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Kingston Car Insurance

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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated July 27, 2023

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated July 27, 2023

Visit author page
Article Contents

Kingston Auto Insurance

Kingston is a great city located halfway between Toronto and Montreal. Founded in 1673, it is one of the older colonial cities in Canada and has a rich history.

There are a few ways for residents and visitors to get around in and around Kingston. The city has a public bus system that goes throughout the urban areas and the suburb of Amherstview. It also offers various park-and-ride stops for residents who may want to take the bus but are not quite within walking distance of a bus stop.

However, the bus system cannot always get residents everywhere they would like to go, especially if they live outside the urban center. Given this, many people who live in Kingston choose to have a car as their primary mode of transportation. 

It is mandatory for all Kingston drivers—and all Ontario drivers, for that matter—to have auto insurance. We recommend you compare car insurance in Kingston to get the best rates possible when purchasing your Kingston auto insurance, and at MyChoice, we make comparing auto insurance quotes quick and easy.

Kingston Car Insurance FAQs

How much is car insurance in Kingston?

The average price for car insurance premiums in Kingston is between $950 to $1,049. The provincial average for similar coverage is about $1,316 to $1,920. Kingston rates are significantly cheaper than the Ontario average, but the final costs will depend on your driving and insurance history, postal code, insurance coverage, and vehicle type.

At MyChoice, we make it easy to find the best car insurance rates in Kingson. In as little as three minutes, we’ll compile dozens of car insurance quotes from the area’s top insurance agencies for you.

Is car insurance in Kingston expensive?

Kingston is one of the best places to find cheap car insurance in Ontario. The annual average cost for car insurance in the Greater Ontario Area is around $1,500, but many drivers pay up to $1,900. The average price in Kingston falls over $500 or 25% below that average for the same coverage.

In comparison to individual cities, Kingston’s rates are also significantly below average. For instance, London’s annual car insurance costs are about $1,400, Hamilton is about $1,600, and Brampton is about $2,300. These rates vary due to driver demographics, population, claims costs per region, and the amount of insurance fraud in the area.

How do you get the cheapest car insurance in Kingston?

Comparing quotes once a year is the best way to ensure that you find the cheapest car insurance available. Searching through hundreds of insurance companies can be time-consuming—but not with MyChoice. You’ll find everything you need right here within minutes.

We also recommend evaluating your coverage needs if you are carrying more than the minimum coverage levels. If you find yourself over-insured, cutting some coverage can help reduce your premium.

There are other ways you can ensure you find the best insurance rate as well, such as discounts. Bundling your insurance policies or taking driver’s education classes can save you up to 15%. However, these discounts also vary by provider, which makes shopping around even more crucial.

When is a good time to compare car insurance rates in Kingston?

There is no specific time to compare insurance rates as far as the date but doing so around the time your current insurance policy is due to renew is ideal. Insurance rates constantly change. Checking your rates yearly will ensure that you have the most competitive rate possible.

You should also consider comparing rates after any change that could affect your insurance premiums. For instance, losing income, having an auto accident, getting married, turning 35, or adding drivers to a preexisting policy impact your rates. A change in your credit score will also affect your premium costs.

Which car has the cheapest car insurance in Kingston?

The cheapest car to insure may not be the most affordable car to buy. For Ontario as a whole, the Honda Civic, Kia Forte, Mitsubishi Mirage, Mazda 3, and Chevrolet Spark have the lowest insurance rates.

Car insurance companies often use car makes and models to help determine premium rates. They consider safety features, crash avoidance technology, car style, the likeliness of theft or vandalism, safety ratings, and repair and replacement costs.

Because of their car classifications, drivers who own luxury cars will pay more than those with simple late-model vehicles. After-market upgrades can also increase your insurance costs as they increase the value of your vehicle.

What is the cheapest postal code for car insurance in Kingston?

Kingston is one of the cheapest cities in Ontario for car insurance, but drivers living in neighbourhoods within the K7L and 5G2 postal code areas tend to pay the lowest insurance premiums.

The city is densely populated, but the region doesn’t have many corporate or commercial businesses. Kingston focuses more on public service. As a result, the area is low-risk overall.

In comparison, Brampton is another densely populated city in Ontario. However, its residents pay up to 44% more than the average premium cost for car insurance for the province.

What are the most dangerous intersections in Kingston?

The busiest and most accident-prone intersections in Kingston include Woodbine Road and Bayridge Drive, Centennial Drive and Cataraqui Woods Drive, and Norman Rogers Drive and Sir John A. MacDonald Boulevard.

While frequently passing through busy intersections won’t directly raise your insurance rate, it will increase the probability you’ll get in an auto accident—and nothing raises rates faster than accidents or traffic violations. In addition to avoiding the intersections above, it’s best to try to avoid driving during high-traffic periods.

Things To Consider When Choosing Car Insurance

There are a number of factors to consider when choosing car insurance. Some of these include your budget, the type of car you drive, your driving record, where you live, and whether you qualify for a discount. 

Currently, Ontario has the highest insurance premiums of any province. Still, by making informed decisions, you can get a fair insurance rate that perfectly suits your needs. Try our comparison tool today to get 30+ Kingston insurance quotes in under three minutes!

At MyChoice, we can help you compare rates to balance cost-effectiveness and quality in your auto insurance decisions. We are Canadian drivers ourselves who were frustrated by auto insurance costs in the area and overwhelmed with the options.

What’s the Average Price of Car Insurance in Kingston?

The price of car insurance in Kingston varies, but the 2019 average was about $950 a month. Car insurance rates in Kingston are generally several hundred dollars cheaper than many other Ontario cities because the traffic in the city is lighter than the traffic of neighbouring cities, and the population is less dense.

Another factor is that many residents of Kingston are students. Students are often insured under their families’ insurance, which means that they are classified as insured drivers at an address outside of the city. 

Minimum coverage for car insurance for Ontario drivers has several requirements, including benefits for if you are injured in an auto accident regardless of who is at fault, coverage if another car involved in an accident does not have auto insurance, and coverage for property damage. 

Driving in Kingston, What You Ought to Know

Kingston is split between an urban center and more rural outskirts. The 401, one of the major highways in the region, goes through the city’s downtown. 

The 401 also makes it easy to travel between the different areas of Kingston. However, the bus routes do not extend to all Kingston areas, making it essential for many households to have a car. On average, commuters in Kingston drive about 40 minutes round-trip daily.

Highway 15 begins where it meets Highway 401 in Kingston. This highway stretches up about 115 miles, where it meets Highway 7 in Carleton Place. 

Downtown Kingston is a lovely area with many shops and restaurants. There is plenty of parking in the area since many visitors choose to park and then stroll down Princess Street, the main shopping area–the strip of the street with the most to do between Division Street and Ontario street.  

The Cataraqui River splits the city, and you can drive across the river on Highway 2. Kingston also provides access to several islands in the Thousand Islands, but the archipelago is only accessible by boat. 

There is a free ferry to get to Wolfe Island that leaves from the waterfront in Kingston. 

Kingston is only about 250 km from Toronto and 300 km from Montreal. With little to no traffic, you could drive from Kingston to either city in about three hours. 

Keep in mind that no matter what road you’re on, due to the dangers of distracted driving, it is against the law in Ontario to have an electronic device in your hand while driving, whether you are using the device or not.

How to Find Cheap Car Insurance in Kingston

It is important to shop around to get the best car insurance in Kingston. Using MyChoice can make this process quick and easy. Just enter basic information about the drivers in your household and your car to personalize our quotes as effectively as possible. 

There are also several ways for any Ontario driver to reduce their insurance rate. If you bundle your different insurance policies, you can often get a substantial discount. In some cases, bundling insurance can get you a 10 to 15 percent discount.

Two other common ways to get discounts are becoming a member of the Canadian Automobile Association (CAA) and taking driver’s education courses. The Canadian Automobile Association is rated as one of the best nonprofits in Canada. In addition to lowering your rates, becoming a member also gets you emergency roadside assistance.

Compare Quotes for Kingston Car Insurance Today!

We created MyChoice so that Canadian drivers can get a fair rate for their auto insurance policies. By helping our customers compare their options, we help them make the most informed decision for cheap auto insurance.

When you use our comparison tool, we organize our quotes in a way that is personalized for your specific needs. Compare quotes for Kingston auto insurance with MyChoice today.  

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