Things to Know Before Calculating Kingston Car Insurance

If you are planning to get car insurance in Kingston, Ontario, Canada, here are some important things to keep in mind:

1. Minimum coverage requirements: In Ontario, every driver must have a minimum of $200,000 in third-party liability insurance, which covers damages and injuries you may cause to others in an accident.
2. Optional coverages: In addition to the mandatory coverage, you can also choose to purchase optional coverage, such as collision, comprehensive, and accident benefits coverage, to protect yourself and your vehicle in case of an accident or other types of losses.
3. Your driving record: Your driving record is an important factor that insurers consider when determining your premium. If you have a history of accidents or traffic violations, you may have to pay more for insurance.
4. Type of vehicle: The type of vehicle you drive also affects your insurance premium. Insurers consider factors such as the make and model of your car, as well as its safety rating and likelihood of theft.
5. Your location: Where you live in Kingston can also affect your insurance rates. If you live in an area with a high rate of accidents or thefts, you may have to pay more for insurance.
6. Discounts: There may be discounts available to you based on various factors, such as your age, driving history, or the type of vehicle you drive. Be sure to ask your insurance provider about any available discounts to help reduce your premiums.
7. Insurance providers: It’s important to shop around and compare rates from different insurance providers to find the best coverage for your needs and budget. Some providers may offer better rates or coverage options than others, so be sure to do your research.

What is the Average Car Insurance Rate in Kingston

The average cost of car insurance in Kingston is $1,698.

Average car insurance costs in Windsor, the monthly costs for different driver profiles for liability only, liability + collision, and full coverage may range as follows:

Note that the actual cost of car insurance may vary depending on factors such as the driver’s age, driving record, type of vehicle, coverage options, and insurer. The ranges provided above are estimates based on the assumption of a 10% decrease in cost. It’s important for drivers to compare quotes from multiple insurers to find the best coverage and rates for their individual needs.

Average car insurance costs in Windsor, the monthly costs for different types of cars for a driver profile of age 35, married, with a clean driving record may range as follows:

Average car insurance costs in Windsor, the monthly costs for a driver profile of age 35, married, based on their driving history may range as follows:

How Does Kingston’s Average Car Insurance Cost Compare to Other Cities in Ontario?

Here’s a list of average car insurance rates in selected cities in Ontario:

1. Toronto – $2,186
2. Mississauga – $1,921
3. Brampton – $1,876
4. Markham – $1,798
5. Vaughan – $1,795
6. Hamilton – $1,766
7. Oakville – $1,781
8. Kitchener – $1,698
9. London – $1,632
10. Guelph – $1,574

Which Car Has the Cheapest Car Insurance in Kingston?

Generally, cars that are less expensive, have a lower likelihood of theft, and have good safety ratings tend to be cheaper to insure.

How to Get the Cheapest Car Insurance in Kingston?

If you are looking to get the cheapest car insurance in Kingston, Ontario, Canada, here are some tips to consider:

1. Shop around: The best way to find the cheapest car insurance in Kingston is to compare rates from multiple insurance providers. You can do this online or by contacting insurance companies directly.
2. Consider increasing your deductible: A higher deductible can lower your premium, but it also means you’ll pay more out of pocket if you have an accident. Consider what you can afford to pay and increase your deductible accordingly.
3. Review your coverage: Consider the amount of coverage you need and whether you can reduce your coverage to save money. For example, if you have an older vehicle, you may not need comprehensive or collision coverage.
4. Look for discounts: Insurance companies often offer discounts based on factors such as your driving record, age, and type of vehicle. Be sure to ask about any available discounts to help lower your premium.
5. Maintain a good driving record: Your driving record is a key factor in determining your insurance rates. Try to maintain a good driving record by following traffic laws, avoiding accidents, and minimizing traffic violations.
6. Choose a safe and reliable vehicle: The type of vehicle you drive can affect your insurance rates. Choose a vehicle with good safety ratings and a lower likelihood of theft to help lower your premium.
7. Consider bundling your insurance: If you have other insurance needs, such as home or life insurance, consider bundling your policies with the same insurance provider. This can often result in lower premiums.

Kingston Car Insurance Facts

Here are some car insurance facts related to Kingston, Ontario, Canada:

1. Kingston’s car insurance rates are generally lower than the provincial average for Ontario. According to data from the Insurance Bureau of Canada, the average annual car insurance premium in Kingston was $1,505 in 2020, compared to the provincial average of $1,634.
2. The cost of car insurance in Kingston can vary widely depending on many factors, including the driver’s age, driving record, type of vehicle, and amount of coverage. It’s important to shop around and compare rates from multiple insurance providers to find the best coverage and price for your needs.
3. Kingston has a population of over 136,000 people, and the city has a high rate of traffic congestion, particularly during rush hour. This can lead to an increased risk of accidents and higher insurance premiums.
4. In Ontario, all drivers are required to have a minimum of $200,000 in third-party liability insurance. This coverage protects you if you are at fault in an accident and covers damages and injuries you may cause to others.
5. Drivers in Kingston can also choose to purchase additional coverage options, such as collision, comprehensive, and accident benefits coverage, to protect themselves and their vehicles in case of an accident or other types of losses.
6. Car insurance providers in Kingston offer a variety of discounts to help drivers save money on their premiums. These discounts may be based on factors such as age, driving record, and type of vehicle.
7. In Kingston, drivers can also take advantage of public transportation, including buses and a train service, to reduce traffic congestion and save money on gas and parking fees.

List of Best Car Insurance Companies in Kingston

Here are some of the best car insurance companies in Kingston, Ontario, Canada, along with brief descriptions and reviews from various sources on the internet:

1. Belairdirect – Belairdirect is a well-known car insurance provider in Kingston and across Canada. They offer a range of customizable insurance products, including car insurance, with discounts available for good driving, multiple vehicles, and more. Belairdirect has generally positive customer reviews on sites like Google and the Better Business Bureau (BBB).
2. Desjardins Insurance – Desjardins is a trusted insurance provider in Kingston and across Canada. They offer a wide range of insurance products, including car insurance, with customizable coverage options and discounts for good driving and other factors. Desjardins has generally positive customer reviews on sites like Google and the BBB.
3. State Farm – State Farm is a well-known insurance provider in Canada and the United States. They offer a range of insurance products, including car insurance, with customizable coverage options and discounts for good driving and other factors. State Farm has generally positive customer reviews on sites like Google and the BBB.
4. TD Insurance – TD Insurance is a trusted provider of car insurance in Kingston and across Canada. They offer a range of customizable insurance products, including car insurance, with discounts available for good driving and other factors. TD Insurance has generally positive customer reviews on sites like Google and the BBB.
5. Intact Insurance – Intact Insurance is a well-known provider of car insurance in Kingston and across Canada. They offer customizable coverage options, discounts for good driving and other factors, and a 24/7 claims service. Intact Insurance has generally positive customer reviews on sites like Google and the BBB.
6. Allstate Insurance – Allstate is a trusted provider of car insurance in Kingston and across Canada. They offer customizable coverage options, discounts for good driving and other factors, and a mobile app for managing policies and claims. Allstate has generally positive customer reviews on sites like Google and the BBB.

List of Best Car Insurance Brokers in Kingston

Here are some independent car insurance brokers in Kingston, Ontario, Canada, along with brief descriptions and reviews from various sources on the internet:

1. Filion Wakely Thorup Angeletti – Filion Wakely Thorup Angeletti is an independent insurance brokerage with over 60 years of experience serving Kingston and the surrounding area. They offer a range of insurance products, including car insurance, with a focus on providing personalized service and tailored coverage options. Filion Wakely Thorup Angeletti has generally positive customer reviews on Google and Facebook.
2. Dalton Jardine Insurance Brokers Ltd. – Dalton Jardine Insurance Brokers Ltd. is an independent insurance brokerage with over 40 years of experience serving Kingston and the surrounding area. They offer a wide range of insurance products, including car insurance, with a focus on providing personalized service and competitive rates. Dalton Jardine Insurance Brokers Ltd. has generally positive customer reviews on Google and the BBB.
3. Gaudreau Assurance – Gaudreau Assurance is an independent insurance brokerage serving Kingston and the surrounding area. They offer a range of insurance products, including car insurance, with a focus on providing personalized service and competitive rates. Gaudreau Assurance has generally positive customer reviews on Google and the BBB.
4. Hometown Insurance – Hometown Insurance is an independent insurance brokerage serving Kingston and the surrounding area. They offer a range of insurance products, including car insurance, with a focus on providing personalized service and competitive rates. Hometown Insurance has generally positive customer reviews on Google and Facebook.
5. Lacroix Insurance – Lacroix Insurance is an independent insurance brokerage serving Kingston and the surrounding area. They offer a range of insurance products, including car insurance, with a focus on providing personalized service and competitive rates. Lacroix Insurance has generally positive customer reviews on Google and Facebook.

Tips for Drivers in Kingston

If you’re a driver in Kingston, Ontario, Canada, here are some tips to help you navigate the city safely and efficiently:

1. Be aware of traffic congestion: Kingston can be a busy city, especially during peak traffic hours. Be prepared for traffic jams and delays, and plan your routes accordingly.
2. Watch for pedestrians and cyclists: Kingston has a large student population, and many people walk or bike to get around. Be sure to watch for pedestrians and cyclists, especially in busy areas like downtown and around Queen’s University.
3. Be prepared for winter driving: Kingston experiences harsh winter weather, with snow and ice often causing hazardous driving conditions. Be sure to have snow tires and practice safe winter driving techniques, such as reducing speed and increasing following distance.
4. Know the speed limits: The speed limits in Kingston can vary depending on the area, and some roads have lower speed limits than others. Be sure to pay attention to posted speed limits and adjust your speed accordingly.
5. Observe parking regulations: Kingston has specific parking regulations, including designated parking zones, parking meters, and time-limited parking. Be sure to observe these regulations to avoid parking tickets and fines.
6. Take advantage of public transportation: Kingston has a good public transportation system, including buses and a train service, which can help you save money on gas and parking fees and reduce traffic congestion.
7. Be cautious around construction zones: Kingston has ongoing construction projects throughout the city, which can cause traffic delays and hazards. Be sure to pay attention to construction signs and drive cautiously around these areas.
8. Avoid distracted driving: Distracted driving is a leading cause of accidents in Kingston and across Canada. Be sure to avoid texting, talking on the phone, or engaging in other distracting activities while driving.
9. Always wear your seatbelt: Seatbelts are required by law in Ontario and can help prevent serious injuries in the event of an accident. Be sure to always wear your seatbelt, and make sure your passengers do the same.

What are the Most Dangerous Intersections in Kingston?

According to data from the Kingston Police Department, some of the most dangerous intersections in Kingston, Ontario, Canada, based on the number of collisions reported, include:

1. Division Street and Concession Street
2. Princess Street and Gardiners Road
3. Bath Road and Portsmouth Avenue
4. Princess Street and Sir John A. Macdonald Boulevard
5. Princess Street and Sydenham Road
6. King Street West and Barrie Street
7. Taylor Kidd Boulevard and Centennial Drive
8. John Counter Boulevard and Sir John A. Macdonald Boulevard
9. Highway 401 off-ramps at Division Street and Sir John A. Macdonald Boulevard

Total Reportable Collisions in Kingston, 2013 – 2021

According to data from the Kingston Police Department, the number of total reportable collisions in Kingston, Ontario, Canada, from 2013 to 2021 are as follows:

• 2013: 2,095
• 2014: 2,142
• 2015: 2,280
• 2016: 2,306
• 2017: 2,299
• 2018: 2,364
• 2019: 2,400
• 2020: 1,951
• 2021 (as of October 2021): 1,664