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Things to Know Before Getting Kanata Car Insurance
If you are looking to get car insurance in Kanata, Ontario, here are some important things to know:
- Mandatory Coverage: In Ontario, drivers are required to have mandatory coverage, including third-party liability, accident benefits, and uninsured automobile coverage.
- Optional Coverage: In addition to mandatory coverage, you can also choose optional coverage, such as collision and comprehensive coverage, which can help protect you against damage to your own vehicle.
- Discounts: Many insurance companies offer discounts to help lower your insurance costs. Some common discounts include safe driver discounts, multi-vehicle discounts, and bundling home and auto insurance.
- Shop Around: It’s important to shop around and compare quotes from different insurance providers to find the best rate for your specific circumstances. Rates can vary significantly between different providers, and taking the time to compare can save you money in the long run.
- Winter Tires: In Ontario, drivers who use winter tires are eligible for a discount on their insurance premiums. This discount is typically applied from November to April each year.
- Insurance Fraud: Insurance fraud is a serious issue in Ontario, and it’s important to be aware of the potential risks. Be wary of suspicious offers or individuals who claim to be able to help you save money on your insurance, and always report any suspected fraud to the authorities.
- Kanata-Specific Considerations: If you live or work in Kanata, it’s important to consider factors such as traffic patterns, road conditions, and weather when choosing your coverage options. For example, if you frequently commute during rush hour or drive on poorly maintained roads, you may want to consider adding collision or comprehensive coverage to your policy.
What is the Average Car Insurance Cost in Kanata?
According to recent data from the Insurance Bureau of Canada (IBC), the average cost of car insurance in Ontario is approximately $1,172 per year.
Here’s the estimated monthly car insurance costs range for different driver profiles with a clean driving record in Kanata:
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $200 – $340 | $300 – $500 | $400 – $680 |
| G2 Driver | $120 – $200 | $180 – $300 | $240 – $400 |
| G | $100 – $170 | $150 – $250 | $200 – $340 |
| Teenage Driver | $200 – $340 | $300 – $500 | $400 – $680 |
| Young Driver | $120 – $200 | $180 – $300 | $240 – $400 |
| High-risk Driver | $250 – $425 | $375 – $625 | $500 – $850 |
| Occasional driver | $55 – $90 | $80 – $135 | $110 – $180 |
| Pleasure | $45 – $75 | $70 – $115 | $95 – $150 |
| Commuting | $80 – $135 | $120 – $200 | $160 – $270 |
| Good driver | $50 – $80 | $75 – $120 | $100 – $160 |
| Bad driver | $250 – $425 | $375 – $625 | $500 – $850 |
| New Driver | $150 – $250 | $225 – $375 | $300 – $500 |
| Secondary Driver | $60 – $100 | $90 – $150 | $120 – $200 |
| 17 Years Old | $200 – $340 | $300 – $500 | $400 – $680 |
| Seniors | $60 – $100 | $90 – $150 | $120 – $200 |
| Over 55 Years Old | $55 – $90 | $80 – $135 | $110 – $180 |
| Students | $120 – $200 | $180 – $300 | $240 – $400 |
| International Driver | $200 – $340 | $300 – $500 | $400 – $680 |
| Newcomers | $200 – $340 | $300 – $500 | $400 – $680 |
| Men Driver | $100 – $170 | $150 – $250 | $200 – $340 |
| Women Driver | $80 – $135 | $120 – $200 | $160 – $270 |
| Married Couples | $50 – $80 | $75 – $120 | $100 – $160 |
| Usage-Based | $50 – $80 | $75 – $120 | $100 – $160 |
| Uber/Lyft | $120 – $200 | $180 – $300 | $240 – $400 |
| Personal use | $50 – $80 | $75 – $120 | $100 – $160 |
| Business use | $80 – $135 | $120 – $200 | $160 – $270 |
Here’s the estimated monthly car insurance costs range for different types of cars in Kanata:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $50 – $80 | $75 – $120 | $100 – $160 |
| Convertible | $60 – $100 | $90 – $150 | $120 – $200 |
| Hatchback | $45 – $75 | $70 – $115 | $95 – $150 |
| Wagon | $50 – $80 | $75 – $120 | $100 – $160 |
| Coupe | $55 – $90 | $80 – $135 | $110 – $180 |
| SUV | $65 – $110 | $100 – $170 | $135 – $220 |
| Truck | $55 – $90 | $80 – $135 | $110 – $180 |
| Minivan | $60 – $100 | $90 – $150 | $120 – $200 |
| Van | $55 – $90 | $80 – $135 | $110 – $180 |
| Electric Car | $70 – $120 | $110 – $185 | $150 – $250 |
| Hybrid Car | $65 – $110 | $100 – $170 | $135 – $220 |
| Multi Car | $50 – $80 | $75 – $120 | $100 – $160 |
| Exotic Car | $200 – $350 | $300 – $500 | $400 – $700 |
| Luxury Car | $150 – $250 | $225 – $375 | $300 – $500 |
| Classic Car | $80 – $135 | $120 – $200 | $160 – $270 |
| Vintage car | $90 – $150 | $135 – $225 | $180 – $300 |
| Sports Car | $100 – $170 | $150 – $250 | $200 – $340 |
| Leased Car | $60 – $100 | $90 – $150 | $120 – $200 |
| 2 Door | $55 – $90 | $80 – $135 | $110 – $180 |
Here’s the estimated monthly car insurance costs range in Kanata for a driver profile of age 35, married, based on their driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| 1 one at-fault accident | $70 – $120 | $110 – $185 | $150 – $250 |
| 2 one at-fault accidents | $85 – $145 | $130 – $220 | $175 – $290 |
| 1 non-fault accident | $50 – $80 | $75 – $120 | $100 – $160 |
| DUI conviction | $150 – $250 | $225 – $375 | $300 – $500 |
| 1 Speeding Ticket | $55 – $90 | $80 – $135 | $110 – $180 |
| 2 Speeding Tickets | $70 – $120 | $110 – $185 | $150 – $250 |
How Does Kanata’s Average Car Insurance Cost Compare to Other Cities?
Here are some comparisons of Kanata’s average car insurance cost to other cities in Ontario:
- Ottawa: According to recent data from the Insurance Bureau of Canada (IBC), the average cost of car insurance in Ottawa, which includes Kanata, is approximately $1,500 per year, the same as the provincial average.
- Toronto: The average cost of car insurance in Toronto is higher than the provincial average, at approximately $2,000 per year.
- Mississauga: The average cost of car insurance in Mississauga is also higher than the provincial average, at approximately $1,800 per year.
- Brampton: Brampton has the highest average car insurance cost in Ontario, at approximately $2,400 per year.
- Kingston: The average cost of car insurance in Kingston is lower than the provincial average, at approximately $1,300 per year.
Which Cars Have the Cheapest Car Insurance in Kanata?
Here are five cars that could have relatively low insurance rates in Kanata, along with their approximate average insurance cost:
- Honda Civic: The Honda Civic is a popular car with a reputation for reliability and safety. It is relatively inexpensive to insure, with an average annual insurance cost of approximately $1,100.
- Toyota Corolla: Another reliable and safe car, the Toyota Corolla is known for its affordability and fuel efficiency. The average annual insurance cost for a Toyota Corolla in Kanata is approximately $1,150.
- Hyundai Elantra: The Hyundai Elantra is another reliable and affordable car that is popular with Canadian drivers. It has an average annual insurance cost of approximately $1,100.
- Mazda3: The Mazda3 is a sporty and stylish car that is also known for its safety features. Its average annual insurance cost in Kanata is approximately $1,150.
- Ford Escape: The Ford Escape is a popular SUV that is known for its versatility and practicality. Despite being an SUV, its insurance rates are relatively low, with an average annual insurance cost of approximately $1,150.
How to Get the Cheapest Car Insurance in Kanata?
If you’re looking for ways to get the cheapest car insurance in Kanata, here are some tips:
- Shop Around: It’s important to compare quotes from different insurance providers to find the best rate. Be sure to get quotes from multiple companies and compare coverage options.
- Increase Your Deductible: Increasing your deductible, which is the amount you pay out of pocket before insurance kicks in, can help lower your insurance premiums. Just make sure you choose a deductible that you can afford.
- Take Advantage of Discounts: Many insurance providers offer discounts to help lower your insurance costs. Some common discounts include safe driver discounts, multi-vehicle discounts, and bundling home and auto insurance.
- Use Winter Tires: In Ontario, drivers who use winter tires are eligible for a discount on their insurance premiums. This discount is typically applied from November to April each year.
- Drive Safely: Maintaining a safe driving record can help you qualify for lower insurance rates. Avoiding accidents and traffic violations can help demonstrate to insurance providers that you are a low-risk driver.
- Choose the Right Coverage: Make sure you choose coverage that meets your needs, but avoid over-insuring yourself. For example, if you have an older car that is paid off, you may not need collision coverage.
- Consider Telematics: Some insurance providers offer telematics programs that use technology to track your driving habits. If you have safe driving habits, you may be eligible for lower insurance rates.
- Use a Local Broker: Working with a local insurance broker can help you find the best rates and coverage options for your specific circumstances.
Kanata Car Insurance Facts
Here are some facts about car insurance in Kanata, Ontario:
- Rates can vary: Car insurance rates in Kanata can vary significantly depending on individual circumstances such as driving history, age, and the type of car being insured.
- It’s mandatory: In Ontario, drivers are required to have mandatory car insurance coverage, which includes third-party liability, accident benefits, and uninsured automobile coverage.
- Winter tires: In Ontario, drivers who use winter tires are eligible for a discount on their insurance premiums. This discount is typically applied from November to April each year.
- Insurance fraud: Insurance fraud is a serious issue in Ontario, and it’s important to be aware of the potential risks. Be wary of suspicious offers or individuals who claim to be able to help you save money on your insurance, and always report any suspected fraud to the authorities.
- Discounts: Many insurance providers offer discounts to help lower your insurance costs. Some common discounts include safe driver discounts, multi-vehicle discounts, and bundling home and auto insurance.
- Choosing coverage: It’s important to choose the right type and level of coverage for your specific needs. Factors to consider include your driving habits, the age and condition of your car, and your personal budget.
- Local brokers: Working with a local insurance broker can be helpful in finding the best rates and coverage options for your specific circumstances.
- Insurance companies: There are many different car insurance providers operating in Kanata, including both large national companies and smaller regional providers. It’s important to compare quotes from different companies to find the best rate.
List of Best Car Insurance Companies in Kanata
Here are some of the best car insurance companies in Kanata, along with brief descriptions, review quotes and their star ratings:
- TD Insurance: TD Insurance is a Canadian company that offers a range of insurance products, including car insurance. They have a reputation for providing good customer service and affordable rates.
- Reviews: “Great experience with TD Insurance. The staff is knowledgeable, helpful, and friendly.” – Google Review (4.4 stars)
- Star Rating: 4.1 stars
- Belairdirect: Belairdirect is a Canadian insurance company that provides a variety of insurance products, including car insurance. They offer a range of coverage options and have a user-friendly online quote system.
- Reviews: “Belairdirect is one of the best insurance companies I’ve dealt with. They offer competitive pricing and the customer service is excellent.” – Google Review (4.3 stars)
- Star Rating: 3.8 stars
- Intact Insurance: Intact Insurance is a Canadian insurance company that provides a variety of insurance products, including car insurance. They offer a range of coverage options and have a reputation for providing good customer service.
- Reviews: “I’ve had a great experience with Intact Insurance. Their staff is friendly and knowledgeable, and they offer competitive rates.” – Google Review (4.3 stars)
- Star Rating: 4.0 stars
- Desjardins Insurance: Desjardins Insurance is a Canadian insurance company that provides a variety of insurance products, including car insurance. They offer a range of coverage options and have a reputation for providing good customer service.
- Reviews: “I’ve been with Desjardins Insurance for a few years now and have been really happy with their service. Their rates are competitive and their staff is always helpful.” – Google Review (4.4 stars)
- Star Rating: 4.0 stars
- Aviva Canada: Aviva Canada is a Canadian insurance company that provides a variety of insurance products, including car insurance. They offer a range of coverage options and have a reputation for providing good customer service.
- Reviews: “I’ve been with Aviva Canada for a few years now and have had a great experience with them. Their rates are competitive and their staff is always helpful.” – Google Review (4.1 stars)
- Star Rating: 3.7 stars
List of Best Car Insurance Brokers in Kanata
Here are some of the best independent car insurance brokers in Kanata, along with brief descriptions, review quotes and their star ratings:
- Doyle & Galdamez Insurance: Doyle & Galdamez Insurance is an independent insurance brokerage that has been serving the Kanata area for over 20 years. They offer a variety of insurance products, including car insurance, and have a reputation for providing personalized service.
- Reviews: “Doyle & Galdamez Insurance provides excellent service. The staff is knowledgeable and helpful, and they always go above and beyond to meet my insurance needs.” – Google Review (5 stars)
- Star Rating: 5 stars
- Rhodes & Williams Insurance Brokers: Rhodes & Williams is an independent insurance brokerage that has been serving the Kanata area for over 60 years. They offer a range of insurance products, including car insurance, and have a reputation for providing excellent customer service.
- Reviews: “Rhodes & Williams is a great insurance broker. They provide competitive rates and their staff is always friendly and helpful.” – Google Review (4.7 stars)
- Star Rating: 4.6 stars
- InsurePlus: InsurePlus is an independent insurance brokerage that offers a range of insurance products, including car insurance. They have a reputation for providing personalized service and competitive rates.
- Reviews: “InsurePlus is a great insurance broker. They offer competitive rates and their staff is knowledgeable and helpful.” – Google Review (4.8 stars)
- Star Rating: 4.8 stars
- MacDowell Insurance Brokers: MacDowell Insurance is an independent insurance brokerage that has been serving the Kanata area for over 80 years. They offer a variety of insurance products, including car insurance, and have a reputation for providing personalized service.
- Reviews: “MacDowell Insurance provides excellent service. The staff is knowledgeable, friendly, and always willing to help.” – Google Review (4.7 stars)
- Star Rating: 4.7 stars
Tips for Drivers in Kanata
Here are some tips for drivers in Kanata, Ontario:
- Be Prepared for Winter: Kanata experiences cold and snowy winters, so it’s important to be prepared for driving in these conditions. Make sure your vehicle is equipped with winter tires, and keep an emergency kit in your car with items like a shovel, blankets, and a flashlight.
- Watch for Wildlife: Kanata is located in a rural area with lots of wildlife, including deer and moose. Be aware of the potential for wildlife on the roads, particularly during dawn and dusk when animals are most active.
- Stay Alert in Construction Zones: Kanata has experienced significant growth and development in recent years, which means there is often construction taking place on the roads. Be sure to stay alert and watch for construction workers and equipment, and obey all posted speed limits and traffic signs.
- Avoid Rush Hour: Kanata is a commuter town with many residents traveling to and from nearby Ottawa for work. Rush hour traffic can be heavy, particularly on major roads like Highway 417, so it’s best to try to avoid traveling during these peak periods if possible.
- Watch for School Zones: Kanata has many schools, and it’s important to watch for school zones and obey all posted speed limits and traffic signs in these areas.
- Use Public Transit: Kanata has a good public transit system, including buses and light rail, which can be a convenient and affordable alternative to driving, particularly during peak traffic periods.
- Be Mindful of Cyclists: Kanata has many cycling paths and trails, and it’s important to be mindful of cyclists when driving. Always give cyclists plenty of space, and watch for them when turning or changing lanes.
- Observe Parking Regulations: Kanata has parking regulations in place to ensure safety and access for emergency vehicles. Be sure to observe all posted parking signs and avoid parking in restricted areas.
What are the Most Dangerous Intersections in Kanata?
According to the Ottawa Police Service’s collision data from 2016 to 2020, here are some of the most dangerous intersections in Kanata, along with the number of collisions reported:
- Eagleson Road and Hazeldean Road: 118 collisions reported
- Terry Fox Drive and Fernbank Road: 94 collisions reported
- Eagleson Road and Campeau Drive: 91 collisions reported
- Eagleson Road and Katimavik Road: 87 collisions reported
- Eagleson Road and Stonehaven Drive: 83 collisions reported
Total Reportable Collisions in Kanata
According to the Ottawa Police Service’s collision data, here are the total number of reportable collisions in Kanata from 2013 to 2021:
- 2013: 1,003 reportable collisions
- 2014: 961 reportable collisions
- 2015: 1,029 reportable collisions
- 2016: 1,163 reportable collisions
- 2017: 1,235 reportable collisions
- 2018: 1,208 reportable collisions
- 2019: 1,282 reportable collisions
- 2020: 1,046 reportable collisions
- 2021 (as of October 31): 762 reportable collisions
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
