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
To calculate and compare Kingston car insurance quotes, you can follow these steps:
- 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.
- 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.
- 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.
- 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.
- 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 Profile | Type of Car | Average Cost Per Year | Average Cost Per Month |
|---|---|---|---|
| Experienced Driver | Sedan | $1,400 – $1,800 | $117 – $150 |
| New Driver | SUV | $2,400 – $3,000 | $200 – $250 |
| High-risk Driver | Sports Car | $4,800 – $5,400 | $400 – $450 |
| Mature Driver | Minivan | $1,200 – $1,500 | $100 – $125 |
| Young Driver | Pickup Truck | $3,000 – $3,600 | $250 – $300 |
Average car insurance costs in Kingston for different driver profiles
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 Profile | Average Cost Per Year | Average 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-Based | Varies | Varies |
| Uber | Varies | Varies |
Average car insurance costs in Kingston for different types of cars
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 Car | Average Cost Per Year | Average 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 Car | Varies | Varies |
| Exotic Car | $4,800 – $5,400 | $400 – $450 |
| Sports Car | $4,800 – $5,400 | $400 – $450 |
| Leased cars | Varies | Varies |
| 2 Door | $1,800 – $2,400 | $150 – $200 |
Average car insurance costs in Kingston based on different driving histories
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 History | Average Cost Per Year | Average 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?
Here are 20 companies and brokers that offer car insurance quotes in Kingston:
- Allstate Insurance
- Aviva Insurance
- Belairdirect
- BrokerLink
- Bunnell Hitchon Insurance Brokers Inc.
- CAA Insurance
- CIBC Insurance
- Co-operators Insurance
- Desjardins Insurance
- DirectProtect Insurance
- Economical Insurance
- Intact Insurance
- Johnson Insurance
- KTX Insurance Brokers
- Mitchell & Whale Insurance Brokers
- PC Insurance
- RBC Insurance
- Sonnet Insurance
- State Farm Insurance
- TD Insurance
About the Author: Robert Davis
