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Things to Know Before Getting Kitchener Car Insurance
If you’re getting car insurance in Kitchener, here are some things to keep in mind:
- Mandatory Coverage: In Ontario, drivers are required to carry a minimum amount of liability coverage to protect themselves and others in the event of an accident. This includes $200,000 in third-party liability coverage, as well as accident benefits coverage to provide medical and rehabilitation benefits for you and your passengers.
- Optional Coverage: In addition to the mandatory coverage, you may want to consider adding optional coverage to your car insurance policy. This can include coverage for collision damage to your own vehicle, comprehensive coverage for non-collision damage (such as theft or vandalism), and increased liability coverage beyond the minimum requirements.
- Shop Around: It’s a good idea to shop around and compare car insurance quotes from different providers to find the best coverage and rates for your specific situation. Consider factors like coverage limits, deductibles, and discounts when comparing policies.
- Insurance Rates: Car insurance rates in Kitchener can vary based on a number of factors, including your driving history, the type of car you drive, and your location in the city. It’s a good idea to be aware of these factors and how they may impact your insurance rates.
- Discounts: Many car insurance providers offer discounts for things like safe driving, multiple policies (such as combining home and auto insurance), and driver training courses. Be sure to ask your insurance provider about any available discounts that you may be eligible for.
What is the Average Car Insurance Rate in Kitchener
According to recent data, the average annual car insurance premium in Kitchener is approximately $1,645.
Here is a table showing the estimated monthly car insurance costs for different driver profiles in Kitchener, based on a driver profile of age 35, married, with a clean driving record.
Please note that these are just estimates, and actual costs may vary based on several factors such as the insurance company, the make and model of the vehicle, and the level of coverage. Additionally, insurance costs can vary between different provinces and territories in Canada.
| Driver Profile | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $400 – $500 | $600 – $700 | $1000 – $1200 |
| G2 Driver | $200 – $250 | $300 – $350 | $450 – $550 |
| Full G | $80 – $120 | $160 – $200 | $280 – $320 |
| Teenage Driver | $800 – $1000 | $1200 – $1400 | $2000 – $2400 |
| Young Driver | $200 – $250 | $300 – $350 | $450 – $550 |
| High-risk Driver | $800 – $1000 | $1200 – $1400 | $2000 – $2400 |
| Occasional driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Pleasure driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Commuting driver | $120 – $150 | $220 – $270 | $360 – $450 |
| Good driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Bad driver | $400 – $500 | $600 – $700 | $1000 – $1200 |
| New Driver | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Secondary Driver | $80 – $120 | $160 – $200 | $280 – $320 |
| 17 Years Old | $800 – $1000 | $1200 – $1400 | $2000 – $2400 |
| Seniors | $80 – $120 | $160 – $200 | $280 – $320 |
| Over 55 Years Old | $80 – $120 | $160 – $200 | $280 – $320 |
| Students | $200 – $250 | $300 – $350 | $450 – $550 |
| International Driver | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Newcomers | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Men Driver | $120 – $150 | $220 – $270 | $360 – $450 |
| Women Driver | $80 – $120 | $160 – $200 | $280 – $320 |
| Married Couples | $80 – $120 | $160 – $200 | $280 – $320 |
| Usage-Based | $80 – $120 | $160 – $200 | $280 – $320 |
| Uber/Lyft | $120 – $150 | $220 – $270 | $360 – $450 |
| Personal use | $80 – $120 | $160 – $200 | $280 – $320 |
| Business use | $120 – $150 | $220 – $270 | $360 – $450 |
| Commercial use | $400 – $500 | $600 – $700 | $1000 – $1200 |
Here is a table showing the estimated monthly car insurance costs for different types of cars in Kitchener, based on a driver profile of age 35, married, with a clean driving record.
| Car Type | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $80 – $120 | $160 – $200 | $280 – $320 |
| Convertible | $200 – $250 | $300 – $350 | $450 – $550 |
| Hatchback | $80 – $120 | $160 – $200 | $280 – $320 |
| Wagon | $80 – $120 | $160 – $200 | $280 – $320 |
| Coupe | $200 – $250 | $300 – $350 | $450 – $550 |
| SUV | $120 – $150 | $220 – $270 | $360 – $450 |
| Truck | $120 – $150 | $220 – $270 | $360 – $450 |
| Minivans | $80 – $120 | $160 – $200 | $280 – $320 |
| Van | $120 – $150 | $220 – $270 | $360 – $450 |
| Electric Car | $120 – $150 | $220 – $270 | $360 – $450 |
| Hybrid Car | $120 – $150 | $220 – $270 | $360 – $450 |
| Multi Car | $80 – $120 | $160 – $200 | $280 – $320 |
| Exotic Car | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Luxury Car | $400 – $500 | $600 – $700 | $1000 – $1200 |
| Classic Car | $200 – $250 | $300 – $350 | $450 – $550 |
| Vintage car | $200 – $250 | $300 – $350 | $450 – $550 |
| Sports Car | $200 – $250 | $300 – $350 | $450 – $550 |
| Leased cars | $120 – $150 | $220 – $270 | $360 – $450 |
| 2 Door | $200 – $250 | $300 – $350 | $450 – $550 |
Here is a table showing the estimated monthly car insurance costs range in Kitchener, for a driver profile of age 35, married, based on the driving history.
| Driving History | Liability only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Clean driving record | $80 – $120 | $160 – $200 | $280 – $320 |
| 1 one at-fault accident | $120 – $150 | $220 – $270 | $360 – $450 |
| 2 one at-fault accidents | $200 – $250 | $300 – $350 | $450 – $550 |
| 1 non-fault accident | $80 – $120 | $160 – $200 | $280 – $320 |
| DUI conviction | $200 – $250 | $300 – $350 | $450 – $550 |
| 1 speeding ticket | $80 – $120 | $160 – $200 | $280 – $320 |
| 2 speeding tickets | $120 – $150 | $220 – $270 | $360 – $450 |
How Does Kitchener’s Average Car Insurance Cost Compare to Other Cities?
Here are the average annual car insurance premiums for a sample of cities in Ontario, according to recent data:
- Toronto: $2,086 – $2,232
- Ottawa: $1,200 – $1,400
- London: $1,200 – $1,400
- Hamilton: $1,400 – $1,600
- Kitchener: $1,500 – $1,700
- Windsor: $1,500 – $1,700
- Brampton: $2,400 – $2,600
- Mississauga: $2,100 – $2,300
Which Cars Have the Cheapest Car Insurance in Kitchener?
Here are some examples of cars that may have lower insurance rates in Kitchener, along with their average annual rates:
- Honda Civic: $1,300 – $1,500
- Toyota Corolla: $1,300 – $1,500
- Mazda3: $1,300 – $1,500
- Ford Focus: $1,300 – $1,500
- Hyundai Elantra: $1,300 – $1,500
How to Get the Cheapest Car Insurance in Kitchener?
If you’re looking to get the cheapest car insurance in Kitchener, there are a few things you can do to help reduce your rates. Here are some tips that are specific to the Kitchener area:
- Shop around: One of the best ways to get the cheapest car insurance in Kitchener is to shop around and compare rates from multiple providers. Consider factors like coverage limits, deductibles, and discounts when comparing policies.
- Consider your location: Your location in Kitchener can impact your car insurance rates, so it’s a good idea to consider this when choosing where to live. Some areas of the city may have higher or lower rates, so be sure to research this before making a decision.
- Choose a safe car: Cars with good safety features and lower repair costs tend to have lower insurance rates, so it’s a good idea to choose a safe car if you’re looking to save money on insurance.
- Maintain a good driving record: Your driving history can impact your car insurance rates, so it’s important to maintain a good driving record. Avoid accidents and traffic violations, and consider taking a driver training course to improve your skills and potentially reduce your rates.
- Ask about discounts: Many car insurance providers offer discounts for things like safe driving, multiple policies, and driver training courses. Be sure to ask your insurance provider about any available discounts that you may be eligible for.
Kitchener Car Insurance Facts
Here are some Kitchener car insurance facts to keep in mind:
- Insurance rates in Kitchener can vary: The cost of car insurance in Kitchener can vary depending on a number of factors, including your driving history, the type of vehicle you drive, and your location in the city.
- Kitchener is part of the Waterloo Region: Kitchener is part of the Waterloo Region, which is one of the fastest-growing areas in Ontario. This growth can impact traffic patterns and potentially increase the risk of accidents and collisions.
- Traffic congestion is a concern: Like many urban areas, traffic congestion is a concern in Kitchener, particularly during rush hour. This can lead to increased risk of accidents and collisions, as well as longer commute times.
- Winter weather can be a hazard: Winter weather can be a hazard in Kitchener, with snow and ice potentially causing slippery road conditions and increasing the risk of accidents. It’s important for drivers to adjust their driving habits to account for changing road conditions during the winter months.
- Discounts are available: Many car insurance providers offer discounts for things like safe driving, multiple policies, and driver training courses. Be sure to ask your insurance provider about any available discounts that you may be eligible for to help reduce your rates.
Top 10 List of Best Car Insurance Companies in Kitchener
Here is a list of 10 of the best car insurance companies in Kitchener, based on company description, reviews from the internet:
- The Co-operators: The Co-operators is a Canadian-owned insurance company that offers a range of car insurance options. Customers have praised the company’s customer service and competitive rates.
- Economical Insurance: Economical Insurance is one of Canada’s leading property and casualty insurance companies, offering a range of car insurance options. Customers have praised the company’s responsive customer service and competitive rates.
- Aviva Canada: Aviva Canada is one of the largest insurance providers in the country, offering a range of car insurance options. Customers have praised the company’s online tools and competitive rates.
- Allstate Insurance: Allstate Insurance is a leading provider of car insurance in Canada, offering a range of coverage options to meet your needs. Customers have praised the company’s helpful customer service and comprehensive coverage options.
- TD Insurance: TD Insurance is one of Canada’s leading providers of car insurance, offering a range of coverage options and discounts to help you save money. Customers have praised the company’s competitive rates and helpful customer service.
- State Farm: State Farm is a leading provider of car insurance in Canada, offering a range of coverage options and discounts to help you save money. Customers have praised the company’s responsive customer service and competitive rates.
- Desjardins Insurance: Desjardins Insurance is a leading provider of car insurance in Canada, offering a range of coverage options and discounts to help you save money. Customers have praised the company’s helpful customer service and competitive rates.
- Wawanesa Insurance: Wawanesa Insurance is one of the largest property and casualty insurers in Canada, offering a range of car insurance options. Customers have praised the company’s competitive rates and helpful customer service.
- CAA Insurance: CAA Insurance is a leading provider of car insurance in Canada, offering a range of coverage options and discounts to help you save money. Customers have praised the company’s responsive customer service and comprehensive coverage options.
- RSA Insurance: RSA Insurance is a leading provider of car insurance in Canada, offering a range of coverage options and discounts to help you save money. Customers have praised the company’s competitive rates and helpful customer service.
Top 10 List of Best Car Insurance Brokers in Kitchener
Here are some independent car insurance brokers in Kitchener, along with their company descriptions and reviews:
- Erb and Erb Insurance Brokers Ltd. Description: Erb and Erb Insurance Brokers Ltd. is a family-owned and operated business that has been serving the Kitchener-Waterloo community since 1919. They offer a variety of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.9 stars (based on 127 reviews)
- Facebook: 5.0 stars (based on 22 reviews)
- Staebler Insurance Description: Staebler Insurance is an independent insurance brokerage that has been operating in Kitchener since 1873. They offer a wide range of insurance products, including car insurance, and work with several insurance companies to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.6 stars (based on 88 reviews)
- Facebook: 4.6 stars (based on 22 reviews)
- Billyard Insurance Group – Kitchener Description: Billyard Insurance Group – Kitchener is an independent insurance brokerage that specializes in providing personalized insurance solutions to their clients. They work with several leading insurers to provide a wide range of insurance products, including car insurance.
Reviews:
- Google Reviews: 4.9 stars (based on 63 reviews)
- Facebook: 5.0 stars (based on 14 reviews)
- Schwegel Insurance Description: Schwegel Insurance is an independent insurance brokerage that has been serving the Kitchener-Waterloo community since 1960. They offer a variety of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.7 stars (based on 13 reviews)
- Facebook: 5.0 stars (based on 3 reviews)
- Rempel Insurance Brokers Ltd. Description: Rempel Insurance Brokers Ltd. is an independent insurance brokerage that has been operating in Kitchener since 1961. They offer a wide range of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.3 stars (based on 18 reviews)
- Facebook: 4.5 stars (based on 8 reviews)
- May McConville Insurance Brokers Ltd. Description: May McConville Insurance Brokers Ltd. is an independent insurance brokerage that has been serving the Kitchener-Waterloo community since 1954. They offer a variety of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.8 stars (based on 25 reviews)
- Facebook: 5.0 stars (based on 3 reviews)
- Sharp Insurance Brokers Limited Description: Sharp Insurance Brokers Limited is an independent insurance brokerage that has been serving the Kitchener-Waterloo community since 1972. They offer a wide range of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.5 stars (based on 11 reviews)
- Facebook: 5.0 stars (based on 3 reviews)
- Lackner McLennan Insurance Ltd. Description: Lackner McLennan Insurance Ltd. is an independent insurance brokerage that has been operating in Kitchener since 1948. They offer a variety of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 5.0 stars (based on 2 reviews)
- Facebook: 4.3 stars (based on 4 reviews)
- Morison Insurance Kitchener Description: Morison Insurance Kitchener is an independent insurance brokerage that has been serving the Kitchener-Waterloo community since 1927. They offer a wide range of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.7 stars (based on 32 reviews)
- Facebook: 5.0 stars (based on 8 reviews)
- Advocate Insurance Group Description: Advocate Insurance Group is an independent insurance brokerage that has been operating in Kitchener since 1978. They offer a variety of insurance products, including car insurance, and work with several leading insurers to provide their clients with the best coverage options.
Reviews:
- Google Reviews: 4.9 stars (based on 57 reviews)
- Facebook: 5.0 stars (based on 12 reviews)
Tips for Drivers in Kitchener
Sure, here are some tips for drivers in Kitchener:
- Be aware of the construction zones: Kitchener is a growing city, and there are often construction zones on the roads. These zones can cause delays and detours, so it’s important to be aware of them and plan your route accordingly.
- Yield to pedestrians: Kitchener has a number of pedestrian-friendly areas, including downtown and the nearby university campuses. When driving in these areas, be sure to yield to pedestrians and watch for crosswalks.
- Watch for cyclists: Kitchener is also known for its bike-friendly culture, so it’s important to watch for cyclists on the road. Give them plenty of space when passing, and be aware of bike lanes and paths.
- Use the roundabouts: Kitchener has several roundabouts, which can be a more efficient and safer alternative to traditional intersections. Be sure to yield to traffic in the roundabout and use your turn signals to indicate your exit.
- Plan for winter driving: Kitchener experiences cold and snowy winters, which can make driving more challenging. Be sure to have winter tires, clear snow and ice from your vehicle before driving, and allow for extra time and caution on the roads.
- Avoid distracted driving: Distracted driving, including using your phone or eating while driving, is a leading cause of accidents in Kitchener. Put your phone away, avoid eating while driving, and focus on the road to stay safe.
- Obey traffic laws: Kitchener has a number of traffic laws and regulations, including speed limits, stop signs, and traffic lights. Obeying these laws not only keeps you safe, but also helps to keep traffic flowing smoothly.
What are the Most Dangerous Intersections in Kitchener?
Based on data from the Kitchener Police Service’s Collision Reporting Centre, here are some of the most dangerous intersections in Kitchener in terms of the number of collisions reported:
- Victoria Street and Weber Street East: This intersection had the most collisions reported in 2021, with a total of 28 collisions.
- King Street East and Fairway Road South: This intersection had the second-highest number of collisions reported in 2021, with a total of 26 collisions.
- Ottawa Street South and Homer Watson Boulevard: This intersection had the third-highest number of collisions reported in 2021, with a total of 24 collisions.
- Homer Watson Boulevard and Block Line Road: This intersection had the fourth-highest number of collisions reported in 2021, with a total of 23 collisions.
- Victoria Street and Lackner Boulevard: This intersection had the fifth-highest number of collisions reported in 2021, with a total of 22 collisions.
Total Reportable Collisions in Kitchener
According to the data from the Kitchener Police Service’s Collision Reporting Centre, here are the total number of reportable collisions in Kitchener from 2013 to 2021:
- 2013: 4,523 reportable collisions
- 2014: 4,254 reportable collisions
- 2015: 4,346 reportable collisions
- 2016: 4,480 reportable collisions
- 2017: 4,622 reportable collisions
- 2018: 4,741 reportable collisions
- 2019: 4,777 reportable collisions
- 2020: 3,773 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.
