Car Insurance in Kingston at a Glance
| Average annual premium: | $1,738 |
| YoY city rate change: | +8.6% |
| Average monthly premium: | $145 |
| Kingston premium vs. Ontario average: | -18.5% less expensive |
| Cheapest postal code: | K7N ($1,689) |
| Most expensive postal code: | K7K ($1,794) |
| Maximum savings with MyChoice: | $992 |
How Does Car Insurance Work in Kingston?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in Kingston when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Kingston referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $776 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $962 |
| Coverage Total: | $1,738 |
Quote data from MyChoice.ca, May 2026
*Starting July 1st, 2026, Ontario is splitting Accident Benefits into mandatory and optional components. Income replacement, caregiver benefits, and death benefits are no longer automatically included. Your policy will auto-renew with your current coverage, but if you’re buying a new policy after July 1, you’ll need to actively choose these add-ons.
Mandatory Coverages:
The coverages below are mandatory in Kingston and will always be included in a standard car insurance quote.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued | $243 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $520 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $13 |
| Coverage Total: | $776 |
Quote data from MyChoice.ca, May 2026
*The above coverages are mandatory in Kingston and will always be included in a standard car insurance quote.
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for Kingston may be removed from your quote. However, we strongly recommend keeping them to ensure adequate protection.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $427 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $260 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $188 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $21 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $23 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $17 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $25 |
| OPCF 43: Waiver of Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $1 |
| Coverage Total: | $962 |
Quote data from MyChoice.ca, May 2026
How Kingston Car Insurance Rates Compare to Nearby Cities
Kingston’s car insurance rates are moderate compared to nearby Eastern Ontario cities. Here’s how they compare:
| City | Average Annual Car Insurance Premium | Difference from Kingston Premium |
|---|---|---|
| Kingston, ON | $1,738 | – |
| Belleville, ON | $1,770 | +1.8% |
| Brockville, ON | $1,670 | -3.9% |
| Cornwall, ON | $1,528 | -12.1% |
| Peterborough, ON | $1,739 | +0.1% |
| Ottawa, ON | $1,680 | -3.3% |
Quote data from MyChoice.ca, May 2026
Cheapest Postal Codes to Insure a Car in Kingston
The K7N and K7L areas in Kingston have the lowest car insurance premium rates in the city:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| K7N | $1,689 |
| K7L | $1,695 |
Quote data from MyChoice.ca, May 2026
Most Expensive Postal Codes to Insure a Car in Kingston
The K7K and K7P areas in Kingston have the highest car insurance premium rates, detailed in the table below:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| K7K | $1,794 |
| K7P | $1,788 |
Quote data from MyChoice.ca, May 2026
Accident Rates by Postal Code in Kingston
Not all parts of Kingston have the same accident risk, and your postal code is one of the main factors insurers use to set your premium. The map below shows the percentage of drivers who have been in an accident across Kingston’s postal codes, based on over 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
On average, 12.1% of Kingston drivers have an accident on their record. But that varies by area — from as low as 9.1% in some areas to 13.8% in others.
Areas with the highest accident rates:
- K7P — Cataraqui: 13.8% of drivers have an accident on record
- K7L — Queen’s University Area: 13.7%
- K7K — Downtown Kingston: 13.7%
Areas with the lowest accident rates:
- K7N — Collins Bay / Amherstview: 9.1%
- K7M — Kingston West: 10.2%
Drivers in Cataraqui (K7P) are over 1.5x more likely to have an accident on their record than drivers in Collins Bay (K7N).
Car Insurance Cost in Kingston by Age
Most younger drivers in Kingston get higher insurance premiums because of a lack of driving experience. Taking driving lessons or applying for student discounts can help lower your rates.
On the other hand, while older drivers get lower insurance premiums, rates tend to rise after 65 because you are more likely to sustain serious injuries in an accident.
Below is a closer look at how age can affect your insurance premiums in Kingston:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18-20 | $4,988 | $992 |
| 21-24 | $2,572 | $511 |
| 25-34 | $1,982 | $394 |
| 35-44 | $1,738 | $346 |
| 45-54 | $1,477 | $294 |
| 55-64 | $1,373 | $273 |
| 65+ | $1,408 | $280 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Kingston by Driving History
Insurance companies base rates according to how risky a driver you are. If you have a poor driving history, an insurer will deem you a high-risk driver and charge you higher rates.
Take a closer look below at how incurring driving offences can impact your insurance premiums:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,738 |
| Insurance cancellation due to non-payment | $2,416 |
| Licence suspension for alcohol-related offences | $1,825 |
| One at-fault accident | $3,406 |
| Minor speeding ticket | $2,103 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Kingston by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Kingston. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda Civic | $1,874 |
| Toyota Corolla | $1,714 |
| Toyota RAV4 | $1,908 |
| Honda CR-V | $2,008 |
| Hyundai Elantra | $1,928 |
| Tesla Model 3/Y | $2,040 |
| Mazda CX-5 | $1,841 |
| Nissan Rogue | $1,680 |
| Honda Accord | $1,932 |
| Toyota Camry | $1,648 |
| Hyundai Kona | $1,647 |
| Mazda 3 | $1,402 |
| Volkswagen Jetta | $1,728 |
| Kia Sportage | $1,575 |
Quote data from MyChoice.ca, May 2026
The Best Car Insurance Brokerages in Kingston
Car insurance brokerages are mediators that can help you find the best possible insurance rates. If you’re not sure where to start, hiring an auto broker can provide insight into what makes a “good” rate.
You can work with the best brokerages in the country to help you find the rates you deserve. Below are just a few of the brokerages available in Kingston, Ontario:
| Brokerage | Address | Phone number |
|---|---|---|
| McDougall Insurance & Financial – Kingston | 321 Concession St Kingston, ON K7K 2B9, Canada | +16136501574 |
| Dorey & Tolgyesi Insurance Brokers Ltd | 541 Days Rd #4 Kingston, ON K7M 3R8, Canada | +16133899966 |
| Shaw Insurance | 2001 ON-15 Kingston, ON K7L 4V3, Canada | +16135426573 |
| All-Risks Insurance Brokers Limited | 722 Arlington Park Pl Kingston, ON K7M 8H9, Canada | +16133892442 |
Driving in Kingston
While Highway 401 runs through a portion of Kingston, it is a generally smaller city less prone to collisions and traffic. However, it’s still imperative to protect yourself with the right kind of auto insurance.
To give you a better idea of what kind of coverage you need, take a look at the following key facts about driving in Kingston:
- Major highways in Kingston: Ontario Highway 2
- Public transit options: Kingston Transit Megabus
- Ridesharing services: Uber
- Parking space providers: City of Kingston, private lots
- Top tourist attractions: Haunted Walk of Kingston, Fort Henry National Historic Site, Kingston Penitentiary, Thousand Islands, Frontenac Provincial ParkKingston
- Busy intersections: Cataraqui Street, Rideau Street, Sydenham Road, Unity Road, John Counter Boulevard, Sir John A. Macdonald Boulevard
- Airports: Norman Rogers Airport
Commuting Duration in Kingston
There’s an even split between Kingston commuters who spend under 15 minutes and those who spend 15 to 29 minutes on their commutes. Together, that makes around 36,000 people who spend under 30 minutes commuting in Kingston. Take a look at the table below to learn more about commuting durations in Kingston:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 43,130 | 100.0 |
| Less than 15 minutes | 18,470 | 42.8% |
| 15 to 29 minutes | 18,150 | 42.1% |
| 30 to 44 minutes | 4,220 | 9.8% |
| 45 to 59 minutes | 1,085 | 2.5% |
| 60 minutes and over | 1,205 | 2.8% |
Driving Conditions in Kingston
Kingston is a generally safe city for drivers but can be prone to adverse driving conditions because of weather changes. If you’re driving in Kingston for the first time, here is what you need to know about its driving conditions:
- Average daily commute time: 40 minutes round trip
- Average annual rainfall: 830 mm
- Average annual snowfall: ~150-170cm
- Rainy days per year: 120 days
- Rainiest month in Kingston: October
- Driest months in Kingston: December – April
- Snow days per year: 68 days
- Snowfall months in Kingston: November – April
Traffic in Kingston
Kingston is a midsized town with relatively safe driving conditions and minimal traffic. However, drivers from surrounding towns often pass through to cross the border, so expect conditions to change occasionally.
Below is a short overview of the traffic conditions in Kingston:
- Population: About 136,685 people currently live in Kingston, Ontario.
- City area: Kingston’s city limits span 450.4 km2
- Busiest highways: The busiest highways in Kingston are Highway 401 and 15.
- Average number of collisions: Kingston experiences roughly 1,700 collisions per year.
The Most Common Questions About Car Insurance in Kingston
Why should you compare car insurance rates in Kingston?
You should compare car insurance rates in Kingston because they are constantly changing. No two Ontario insurance providers have the same rates, so picking the right plan can save you hundreds of dollars in the long run.
What information do you need for an auto insurance quote in Kingston?
The information you need to provide for an auto insurance quote in Kingston includes your driver’s licence, driving record, and vehicle type. Depending on your insurance provider, you may need to provide additional information as requested.
Can I use my Kingston car insurance to drive in the United States?
Yes, you can use your Kingston car insurance to drive in the United States. However, most insurers recommend getting additional emergency coverage or bringing cash.