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Kingston is a city located in Eastern Ontario, Canada. It is known for its rich history, vibrant culture, and stunning waterfront area along Lake Ontario. Kingston is home to a number of universities, including Queen’s University, as well as a thriving tourism industry. The city has a population of approximately 136,000 people and is located about 250 kilometers east of Toronto.

Is car insurance cheaper in Kingston versus Toronto?

Car insurance rates in Kingston are typically lower than in Toronto. This is due to a number of factors, including the size of the city, the number of drivers on the road, and the risk of accidents and theft. In general, urban areas like Toronto tend to have higher car insurance rates due to the higher risk of accidents, theft, and vandalism.

Here’s an example of car insurance rates in Kingston versus Toronto for a fictional driver:

Driver Profile:

  • 35-year-old male
  • Married
  • Clean driving record
  • Owns a 2018 Honda Civic
  • Commutes to work

Coverage:

  • $1 million liability
  • Collision and comprehensive coverage with a $500 deductible
  • No additional coverage (e.g. roadside assistance)

Here are the estimated annual car insurance rates for this driver in Kingston and Toronto, based on data from a popular insurance comparison website:

Kingston:

  • Lowest rate: $1,250 per year
  • Highest rate: $2,000 per year
  • Average rate: $1,600 per year

Toronto:

  • Lowest rate: $1,500 per year
  • Highest rate: $2,800 per year
  • Average rate: $2,000 per year

Calculating and comparing Kingston car insurance quotes

renting car

To calculate and compare Kingston car insurance quotes, you can follow these steps:

  1. Determine the coverage level you need: Before you start looking for car insurance quotes, you need to determine the coverage level you need. This will depend on factors such as the value of your car, your driving record, and the amount of risk you’re willing to take on. Some common coverage options include liability, collision, comprehensive, and uninsured motorist coverage.
  2. Gather your information: To get accurate car insurance quotes, you’ll need to gather information such as your age, driving record, and the make and model of your car. You may also need to provide information such as your address, occupation, and credit score.
  3. Shop around: Once you have the information you need, you can start shopping around for car insurance quotes. You can do this by visiting the websites of insurance companies or by using a comparison website to get quotes from multiple providers.
  4. Compare quotes: Once you have several quotes, you can compare them to find the best coverage at the best price. Be sure to look at the coverage limits and deductibles, as well as any additional features or discounts that may be offered.
  5. Choose a policy: Once you’ve found the right coverage at the right price, you can choose a policy and sign up for car insurance.

What’s the average cost of car insurance in Kingston per month and per year?

Based on recent data from a popular insurance comparison website, the average cost of car insurance for this driver in Kingston is approximately $133 per month or $1,600 per year.

Here’s an example of average car insurance costs in Kingston per year and per month for different driver profiles and types of cars:

Driver Profile:

  • 35-year-old male
  • Married
  • Clean driving record
  • Owns a 2018 Honda Civic
  • Commutes to work

Coverage:

  • $1 million liability
  • Collision and comprehensive coverage with a $500 deductible
  • No additional coverage (e.g. roadside assistance)
Driver ProfileType of CarAverage Cost Per YearAverage Cost Per Month
Experienced DriverSedan$1,400 – $1,800$117 – $150
New DriverSUV$2,400 – $3,000$200 – $250
High-risk DriverSports Car$4,800 – $5,400$400 – $450
Mature DriverMinivan$1,200 – $1,500$100 – $125
Young DriverPickup Truck$3,000 – $3,600$250 – $300

Average car insurance costs in Kingston for different driver profiles

buying car

Here’s an example of average car insurance costs in Kingston per year and per month for different driver profiles:

Driver Profile:

  • 35-year-old male
  • Married
  • Clean driving record
  • Owns a 2018 Honda Civic
  • Commutes to work

Coverage:

  • $1 million liability
  • Collision and comprehensive coverage with a $500 deductible
  • No additional coverage (e.g. roadside assistance)
Driver ProfileAverage Cost Per YearAverage Cost Per Month
New Driver$2,400 – $3,000$200 – $250
Secondary Driver$1,200 – $1,800$100 – $150
G1 Driver$3,600 – $4,200$300 – $350
G2 Driver$2,400 – $3,000$200 – $250
Full G Driver$1,400 – $1,800$117 – $150
Teenage Driver$4,800 – $5,400$400 – $450
Young Driver$2,400 – $3,000$200 – $250
High-risk Driver$4,800 – $5,400$400 – $450
17 Years Old$4,800 – $5,400$400 – $450
Seniors$1,200 – $1,500$100 – $125
Over 55 Years Old$1,200 – $1,500$100 – $125
Students$2,400 – $3,000$200 – $250
International Driver$2,400 – $3,000$200 – $250
Newcomers$2,400 – $3,000$200 – $250
Men Driver$1,400 – $1,800$117 – $150
Women Driver$1,200 – $1,500$100 – $125
Married Couples$1,200 – $1,800$100 – $150
Usage-BasedVariesVaries
UberVariesVaries

Average car insurance costs in Kingston for different types of cars

luxury sports car lamborghini

Here’s an example of average car insurance costs in Kingston per year and per month for different types of cars:

Driver Profile:

  • 35-year-old male
  • Married
  • Clean driving record
  • Commutes to work

Coverage:

  • $1 million liability
  • Collision and comprehensive coverage with a $500 deductible
  • No additional coverage (e.g. roadside assistance)
Type of CarAverage Cost Per YearAverage Cost Per Month
Sedan$1,200 – $1,500$100 – $125
Convertible$2,400 – $3,000$200 – $250
Hatchback$1,200 – $1,500$100 – $125
Wagon$1,400 – $1,800$117 – $150
Coupe$1,800 – $2,400$150 – $200
SUV$1,800 – $2,400$150 – $200
Truck$2,400 – $3,000$200 – $250
Minivans$1,400 – $1,800$117 – $150
Van$1,800 – $2,400$150 – $200
Electric Car$1,800 – $2,400$150 – $200
Hybrid Car$1,400 – $1,800$117 – $150
Multi CarVariesVaries
Exotic Car$4,800 – $5,400$400 – $450
Sports Car$4,800 – $5,400$400 – $450
Leased carsVariesVaries
2 Door$1,800 – $2,400$150 – $200

Average car insurance costs in Kingston based on different driving histories

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Here’s an example of average car insurance costs in Kingston per year and per month based on different driving histories:

Driver Profile:

  • 35-year-old male
  • Married
  • Owns a 2018 Honda Civic
  • Commutes to work

Coverage:

  • $1 million liability
  • Collision and comprehensive coverage with a $500 deductible
  • No additional coverage (e.g. roadside assistance)
Driving HistoryAverage Cost Per YearAverage Cost Per Month
Clean Driving Record$1,200 – $1,500$100 – $125
1 One At-Fault Accident$1,800 – $2,400$150 – $200
1 Non-Fault Accident$1,400 – $1,800$117 – $150
DUI Conviction$4,800 – $5,400$400 – $450
1 Speeding Ticket$1,800 – $2,400$150 – $200

Which companies and brokers offer car insurance quotes in Kingston?

woman driver

Here are 20 companies and brokers that offer car insurance quotes in Kingston:

  1. Allstate Insurance
  2. Aviva Insurance
  3. Belairdirect
  4. BrokerLink
  5. Bunnell Hitchon Insurance Brokers Inc.
  6. CAA Insurance
  7. CIBC Insurance
  8. Co-operators Insurance
  9. Desjardins Insurance
  10. DirectProtect Insurance
  11. Economical Insurance
  12. Intact Insurance
  13. Johnson Insurance
  14. KTX Insurance Brokers
  15. Mitchell & Whale Insurance Brokers
  16. PC Insurance
  17. RBC Insurance
  18. Sonnet Insurance
  19. State Farm Insurance
  20. TD Insurance

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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