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Best Auto Insurance rates in Kingston

With only 123,000 people living in the city, Kingston, Ontario, is a quiet place to live but it does feature an active nightlife in the historic downtown area. The city is also very scenic with its picturesque lakeshore, Rideau Canal, and St. Lawrence River. Although there isn’t much traffic in Kingston, drivers are still required to have auto insurance.

If you live and drive in Kingston, It’s the law to have car insurance. When you purchase auto insurance, the policy must include uninsured car coverage, third-party liability, direct compensation property damage and statutory accident benefits.

We provide affordable auto insurance rates that will give you the coverage that you need. Our promise to you is to provide knowledgeable and transparent insurance expertise when you call us or get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain the insurance you can count on. As Ontario’s leading insurance broker, our auto insurance rates in Kingston can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations. When it comes to auto insurance in Kingston, you are in the driver’s seat with isure insurance riding along with you!

Why Trust isure as your Kingston Insurance Broker?

If you live in Kingston and are looking for affordable car insurance, there are a number of reasons why you need to contact an isure insurance broker. Here are some of the many advantages you will see when you work with us:


Our licenced insurance professionals always provide valuable information

If you have little or no experience, navigating insurance can be extremely difficult. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.


Allows you to save more money

If you want to lower your insurance rate and save money, Insurance brokers are the top solution. Our Kingston insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the most affordable quotes for you based on the information you provide.


Quotes that are easy to follow

If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Kingston insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!


If you try to find the best auto insurance quote by yourself, you will need to contact several insurers, which will take a lot of time out of your already busy schedule. When you hire an isure Kingston insurance broker, they handle all of these details, including obtaining and comparing quotes from different insurers for you!


We Work, You Save

You can save hundreds of dollars on insurance when you work with our Kingston insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.


Gain Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.


Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Kingston citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.


We Fully Understand the Market

isure has been the top insurance choice for Ontarions since 2006. We are also one of Canada’s most progressive, reputable insurance brokers with real people that live for insurance! We’re committed to helping Kingston citizens access the best insurance coverage available.


We Have Coverage For All Your Insurance Needs

Our insurance brokers get Kingston residents quotes for home, commercial, auto, life, travel and more.


We are Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.

Why Choose isure As Your Kingston Auto Insurance Broker?

We understand that there are a lot of options when it comes to auto insurance in Kingston. Sometimes getting a quote from a company can feel like an obligation, rather than what it’s supposed to be: information to help you make an informed decision. This is one of the greatest reasons to use an insurance broker, as they have a suite of trusted insurers they work with to find you the best rate for your auto insurance. Their advice is independent of the companies they represent, and are professionally regulated by the Registered Insurance Brokers of Ontario (RIBO).

When selecting your broker, isure stands out for a reason. Have a look at the chart below to see what makes isure a broker of choice. We stand by our isure pledge to ensure you receive the care you deserve, because we know you’re not just another number in the system. We work with a large suite of approved insurance providers to give you the best opportunity at finding your lowest quote with a brand you can trust.

When you choose isure, you are choosing the broker that puts you first. See why more people place their trust in isure every day and talk with one of our dedicated insurance professionals today.

FAQs About Kingston Auto Insurance

What are the factors that affect auto insurance in Kingston?

Type of Vehicle: The year, make and model of your vehicle will be used by auto insurance companies when they calculate the premium.

How You Use The Vehicle: The way you drive your vehicle, how often and your driving habits can all play a role in your insurance rate.

Your Postal Code: The more populated, urban areas in Kingston often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

Your Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

Your Vehicle: Aside from the make, model, and year of your vehicle, frequency of theft and safety rating. Certain types of vehicles tend to be a higher risk, as they are shown to be involved in more accidents than others.

Your Age And Sex: It generally follows that older people have had more years of opportunity to learn proper driving habits. Men under 25 are also statistically more prone to crashes than women of the same age, and generally receive higher premiums, but generally evens out after turning 25 years old.

Distance Travelled: The more you’re on the road, the more likely you are to get in an accident. Those who drive more will pay more than those who commute less often.

Your Driving History: If you have had a lot of traffic tickets or major accidents in your time, auto insurance will be much more expensive for you when compared to others with a clean driving record.

Is it possible to lower the cost of your car insurance in Kingston?

Purchase and Install Anti-theft Devices: If you have anything that prevents theft or vandalism to your vehicle, it can lower your insurance premium.

Purchase and Use Winter Tires: The winters in Kingston can be unbearing, especially when you need to drive to work in the snow every day! Not only is it important for your safety to have winter tires installed during the snowy months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

Kingston Collision Reporting and Claims Process

Accidents happen all across Ontario, and Kingston is no exception. When accidents do happen, there is a specific protocol that must be followed in order to make claiming insurance smoother, as well as easing your own personal stress. 

1. Make sure everyone is safe

Making sure everyone is safe is the number one priority following an accident. This can efficiently be done by observing your own body and simply asking others involved if they are experiencing pain or need any medical attention. If there is any question about the medical safety of anyone involved, don’t hesitate. Call 911 immediately. 


2. Document important information

In 2021, nearly everyone has a mobile device. This makes it much easier to document events that take place in front of us. By using your phone to document damages, driver’s license information, insurance, and accident conditions, you can keep a record very easily for future use. 

  • Damage 

Documenting damages is your personal insurance against alternative claims. Take photos of your own vehicle as well as any other vehicles involved. Photos on-scene show physical damage to the vehicles, as well as license plates that were on each vehicle. This helps to prevent false claims from the other parties involved should they wish to include “additional damage” that wasn’t there during the accident. 

  • License 

Take note of the other driver’s license, ensuring that you obtain their name, their license number, and their address. You should offer your own personal information, as well. Providing your best contact information can ease communication between both parties when settling claims. 

  • Insurance 

You and any other drivers involved should exchange insurance information in case for any reason you are unable to reach them with the provided contact information. You can easily obtain this information by taking a picture of their insurance slip. 

  • Conditions 

Be sure to note the date and time of the accident, as well as weather, such as snow or rainfall. As soon as you can, note the conditions under which the accident happened, and create a record of how the accident occurred. 

3. If need be, involve the police

Involving the authorities in an accident is detrimental (and the law) if damages exceed $2,000 combined. Additionally, the report must be filed within 24 hours of the accident. Typically, if there is notable damage to either vehicle, it is time to involve the authorities.

4. Go to collision center

If the damage appears to exceed $2,000, report it to the police at a collision center. The collision center is where an Ontario representative will officially document the accident. The Collision centre will make an official note of the damage to your car and following that, involve insurance to complete the process. 


Tel: (613) 540-6653 

Fax: (613) 540-6652 

Hours: COVID-19 HOURS: Monday to Friday: 10:00 AM to 6:00 PM 

Note: Do not drive your car here after a crash. Even if you think there is no notable damage internally, wheel alignment and fluid leaks could be dangerous to both you, as well as other drivers on the road. Instead, call for a tow and have a friend or Uber come and take you to the collision center. 

What does insurance cover? 

Insurance coverage will depend on what your specific policy covers. Many policies cover physical repairs or replacements, offer rental funds, and can even reimburse for the tow truck and taxi expenses. Speak with your isure insurance broker to get details with regards to your specific insurance policy. On a final note, do not authorize any repairs until you have reported to your insurance adjuster. 

Save when you bundle your home and auto insurance

Lower your insurance rate and save money

How To Get An Auto Insurance Quote In Kingston?

Working with a suite of quality insurers, isure will do the work of gathering quotes from each company to find the lowest cost for the plan that suits your needs. We work by the isure pledge to ensure that you are always taken care of, and that we work with your best interests in mind. Our dedicated insurance consultants in Kingston will find you the best choice, and will only recommend moving you to another insurer if it works for you.

Finding the right insurance doesn’t have to be difficult. See how the isure difference can help you keep your driving peace of mind.

How Much Should I Expect to Pay For Auto Insurance in Kingston?

There are many factors that go into the price of auto insurance in Kingston. Your quote can fluctuate depending on if you require high risk insurance, or you can have a lower quote if you practice safe driving or if you bundle your policy, for example. Go-telematics is also an option for great drivers as it tracks how you drive (speed, braking, cornering, etc.) to determine your rate.

Not sure where and how to start?

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