How to find cheap car insurance in Kitchener
We know saving money and getting cheaper insurance is important for drivers. There are a number of steps you can take to get the lowest car insurance rates in the Kitchener area:
- Comparison shop: Always compare rates from multiple insurers.
- Don’t let your policy auto-renew: Look into potential premium savings before renewing your current policy.
- Get quotes annually: Each time your Kitchener auto insurance comes up for renewal, you can save on premiums.
- Assess your needs as they change: Assess your needs to make sure you have the right amount of protection as things change in your life.
- Ask about discounts: Inquire about discounts you may qualify for. As time goes by, you may qualify for new discounts and savings.
How much does car insurance cost in Kitchener?
Car insurance in Kitchener costs approximately $ 2,423 per year. This is higher than the provincial average. Premiums are similar in Waterloo and Cambridge. Drivers pay an average of $ 1,737 annually for car insurance in Ontario. Drivers with tickets, accidents, and claims on their records typically will have higher rates.
- Annually: $2,423
- Semi-annually: $1,211.50
- Quarterly: $605.75
- Monthly: $201.91
- Weekly: $46.59
- Daily: $6.64
Rates are based on ThinkInsure customer quote data for Q1 2024 (Jan 1 to March 15, 2024)
Kitchener car insurance premium map
Sources: *FSRAO
2023 ThinkInsure customer quote data. Drivers with a clean driving record and standard coverage.
Kitchener car insurance rates from 2019-2024
Insurance rates are subject to frequent adjustments, influenced by insurers' examination of data related to claims, repair costs, accidents, and numerous other factors. Furthermore, your driving record and potential eligibility for other discounts can impact these rate variations. Below is an overview of car insurance premiums by year in Kitchener:
| Year |
Average annual premium |
| 2024 |
$2,423 |
| 2023 |
$2,071 |
| 2022 |
$2,212 |
| 2021 |
$1,904 |
| 2020 |
$2,194 |
| 2019 |
$2,190 |
| Average rate (2019-24) |
$2,166 |
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Kitchener auto insurance premiums by driver type
Your auto insurance premiums are affected by your driver classification. Elements such as age, demographics, driver classification, and driving record are considered by insurers to determine the amount you pay. To examine the impact of these factors on your payments, we analyzed our customer quote data. Here are our findings:
| |
Premium |
Monthly |
Difference |
| Driver type |
| All drivers |
$1,971 |
$164 |
0 |
| Young drivers (25 and under) |
$2,824 |
$235 |
43.28% |
| Middle age (25 - 50) |
$2,138 |
$178 |
8.47% |
| Mature/senior drivers (50+) |
$1,351 |
$113 |
-31.46% |
| High risk drivers |
$5,071 |
$423 |
157.28% |
| Demographics |
| Male |
$2,061 |
$172 |
4.57% |
| Female |
$1,723 |
$144 |
-12.58% |
| Married |
$1,758 |
$147 |
-10.81% |
| Single |
$2,104 |
$175 |
6.75% |
| Driving record |
| Clean driving record |
$1,971 |
$164 |
0 |
| 1 ticket within the past 3 years |
$2,408 |
$201 |
22.17% |
| 1 accident in 3 years |
$2,760 |
$230 |
40.03% |
| 1 cancellation in 3 years |
$2,836 |
$236 |
43.89% |
| 1 suspension in 3 years |
$3,107 |
$259 |
57.64% |
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Auto insurance rates in Kitchener compared to local cities nearby
Kitchener has higher costs compared to other local cities nearby. Here’s a breakdown:
| City |
Avg premium |
| Kitchener |
$2,071 |
| Guelph |
$2,053 |
| Waterloo |
$1,897 |
| Stratford |
$1,819 |
| Brantford |
$2,013 |
| Woodstock |
$1,779 |
| Cambridge |
$2,367 |
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What areas in Kitchener have the cheapest car insurance?
Where you live within a city can have an impact on your insurance premiums. In Kitchener, the difference between postal codes could result in a difference of hundreds of dollars each year. Based on our customer data, South Kitchener (N2R) has the most affordable rates and South Central Kitchener (N2C) has the most expensive.
| Area in City of Kitchener |
Postal Codes |
Avg Premium |
| Kingssdale, Vanier, Hidden Valley, Parkway, Country Hills East |
N2C |
$2,505 |
| Northward, MT Hope Huron Park, Civic Center, Auditorium, Eastwood |
N2H |
$2,079 |
| Kitchener Central |
N2G |
$1,516 |
| Kitchener East |
N2A |
$2,063 |
| Kitchener North |
N2K |
$1,529 |
| Kitchener North Central |
N2H |
$2,079 |
| Kitchener Northeast |
N2B |
$1,671 |
| Kitchener Northwest |
N2M |
$2,247 |
| Kitchener South |
N2R |
$1,476 |
| Kitchener South Central |
N2C |
$2,505 |
| Kitchener Southeast |
N2P |
$2,490 |
| Kitchener Southwest |
N2E |
$1,844 |
| Kitchener West |
N2N |
$1,657 |
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Kitchener car insurance premiums by vehicle brand
The vehicle you drive matters. As you can see below, costs can vary by around $1000 based on the car you drive.
| Vehicle brand |
Premium |
Monthly payment |
| Honda |
$2,254 |
$188 |
| Toyota |
$2,214 |
$185 |
| Ford |
$2,019 |
$168 |
| Hyundai |
$2,096 |
$175 |
| Kia |
$1,682 |
$140 |
| GMC |
$2,236 |
$186 |
| Chevrolet |
$1,826 |
$ 152 |
| RAM |
$1,858 |
$155 |
| Dodge |
$1,858 |
$155 |
| Jeep |
$1,198 |
$100 |
| Subaru |
$1,196 |
$100 |
| Mazda |
$1,535 |
$128 |
| Nissan |
$2,186 |
$182 |
| Volkswagen |
$2,241 |
$187 |
| Mercedes |
$1,952 |
$163 |
| BMW |
$1,680 |
$140 |
| Tesla |
$2,540 |
$212 |
| Lexus |
$1,598 |
$133 |
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