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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 My Choice, we make comparing auto insurance quotes quick and easy.

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 My Choice, 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 My Choice 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 My Choice 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 My Choice today.  

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