association – an insurance pool that includes all auto insurance companies and provides insurance to those who can’t get it on the regular market. Note that while individual providers can refuse to sell you insurance if you’re deemed high-risk, the insurance industry as a whole is obligated to provide you with basic insurance for as long as you hold on to your driver’s license. 

You can also compare quotes using LowestRates.ca to find the best rates for high-risk drivers.

We can help you find cheap car insurance quotes in Kitchener.

Kitchener is the largest region in Ontario’s Tri-City, located approximately 100 kilometres southwest of Toronto. A growing community, the city is surrounded by a number of highways.

With so many high-density transport routes in the area, it’s no wonder Kitchener drivers are looking for the cheapest rates on auto insurance. Once you get closer to downtown Kitchener, streets can get very congested due to the roads narrowing near the centre of town.

While car insurance rates in Kitchener are cheaper than in many Canadian cities, you can make sure you secure the best possible rate by comparing quotes on LowestRates.ca. Luckily, there are lots of auto insurance companies serving Kitchener that may be a perfect fit. The best way to find out is to compare the market. At LowestRates.ca, you can find the cheapest car insurance prices from Kitchener car insurance brokers in your area — just like that.

 

Front view of a car. Illustration.

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

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from April 22, 2024
Customer
Male, 37 years old
Location
kitchener
Vehicle
2020 LAND ROVER DISCOVERY SE SI6 4DR AWD
Lowest Rate
$466/mth
$5,587/yr
Average Rate
$589/mth
$7,063/yr
Saved
$123/mth
20.90%
Quote from April 22, 2024
Customer
Male, 34 years old
Location
kitchener
Vehicle
2011 HYUNDAI SANTA FE LIMITED V6 4DR AWD
Lowest Rate
$106/mth
$1,270/yr
Average Rate
$153/mth
$1,840/yr
Saved
$48/mth
30.98%
Quote from April 22, 2024
Customer
Female, 22 years old
Location
kitchener
Vehicle
2019 TOYOTA HIGHLANDER XLE V6 4DR AWD
Lowest Rate
$260/mth
$3,119/yr
Average Rate
$368/mth
$4,414/yr
Saved
$108/mth
29.34%

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

Focus on

Driving in Kitchener.

Most popular cars in Kitchener.

The population of the Kitchener-Cambridge-Waterloo area is about 600,000 and growing. Affordable living costs and a robust job market have made the Tri-City a popular destination. With a growing population — many of them young families — Kitchener drivers largely have a preference for sensible cars. Here are the most popular car brands in Kitchener, based on data from LowestRates.ca:

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Nissan
  5. Ford

Who shops for car insurance in Kitchener?

Kitchener is one of Ontario’s fastest growing regions with a thriving tech sector and a number of universities in the region. As a result, Kitchener drivers are diverse. Here’s a snapshot of who’s shopping for cheap auto insurance quotes in Kitchener.

Gender of our users

Male
70%
Female
30%

Average Age

31

years old

Tickets & Accidents

Have Tickets
15.06%
Have Had Accidents
12.44%

How to get the cheapest car insurance in Kitchener. 

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.

Facts and myths about Kitchener auto insurance 

Kitchener auto insurance is the same as it is anywhere else in Ontario. Therefore, many of the myths surrounding it are equally similar, and you might’ve even heard some of them yourself. 

With that in mind, let’s explore some of the most prominent facts and myths about auto insurance in Kitchener:  

 

Frequently asked questions about car insurance in Kitchener. 

Looking for more auto insurance info? Check out our Help Centre.

How much is car insurance in Kitchener?

There is no set car insurance rate for Kitchener. Individual factors such as your driving record, age, car and so on will all play a role in determining your particular premium. Your neighbourhood in Kitchener will contribute to this number as well. To learn more, be sure to compare quotes on LowestRates.ca to see the range of available premiums in your area

Which Kitchener postal code has the highest premiums?

Kitchener postal codes that start with N2B and N2N had the highest average insurance premiums in 2021.  

Higher crime rates, which lead to increased car theft and vandalism, are likely the reason for the more expensive premiums. Denser traffic, which usually results in more accidents and insurance claims, may be the other reason.  

Which Kitchener postal code has the lowest premiums?

Postal codes starting with N2A, N2C, N2E, N2G, N2M, N2P and N2R had the lowest annual premiums in 2021, according to our data. 

Lower traffic density, which means fewer accidents and insurance claims, and less crime, which results in fewer car thefts and related acts of vandalism, are likely why the premiums are cheaper in those areas.

How do Kitchener car insurance quotes compare to other cities in Ontario?

According to our research, Kitchener's annual car insurance rate in 2021 was roughly 30% lower than the annual rate in Toronto, which has some of the highest rates in Ontario.

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

According to our data, postal codes starting with N2A, N2C, N2E, N2G, N2M, N2P and N2R had the cheapest car insurance rates in Kitchener in 2021. 

However, you will also need to account for factors that are specific to you, all of which will play a role in determining your premium. Those factors include: 

  • Driving record 

  • Mileage 

  • Vehicle 

  • Age 

  • Sex 

The best way to determine your car insurance rate is to fill out your personal details on LowestRates.ca to discover the lowest car insurance rates available to you. 

What are some tips for driving in Kitchener?

Navigate roundabouts properly. Roundabouts were introduced to the Region of Waterloo in 2004, and many have popped up along major roads in Kitchener. Make sure you navigate roundabouts properly. Yield to vehicles already in them and stay in the same lane as you make your way through.

Use the Conestoga Parkway to reach Waterloo. The roads in town can get congested and delay trips to work or school in the morning. The Conestoga Parkway is an expressway that runs through Kitchener and connects to Highway 85 heading north through Waterloo. If your job or class is in the neighbouring twin city, the Parkway can shave valuable time off your commute.

Avoid downtown King Street. At the centre of the city, King Street narrows to one lane both ways in downtown Kitchener. The city is also planning to convert King Street into a pedestrian-friendly area, which will further inhibit the flow of traffic. Driving down King Street on a morning or afternoon workday can take longer than you planned, so plan another route.

Taras Trofimov

Taras Trofimov 

About the Author

Taras is the Content Manager for LowestRates.ca. He has produced thought leadership content for organizations like Constellation Software, Facebook and Yellow Pages as well as outlets like The Globe and Mail, Autoblog and MSN Autos.

 

Auto insurance news

Read More Like This

*Represents the average saved by shoppers who obtained a Kitchener quote on LowestRates.ca 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 LowestRates.ca.