Car insurance Kitchener, ON

Part of a series on car insurance rates in Ontario.

Car Insurance Kitchener FAQ

How much is car insurance in Kitchener on average?

The price of auto insurance in Kitchener, Ontario, can fluctuate considerably based on various elements, including the driver’s age, driving record, vehicle type, and coverage choices. Our data indicates that the average annual cost of car insurance in Kitchener is roughly $2,705. Nonetheless, it’s crucial to bear in mind that this figure is merely an average and individual premiums can differ significantly.

To obtain a more precise estimate of your car insurance expenses in Kitchener, it is advisable to request quotes from multiple insurance companies and evaluate the rates and coverage options they offer. Several factors, including your driving history, age, vehicle make and model, chosen coverage level, and any additional optional coverage, can influence your premium costs. Collaborating with a certified insurance broker can also assist you in identifying potential avenues to reduce your premiums without compromising the necessary coverage.

What type of car insurance does aha insurance offer in Kitchener?

At aha insurance, we provide a variety of car insurance options to choose from.

Mandatory Coverage

In Ontario, car insurance mandates encompass the following compulsory obligations:

Third-Party Liability Coverage

In Kitchener, having third-party liability coverage is a vital component of car insurance. This mandatory coverage ensures that you are protected in case you cause injury or damage to others while driving your vehicle. It encompasses legal expenses, settlements, and claims up to the minimum coverage limit of $200,000. With third-party liability coverage, you can drive with confidence, knowing that you have the necessary coverage to handle potential liabilities that may arise on the roads of Kitchener.

Direct Compensation-Property Damage (DC-PD) Coverage

DC-PD coverage is an important aspect of car insurance. This coverage applies when your vehicle is damaged in an accident caused by another party. With DC-PD coverage, you can receive compensation directly from your insurance provider rather than pursuing a claim against the at-fault driver. It provides a convenient and efficient way to repair or replace your vehicle, saving you time and effort. DC-PD coverage ensures that you are adequately protected in Kitchener, allowing you to confidently navigate the roads knowing that your vehicle is covered in case of an accident caused by someone else.

Accident Benefits Coverage

Accident benefits coverage in Kitchener is a crucial component of car insurance that provides benefits to individuals injured in a car accident. This coverage encompasses various benefits, including medical expenses, rehabilitation costs, income replacement, and other related expenses resulting from an accident. With accident benefits coverage, Kitchener residents can receive the necessary support and financial assistance to aid in their recovery and cover the expenses associated with their injuries. This coverage ensures that individuals involved in car accidents in Kitchener have access to the necessary resources and support to help them rebuild their lives after an unfortunate event on the road.

Uninsured Motorist Coverage

In Kitchener, uninsured motorist coverage is a mandatory component of car insurance that safeguards you in the event of an accident with an uninsured, underinsured, or hit-and-run driver. This coverage provides protection when the at-fault driver lacks adequate insurance to cover your injuries or damages. In such situations, Uninsured motorist coverage steps in to compensate for your losses, including medical expenses, vehicle repairs, and other related costs. By having this coverage in Kitchener, you can have peace of mind knowing that you are financially protected even if you encounter an uninsured or underinsured driver on the road.

Optional Coverage

Furthermore, there are several discretionary coverage choices available for car insurance, which include:

Comprehensive Coverage

Comprehensive coverage is an optional auto insurance feature that provides comprehensive protection for damages to your vehicle that are not caused by collisions. This coverage extends to various non-collision events, including theft, vandalism, fire, hail, falling objects, and damages resulting from encounters with animals. Similar to collision coverage, comprehensive coverage assists in covering the expenses associated with repairing or replacing your vehicle up to its current market value, taking into consideration the deductible you have selected.

Collision Coverage

Collision coverage is an automobile insurance choice that offers financial security for damages to your vehicle caused by collisions with other vehicles or objects, regardless of who is at fault. This coverage aids in managing the expenses involved in repairing or replacing your vehicle up to its present market value while taking into account the deductible amount you have chosen.

Specified Perils Coverage

Specified perils coverage is a discretionary type of auto insurance that offers focused protection against a predefined list of risks identified in your policy. These risks often encompass particular perils like fire, theft, hail, lightning, and other perils explicitly outlined in the policy. By opting for specified perils coverage, you are insured against damages arising from the hazards mentioned explicitly in the policy; however, coverage for damages caused by other perils may not be included.

All Perils Coverage

All perils coverage is a comprehensive and expansive form of auto insurance that combines collision and comprehensive coverage. By selecting all perils coverage, unless explicitly excluded in the policy, you are protected against a wide range of risks, including collisions, theft, fire, vandalism, and various other perils. This coverage offers a more inclusive and comprehensive level of protection for your vehicle.

Is car insurance cheaper in Kitchener?

The average cost of car insurance in Kitchener is approximately $2,705, which is higher than the provincial average of $1,505 for Ontario. This indicates that purchasing car insurance in Kitchener is not cheaper compared to the rest of the province. The higher premiums in Kitchener can be attributed to various factors specific to the city.

One of the reasons for the higher insurance costs in Kitchener could be the population density and traffic congestion in the area. Kitchener is a thriving city with a growing population, leading to increased traffic on the roads. Higher traffic volume often correlates with a greater likelihood of accidents and claims, which in turn drives up insurance premiums. Additionally, the higher cost of living in Kitchener may contribute to higher repair and replacement costs for vehicles, influencing insurance rates.

Furthermore, the frequency of auto theft and vandalism can also impact insurance rates in Kitchener. As a larger city, Kitchener may have a higher incidence of car theft and property damage, which can result in increased insurance costs. Insurance companies consider the risk of theft or damage when calculating premiums, and areas with higher crime rates generally experience higher insurance rates as a result.

Overall, while the average car insurance cost in Kitchener is higher than the provincial average, it’s important to remember that individual premiums can vary significantly based on personal factors such as driving history, type of vehicle, coverage levels, and other relevant factors. We recommend obtaining quotes from multiple insurance providers and considering factors beyond price alone, such as coverage options and customer service when deciding on car insurance in Kitchener.

What type of auto insurance do I need in Kitchener?

In Kitchener, Ontario, there are multiple options available when it comes to car insurance coverage. Some types of auto insurance are obligatory, while others are voluntary.

Third-party liability coverage is a requirement for all drivers in Kitchener and across Ontario. This essential coverage offers protection in situations where you are held accountable for causing harm or damage to others while operating a vehicle. It covers expenses associated with legal proceedings, settlements, and claims, with a minimum coverage limit of $200,000. However, numerous policyholders choose to increase their coverage limits to $1 million or $2 million for added peace of mind.

This mandatory coverage also incorporates accident benefits coverage, providing benefits to individuals injured in a car accident, regardless of who is at fault. It includes uninsured motorist coverage, ensuring your protection in the event of an accident involving an uninsured, underinsured, or hit-and-run driver. Furthermore, it includes direct compensation-property damage coverage, which applies when your vehicle sustains damage in an accident caused by another party.

What are the main things affecting my auto insurance premiums in Kitchener?

There are multiple factors that can significantly impact the cost of your auto insurance premiums in Kitchener. It’s important to be aware of these factors as they play a crucial role in determining the amount you will pay for coverage. Here are some of the main factors to consider:

Driving Record

Your driving history is a crucial factor considered by insurance companies. Having a clean record with no accidents, claims, or traffic violations indicates that you are a low-risk driver and you are likely to receive lower insurance premiums. On the other hand, if you have a history of accidents or traffic infractions, insurers may view you as a higher risk, leading to higher premiums.

Age and Experience

Young and inexperienced drivers typically face higher insurance premiums due to their lack of driving experience, and statistics show that they are more prone to accidents. As you gain more driving experience and reach certain age milestones, such as 25 years old, insurance premiums tend to decrease as you are considered a more experienced and responsible driver.

Vehicle Type

The make, model, and year of your vehicle have a significant impact on insurance premiums. Expensive or high-performance cars usually have higher insurance costs since they may require costly repairs or are more likely to be targeted by thieves. Additionally, vehicles with advanced safety features and strong safety ratings may qualify for discounts on premiums.

Coverage and Deductibles

The level of coverage you choose and the deductible amount you’re willing to pay directly affect your premiums. Opting for higher coverage limits to provide more comprehensive protection or choosing lower deductibles (the amount you pay out of pocket in case of a claim) typically results in higher premiums. Conversely, selecting lower coverage limits or higher deductibles may lower your premiums and expose you to more risk in an accident.

Annual Mileage

The distance you drive annually can impact your premiums. Insurance companies consider that the more you drive, the more exposure you have to accidents. If you have a longer commute or frequently drive long distances, your insurance premiums may be higher than those of someone who drives fewer miles.


Where you live and park your vehicle can affect your premiums. If you reside in an area with a higher population density and a higher incidence of accidents, vehicle theft, or vandalism, insurers may perceive a greater risk and charge higher premiums accordingly. Additionally, parking your car in a secure garage or using an anti-theft device can potentially lower your premiums.

How can I find the best car insurance quote in Kitchener?

To find the best car insurance quote in Kitchener, you can follow these steps:

    1. Start by conducting extensive research on different insurance providers in Kitchener. Look for insurers that have a strong reputation and offer a diverse range of coverage options. Dedicate time to reviewing customer feedback and ratings of the insurance companies under consideration. This will provide valuable insights into customer service quality, claims processing efficiency, and overall customer satisfaction.
    2. Contact various insurance companies and inquire about tailored quotes that match your specific coverage requirements. Ensure you provide precise details regarding your driving record, vehicle information, and any other pertinent factors. Conduct a thorough comparison of the quotes you receive, carefully examining coverage limits, deductibles, and premium amounts. This analysis will assist you in identifying the most competitive options available to you.
    3. Seek advice from an insurance broker who can provide professional assistance and guide you through the available choices. Brokers have connections with various insurance providers and can aid in locating the most suitable car insurance quote in Kitchener. Additionally, inquire about potential discounts or incentives provided by insurance companies, such as safe driver discounts or bundled insurance packages. These offerings can help lower your premiums and increase the overall value of your car insurance coverage.

Through comprehensive research, quote comparisons, and seeking expert guidance, you can enhance the likelihood of discovering the most suitable car insurance quote that aligns with your requirements, offering excellent coverage at a competitive rate.

Fast facts about auto insurance in Kitchener

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)


Collision rate for the city

Average age

Average household income


Unemployment rate


Understanding car insurance in Kitchener, Ontario

Kitchener stands as a key economic hub outside of the GTA as a part of the Tri-City Area (alongside Waterloo and Cambridge). A budding smart city and one half of Canada’s own Silicon Valley, it sees many commuters enter and leave the city on a daily basis.

While Kitchener is highly enmeshed with Waterloo (sharing a single police force, for example), insurers may see accidents in one region as separate from the other. Accidents on Waterloo’s Highway 85 may or may not count toward Kitchener’s claims rate, depending on the insurer (and they keep that actuarial science closely guarded).

Having said that, Kitchener’s rates aren’t too surprising. It has a moderate average car insurance rate that reflects a moderate annual collision rate.

Although the rate seems high for its population, so too does the number of drivers. According to the city’s 2016 census profile, over 91,000 people drove to work every day out of the city’s entire population of 233,222 residents. That’s a disproportionate amount of drivers on the road each and every day, which raises the statistical likelihood of a collision.

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Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 15% on car insurance when you bundle them.

Busting myths about driving and insurance in Kitchener

Myth: Kitchener and Waterloo are the same city.

False. Locals know they’re different, even though they share some public services and administration, like the Waterloo Region Police Force. Still, it’s important to remember for people moving here or just earning their driver’s license. Every residential area has its own crime rates, claim rates, and collision rates. Living on one side of the line between Kitchener and Waterloo could yield different rates than the other. Check with multiple insurers (or us) to get the best rate!

Myth: Kitchener is a rough city.

Definitely false. While crime rates have been rising across Canada in general (raising car and home insurance rates alike), Kitchener’s overall crime severity index only stands at 61.2 (shared with Waterloo and Cambridge).

While that’s higher than neighbouring Guelph’s index of 54.6, it’s pretty average compared to other Canadian cities. London’s stands at 68.4, and Thunder Bay’s stands at 85.9. Saskatoon’s stands at 117.8, and Regina’s at 125.8.

Myth: The 401 makes it easy to commute into Kitchener.

False! Although the stretch of the 401 between Cambridge and Kitchener just recently had lanes added, the on and off-ramps at Kitchener’s Highway 8 frequently slow to a crawl during peak traffic times—and if there’s an accident, then expect to get comfy.

You may be better taking back roads than the 401, especially if you need to get to Waterloo on the other side of the city.

Myth: Kitchener’s public transit isn’t reliable.

This depends on where you’re traveling. Public transit to and from the downtown core works reliably, especially with the addition of the light-rail transit system. However, bus lines haven’t focused on transporting people into the southern end of the city, or to Conestoga College’s campus.

Luckily, Grand River Transit just recently opened Door 3 at Conestoga College as of November 14, 2019.

How Kitchener’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • East York: $3,605
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,473
  • Markham: $3,389
  • Niagara Falls: $3,321
  • Bowmanville: $3,308
  • Peterborough: $3,259
  • Pickering: $ 3,245
  • Newmarket: $ 3,216
  • Hamilton: $3,201
  • Brantford: $ 3,158
  • Maple: $3,150
  • Whitby: $3,087
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • Thornhill: $2,871
  • Waterloo: $2,867
  • Caledon: $2,780
  • London: $2,765
  • Fort Erie: $2,720
  • Oakville: $2,720
  • Sault Ste Marie: $ 2,713
  • Kitchener: $2,705
  • Milton: $2,680
  • St Catharines: $ 2,550
  • Windsor: $2,536
  • Woodstock: $2,513
  • Innisfil: $2,505
  • Burlington: $2,476
  • Kingston: $ 2,360
  • Cambridge: $2,297
  • Oshawa: $2,295
  • Guelph: $2,268
  • Gloucester: $2,256
  • Stoney Creek: $2,222
  • Nepean: $2,196
  • Ottawa: $2,195
  • Sudbury: $2,005
  • Kanata: $2,002
  • Thunder Bay: $1,973
  • Wasaga Beach: $1,958

Quick tips on insurance and driving in Kitchener

Learn how roundabouts work (they’re everywhere now).

Kitchener has invested pretty heavily into roundabouts in recent years. Love ’em or hate ’em, they’re here to stay—and cycling lanes are being proposed for new ones, too. Remember to use the left signal to indicate that you’re continuing in the roundabout and the right signal to indicate when you’re about to exit. Also yield to trucks entering them, as they have the right to use both lanes.

For even safer driving, just assume that nobody else understands how signalling works in a roundabout, either.

Street parking is all about where you look.

Easy parking can be hard to come by, but decent parking is everywhere in Kitchener (there are over 3,400 roadside spaces). If you’re looking for free parking around the Tannery, then check out the streets on the other side of the Deloitte building on Oak and Michael (you’ll know the huge smokestack when you see it).

For downtown engagements, carefully scan the sides of the roads for parking spots carved out on the sides of the road. Kitchener’s downtown core has undergone substantial redesigns, so many roadside parking spots blend in with the sidewalks right beside them.

Kitchener’s intra-city highways are good until rush hour.

Kitchener has a surprisingly robust highway system for a mid-sized city, and it connects to Waterloo pretty well. The only problem? Everybody uses them, even just to get around smaller parts of town.

This is a can reduce traffic to a crawl or even a full stop during rush hour, causing problems for commuters from outside the city. Get on the road by 4:00 p.m. after work to get ahead of the worst traffic jams.

Avoid collisions with cyclists, because you’re going to see a lot more of them.

Kitchener has made a push to promote cycling in the city as a part of a larger initiative to become a smart city. To that end, the city has created 5 kilometres of dedicated bike lanes, primarily around Water Street, Belmont Avenue, and Queen’s Boulevard.

Cyclists will be much safer, although some areas may have reduced lanes (especially downtown). Be prepared to drive more cautiously.


Kitchener Insurance FAQs

Which Kitchener postal code has the highest premiums?

With an estimated premium of $1,382, residents with an N2C postal code generally have the highest premiums in Kitchener. 

Proximity to busy roadways affects what you pay for auto insurance. For example, N2C neighbourhoods border Highway 8 and the Conestoga Parkway to the north and Homer Watson Blvd to the west. They are also a short drive from the 401. 

Who sets car insurance rates in Kitchener?

Insurance companies set car insurance rates in Kitchener based on multiple factors that affect the likelihood of their customers making claims. Therefore, individual Kitchener drivers’ habits and characteristics are essential in determining the average Kitchener auto insurance premium. 

For example, LowestRates.ca reports that Kitchener residents prefer “sensible cars.” Driving a safe, reliable vehicle is an excellent way to keep your insurance costs down. 

Learn more about how to lower car insurance in Ontario

What mandatory coverage do I need to have in Kitchener?

Every auto insurance policy in Ontario must include the same basic mandatory coverages, which include: 

  • Statutory accident benefits 
  • Third-party liability coverage 
  • Direct compensation – property damage coverage 
  • Uninsured auto coverage 

Learn more about mandatory car insurance in Ontario

Beyond mandatory coverages, every policyholder can enhance their auto insurance with custom add-ons. You can increase your limits, adjust your deductibles, and add optional endorsements or protections like collision and comprehensive coverage to suit your unique needs. 

How do Kitchener car insurance quotes compare to other cities in Ontario?

According to RatesDotCa estimates, Kitchener’s average auto insurance price is $1,331, $224 lower than the 2021 Ontario average of $1,555. 

Kitchener joins Windsor as a larger Ontario city with low insurance rates for its size. However, despite Kitchener having a larger population than Windsor, the average Windsor driver pays $1,491 for auto insurance annually, about 11% more than the Kitchener average. 

Greater Toronto area residents pay the highest car insurance premiums in Ontario. As a result, Kitchener drivers can spend between 39% and 25% less than residents of the 10 Ontario cities with the highest car insurance rates


What factors determine my car insurance quotes in Kitchener?

Kitchener residents can save on insurance by living and working outside of the Greater Toronto Area for several reasons:  

  • Better traffic conditions
  • Lower instances of car theft
  • Lower vehicle repair prices due to lower rent and labour costs

In addition to where you live, these factors also determine the price of your quote: 

  • What you drive: The safety rating of your vehicle and the potential cost of repairs factor into how much you’ll pay for coverage. 
  • How far you drive: Driving long distances increases your rates, especially if you’re heading onto the 401 for work every morning.
  • Your age, gender and driving experience: New, young male drivers pay more for insurance than drivers over 25 who have years of safe driving experience.  
  • Your driving record: Including traffic tickets, accidents and charges for reckless driving or driving without insurance.
  • Your insurance history: Gaps in your insurance coverage and missed payments on previous policies can make insurance more expensive in the future. 
  • The coverage you choose: We understand the importance of saving money. Still, it’s crucial to select affordable deductibles and enough coverage to protect you and your family from financial losses if you need to make a claim. 

Find out if you can save on the quality car insurance you need with aha, get your 3-minute quote anytime.

Sources for fast facts about Kitchener:

  • Stats Canada, 2016 Census Profile, Kitchener
  • Ministry of Transportation, 2016 Road Safety Report
  • CTV News, “Kitchener begins building separated bike lanes as part of pilot program”
  • CBC News, “Canada’s first ‘Dutch-inspired’ roundabout could be built in Kitchener”
  • Kitchener.ca, “Parking options”
  • Crime Severity Index, 2016 Census

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

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