Compare Kingston Car Insurance Quotes Online 2024
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Discover the methodologyLooking for car insurance in Kingston? You've come to the right place.
In this guide, we take you through everything you need to know about getting the cheapest car insurance in Kingston. Learn about the coverage options, the best plans available, and how you can lower your premiums.
Use our free tool and compare Kingston car insurance quotes from the best providers in Canada based on your unique needs. Get your free quote today and get the best deals right here.
Car Insurance Kingston, Ontario: 5 Key Takeaways
- Kingston's car insurance follows Ontario's rules and offers diverse coverage.
- Rates in Kingston are typically lower due to less traffic.
- Get quotes directly from companies or through brokers.
- Basic coverage includes liability, with optional extras available.
- Top providers: Economical, Intact, CAA, and TD Insurance.
How does car insurance work in Kingston?
Car insurance in Kingston follows the same rules as the rest of Ontario, Canada. It’s mandatory for all vehicle owners in Ontario. The Financial Services Regulatory Authority (FSRAO) regulates the industry.
- You can choose the provincial minimum coverage or opt for more comprehensive protection. The minimum covers basic liability but may not be enough for repairs or injuries in an accident.
- There are two main ways to get quotes: directly from insurance companies or through a broker. Brokers can compare rates from multiple companies to find you the best deal.
Rates in Kingston are generally lower than the provincial average due to less traffic congestion and fewer accidents. Use our free tool below to compare Kingston car insurance quotes online and get instant results.
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What is mandatory car insurance in Kingston, Ontario?
Ontario mandates four specific coverages in your car insurance policy:
- Third-Party liability coverage: This kicks in if you're responsible for an accident and someone else gets injured, killed or their property gets damaged. It covers legal costs and damage of up to a minimum of $200,000. Most opt for higher limits (like $1 million) as accidents can get expensive.
- Direct compensation property damage (DCPD) coverage: If someone else is at fault for the accident and damages your car, this coverage pays for repairs or replacement.
- Uninsured automobile coverage: This protects you if you get hit by a driver with no insurance or not enough coverage. It also applies to hit-and-run situations.
- Accident benefits coverage: Regardless of who caused the accident, this coverage helps you with medical expenses, rehabilitation costs and lost income if you're injured. It also provides benefits for survivors in case of a fatal accident.
Car insurance Kingston: Optional auto insurance
Mandatory insurance provides a basic level of protection, but optional coverage in Kingston can significantly improve your financial security in case of various mishaps. You can get:
- Collision coverage: Covers repairs to your car if it's damaged in an accident, regardless of fault. This includes collisions with other vehicles, objects or even single-car accidents.
- Comprehensive coverage: Protects your car from damages caused by non-collision events like fire, theft, vandalism, hail, falling objects and animal strikes.
- Specified Perils: This coverage protects your car against a list of specifically named events in your policy, like fire, theft or vandalism.
- All Perils: This broader coverage insures your car for almost any risk (except those explicitly excluded) unless otherwise specified in the policy.
Additional optional coverages
- Loss of use coverage: Reimburses you for rental car costs while your car is being repaired after a covered incident.
- Limited waiver of depreciation: Reduces the amount your car's value depreciates when calculating payouts for repairs or replacements.
Which OPCFs are valid on car insurance Kingston policies?
Here are your options:
| OPCF Number | Description |
|---|---|
| OPCF 20: Coverage for Transportation Replacement | Covers the cost of a rental car and its insurance if your car is damaged or stolen and requires repairs. |
| OPCF 27: Liability for Damage to Non-Owned Automobile(s) | Covers damage you cause to a vehicle you borrow or rent (usually up to $25,000-$50,000). |
| OPCF 39: Accident Waiver/Forgiveness | Protects your insurance premium from increasing after your first at-fault accident. |
| OPCF 43: Waiver of Depreciation (New Vehicles Only) | Removes depreciation deduction from the value of your car when making a claim for a total loss or major damage (typically for new vehicles under 5,000 kilometres). |
| OPCF 44R: Family Protection Coverage | Provides additional protection for you or your family members (named on the policy) if injured in a car accident, regardless of fault (including hit-and-run or accidents where you or your family members are not in the car). |
How much does car insurance in Kingston cost?
The cost of car insurance in Kingston is generally lower than the Ontario provincial average.
The average annual cost for Kingston drivers with a clean record and comprehensive/collision coverage falls between $1,100 and $1,239. For the last 5 years, the average is $1,575.
| Year | Average Annual Premium |
|---|---|
| 2023 | $1,812 |
| 2022 | $1,019 |
| 2021 | $1,791 |
| 2020 | $1,879 |
| 2019 | $1,376 |
But many factors can affect the cost, such as:
- Your age and driving experience: Younger drivers and those with less experience typically pay more due to higher perceived risk.
- Your driving record: Accidents, speeding tickets and other violations can significantly increase your premium.
- Your location: While Kingston has lower rates, your postal code within Kingston might affect the cost slightly.
- Vehicle type and use: The type of car you drive (performance cars typically cost more), how often you use it and your annual mileage all play a role.
- Coverage options: Choosing higher coverage limits or adding optional coverages like accident forgiveness or waiver of depreciation will increase your premium.
Use our comparator to get personalized car insurance quotes in Kingston — based on your needs and budget. It's free to use and completely online.
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Which companies offer the best car insurance Kingston policies?
There are many options. Here are some well-reputed companies that offer great coverage in Kingston:
- Economical Insurance
So, there's Economical Insurance, perfect for those who want basic coverage without breaking the bank. It's all about keeping things affordable while meeting legal requirements. Just know, you might not get all the fancy add-ons some other companies offer.
- Intact Insurance
Then there's Intact Insurance. It has got quite a reputation for its top-notch customer service. Plus, it offers a wide range of coverage options, from the basics to full-on protection. And hey, Intact even throws in some discounts, like bundling your car and home insurance or taking defensive driving courses.
- CAA
If you're already a member of the Canadian Automobile Association (CAA), you might want to check out their car insurance too. It's convenient if you're already using their roadside assistance and snagging discounts on rentals and repairs. But fair warning, their prices might not always be the lowest.
- TD Insurance
And last but not least, TD Insurance. If you're a TD customer, bundling your car insurance with your other TD products might sound pretty sweet. It's all about convenience. But again, if you're strictly looking at the price tag, there might be more economical options out there.
The more, the merrier!
Here are some other companies that offer car insurance quotes in Kingston:
- McDougall Insurance & Financial offers auto insurance through various companies and can help you find the best coverage and rates.
- Dorey & Tolgyesi Insurance Brokers Ltd. is an insurance agency that can provide quotes from multiple companies.
- Philip MacLean — Desjardins Insurance Agent — can provide car insurance quotes from Desjardins Insurance.
- Allstate Insurance has a location in Kingston and offers car insurance quotes. You can get a quote online or by calling them.
What areas have cheap Kingston car insurance options?
Insurance companies typically base rates on postal codes, which can encompass a larger area than a single neighbourhood. Also, rates within a postal code might vary slightly depending on factors like traffic congestion on specific streets.
Not to mention that car insurance premiums are primarily determined by factors related to the driver and their car, not necessarily the specific neighbourhood they live in. Age, driving record, type of car and annual mileage are some key influences.
That said, Rideau Heights (K7K), Amherstview (K7N) Woodlands (K7M), Hillendale (K7P) and Cataraqui K7L) are known to have cheaper car insurance than other areas.
You can use our comparator to compare options in your area and find the cheapest one.
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