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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderCity
$111.71Jul 16, 2025, 02:28 PMAuto62FemaleSudbury
$60.44Jul 16, 2025, 06:44 PMHome57FemaleSault Ste. Marie
$29.06Jul 16, 2025, 09:54 AMTenant41FemaleBelleville
$39.93Jul 16, 2025, 07:45 PMLife44MaleNiagara Falls
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Updated on July 2, 2025

6 minute read

Quick Facts About Auto Insurance in Kitchener

  • Kitchener car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Kitchener for a driver with comprehensive/collision coverage and a clean driving record is around $1,748.
  • Comparing Kitchener auto insurance quotes with MyChoice can save you up to $998 annually.

How Does Car Insurance Work in Kitchener?

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 Kitchener 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 Kitchener referenced above.

Coverage TypeWhat’s IncludedAverage Annual
Car Insurance Premium
Mandatory– Third-Party Liability
– Accident Benefits
– Uninsured Automobile
$780
Highly
Recommended
– Direct Compensation:
Property Damage
– Collision
– Comprehensive
– OPCF 20
– OPCF 27
– OPCF 44R
– OPCF 39
– OPCF 43
$968
Coverage Total:$1,748

Mandatory Coverages

Coverage TypeCoverage DetailsAverage Annual
Car Insurance Premium
Third-Party LiabilityProtects you if you injure someone
or damage property while driving,
and covers legal costs if you’re sued
$244
Accident BenefitsCovers medical costs, income
replacement, and more for you and
others injured in an accident,
regardless of fault
$522
Uninsured AutomobileProtects you if you’re hit by an
uninsured or an unidentified driver
and suffer injuries or vehicle damage
$14
Coverage Total:$780

*The above coverages are mandatory in Kitchener and will always be included in a standard car insurance quote.

Highly Recommended Coverages

Coverage TypeCoverage DetailsAverage 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.
$429
CollisionCovers your vehicle if you hit another
car or object and you’re found at fault.
$262
ComprehensiveCovers 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.
$22
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 Depreciacion
Ensures you get the full purchase price
back—not a depreciated value—if your
new vehicle is written off.
$2
Coverage Total:$968

*Any of the above highly recommended coverages in Kitchener may be removed from your quote, but we strongly recommend keeping them to have adequate protection.

Most Expensive Postal Codes in Kitchener

The annual average auto insurance premium for Kitchener, Ontario is $1,748. Kitchener’s three most expensive postal codes can be seen in the table below:

Postal CodeAverage Annual
Car Insurance Premium
N2B, N2H, N2N$1,773

Least Expensive Postal Codes in Kitchener

Other than the three most expensive postal codes, the rest of Kitchener’s postal codes have an average insurance rate of $1,625.

Postal CodeAverage Annual
Car Insurance Premium
N2A, N2C, N2E,
N2G, N2M, N2P, N2R
$1,724

How Kitchener Car Insurance Rates Compare to Nearby Cities

Kitchener’s car insurance rates are some of the highest in the region. You can see how they compare to some of the neighbouring cities in the table below.

CityAverage Annual
Car Insurance Premium
Kitchener, ON$1,748
Waterloo, ON$1,737
Cambridge, ON$1,894
Guelph, ON$1,729
Hamilton, ON$1,735
London, ON$1,987

Car Insurance Cost in Kitchener by Age

Depending on your age, your insurance premiums can be higher or lower. Students and younger drivers are considered higher-risk drivers due to their inexperience, so they can expect to pay higher insurance rates. 

When drivers reach the age of 25, insurance premiums start to go down. Premiums start to rise again upon reaching the age of 65 due to senior citizens having an increased accident risk.

Here’s a look at car insurance costs in Kitchener, categorized by age:

AgeAverage Annual
Car Insurance Premium
Average Savings
with MyChoice
18-20$5,017$998
21-24$2,587$515
25-34$1,993$396
35-44$1,748$348
45-54$1,486$296
55-64$1,381$275
65+$1,416$282

Car Insurance Cost in Kitchener by Driving History

Having a clean driving record is important if you want to keep your Kitchener auto insurance premiums low. Insurance providers use your driving history to see if you’re a high-risk driver. If you have a clean driving history, you’ll qualify for lower auto insurance rates than drivers with multiple violations and accidents on their records.

Driving violations such as speeding tickets and DUIs can stay on your record for two years in Ontario. However, providers will still use them to calculate your insurance premiums for longer than that.

Here’s a look at how traffic violations can influence your insurance rates based on MyChoice’s price quote data:

Driving ViolationAverage Annual
Car Insurance Premium
Clean driving record$1,748
Insurance cancellation
due to non-payment
$2,430
Licence suspension for
alcohol-related offences
$1,835
One at-fault accident$3,426
Minor speeding ticket$2,115

Car Insurance Cost in Kitchener by Vehicle Model

Below is a breakdown of the estimated insurance costs for various car models in Kitchener. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.

Car ModelAverage Annual
Car Insurance Premium
Subaru$1,517
Kia$1,599
Honda$1,604
Toyota$1,840
Tesla$1,717
Hyundai$1,763
Audi$2,173
BMW$2,035
Mazda$1,630
Mercedes$1,732
Volkswagen$1,608

The Best Car Insurance Brokerages in Kitchener

Insurance brokers have a deep knowledge of the auto insurance scene in Kitchener. They can make your life easier by comparing policies and deals from different companies so you don’t have to. Plus, if you have any questions about auto insurance, brokers are more than ready to help you out.

You can partner with  insurance brokers to ensure you get the policy you need at the price you want. Here are some of the best car insurance brokerages in Kitchener:

BrokerageAddressPhone Number
Regal Insurance Brokers428 Gage Ave #2, Kitchener
ON N2M 5C9, Canada
+15195787170
BrokerLink230 The Boardwalk Mall Ln #1, Kitchener
ON N2N 0B1, Canada
+15195765242
KW Insurance Brokers501 Krug St Unit 112, Kitchener
ON N2B 1L3, Canada
+15197444190
All-Risks Insurance Brokers Limited229 Frederick St, Kitchener
ON N2H 2M7, Canada
+15192080220

Driving in Kitchener

Kitchener shares its metropolitan area with its twin city, Waterloo, forming the Kitchener-Waterloo area. Here are some key facts about driving in Kitchener you should know:

  • Major highways in Kitchener: 8, 401
  • Public transit options: Grand River Transit (bus and trains), GO Transit (bus and trains)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Kitchener, private parking lots
  • Top tourist attractions: Victoria Park, Doon Heritage Village, Huron Natural Area, Schneider Haus National Historic Site, St. Mary Our Lady of the Seven Sorrows Church
  • Busy intersections: Homer Watson Boulevard and Block Line Road, Homer Watson Boulevard and Manitou Drive, Homer Watson Boulevard and Doon Village Road
  • Airports: Region of Waterloo International Airport

Main Mode of Commuting in Kitchener

As with many other cities, a large portion of Kitchener’s commuters take a car, truck, or van to work. The lion’s share of car commuters are drivers, with a much smaller percentage of passengers. Here’s a closer look at the main modes of commuting in Kitchener:

Main mode of commutingCountsRates
Total – 25% Sample Size89,925100.0
Car, truck or van79,58588.5%
Car, truck or van
– as a driver
72,32080.4%
Car, truck or van
– as a passenger
7,2658.1%
Public transit5,0905.7%
Walked2,8903.2%
Bicycle4550.6%
Other method1,8152.0%

Commuting Duration in Kitchener

Nearly half of Kitchener’s commuters take around 15 to 29 minutes to get to work. A quarter of them take less than 15 minutes. That means most of Kitchener’s commuters spend under half an hour on their commute. Learn more about commuting durations in Kitchener in this table:

Commuting durationCountsRates
Total – 25% Sample Size89,925100.0
Less than 15 minutes26,84529.9%
15 to 29 minutes40,38544.9%
30 to 44 minutes12,43513.8%
45 to 59 minutes4,3604.8%
60 minutes and over5,8956.6%

Driving Conditions in Kitchener

Depending on the driving condition in Kitchener, your insurance premiums can go up or down. Here’s a quick look at the driving conditions in Kitchener:

  • Average daily commute time: 44 minutes round trip
  • Average annual rainfall: 776.8 mm
  • Average annual snowfall: 159.7 cm
  • Rainy days per year: 119
  • Rainiest month in Kitchener: January
  • Driest month in Kitchener: September
  • Snow days per year: 62
  • Snowfall months in Kitchener: October to April

Traffic in Kitchener

The city of Kitchener has around 256,885 residents as of the 2021 census, but the Regional Municipality of Waterloo is home to 575,847 citizens. With such a small number of citizens (and, therefore, cars), Kitchener ranks second in a survey on the best Canadian cities for driving.

Here’s a quick look at what driving in Kitchener is like:

  • Population: Kitchener has 256,885 residents within its city limits. 
  • City area: Kitchener’s urban area spans 136.86 km2.
  • Average commute distance: Most Kitchenerites travel 13.7 km to their workplace or school.
  • Time spent in traffic annually: Most Kitchenerites spend 44 minutes every day in traffic, totalling almost 268 hours every year.
  • Busiest highways: Highway 401, Highway 7

The Most Common Questions About Car Insurance in Kitchener

Can you have two car insurance policies in Kitchener?

Yes, you can have two car insurance policies in Kitchener, but you don’t actually need multiple policies. If you take out multiple policies, you’ll end up paying more premiums for the same coverage. To keep your insurance costs low, take out a single policy that covers only what you need to cover.

What is the cost of car insurance in Kitchener?

The cost of car insurance in Kitchener averages out to $1,748 annually. You can get higher or lower insurance rates depending on your age, driving history, car make and model, and how frequently you drive your car.

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

Kitchener car insurance quotes are fairly average compared to other cities in Ontario. The average car insurance rate in Kitchener sits solidly in the middle, with half of other Ontario cities having more expensive rates, while the other half of Ontario cities have cheaper rates.

Is auto insurance the same in Kitchener and Waterloo?

Yes, auto insurance is the same in Kitchener and Waterloo because they both fall in the Regional Municipality of Waterloo.

How can you get cheaper car insurance in Kitchener?

Compare car insurance rates in Kitchener with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

1. Mychoice.ca Internal Data, How Car Insurance Works, Ontario, Kitchener, Car Insurance Quotes Collected, 2025.

2. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Kitchener, Car Insurance Quotes Collected, 2025.

3. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Kitchener, Car Insurance Quotes Collected, 2025.

4. Mychoice.ca Internal Data, Car Insurance Rates in Nearby Cities, Ontario, Kitchener, Car Insurance Quotes Collected, 2025.

5. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Kitchener, Car Insurance Quotes Collected, 2025.

6. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Kitchener, Car Insurance Quotes Collected, 2025.

7. Mychoice.ca Internal Data, Rate Cost By Vehicle Model, Ontario, Kitchener, Car Insurance Quotes Collected, 2025.

8. City of Kitchener Website, Driving & Transit Information. Data Collected in 2025.

9. Statistics Canada, 2021, Census of Population, Ontario, Kitchener, Main Mode of Commuting. Data Collected in 2025.

10. Statistics Canada, 2021, Census of Population, Ontario, Kitchener, Commuting Duration. Data Collected in 2025.

11. Weather Network Canada, Historical Averages, Ontario, Kitchener. Data Collected in 2025.

12. 511 Ontario Traveller Information, Ontario, Kitchener. Data Collected in 2025.

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