Car Insurance in Kingston Ontario


car insurance kingston ontario

Car Insurance Kingston Ontario

As one of the leading insurance brokers in Kingston, Ontario, Levitt Insurance Brokers Ltd. is committed to providing you with comprehensive coverage and exceptional service that meets your unique needs.

We understand that buying car insurance can be daunting, but with our team of experienced insurance brokers, you can rest assured that you will be guided through the process every step of the way. Our mission is to help you find the right insurance policy that fits your budget and provides you with the protection you need, whether you are a new or experienced driver.

Frequently Asked Questions

In order to insure a car in Kingston, Ontario, certain requirements must be met. You may need to present the following:


  • A valid driver’s license
  • Vehicle registration
  • Current insurance coverage
  • Proof of insurance
  • Vehicle information
  • Driving record

Car insurance rates in Kingston, Ontario, vary depending on age, driving experience, the vehicle’s make and model, your driving record, location, and the level of coverage chosen. On average, car insurance costs between $1,500 to $2,000 per year in Kingston. However, rates may differ based on individual circumstances. It is best to consult an insurance broker or advisor for an accurate insurance quote.

Driving without insurance in Ontario can result in fines, license suspension, and jail time. The duration that it stays on your record depends on the severity of the offence, ranging from three years for a conviction to six years for an accident. Having proper insurance coverage before driving is crucial to avoid serious consequences.

The time it takes to insure a car in Kingston, Ontario, varies based on several factors. It’s advisable to begin the process a few weeks before driving the car. Getting coverage on the same day is possible when purchasing a new car, but switching providers or needing comprehensive coverage may take a few days. An insurance broker can provide a more specific timeline.

There are three main types of auto insurance coverage in Kingston, Ontario:

Liability Insurance

This coverage is mandatory in Ontario and covers damages and injuries you may cause to others in an accident. It includes coverage for bodily injury and property damage liability.

Collision Insurance

This coverage pays for damages to your own vehicle if you are involved in a collision and are at fault.

Comprehensive Insurance

This coverage protects you against damages to your car that aren’t caused by a collision, such as theft, vandalism, or natural disasters.


While liability insurance is the only mandatory coverage in Kingston, it may not be enough to fully protect you in the event of an accident. Collision and comprehensive insurance can provide additional protection for your own vehicle and can be added to your policy for an additional cost.

Driving without insurance in Kingston, Ontario can result in penalties such as:


  • Fines up to $5,000
  • License suspension for up to one year
  • Vehicle impoundment for up to three months
  • Increased insurance rates
  • Personal responsibility for damages
  • Possible criminal charges with jail time. 


It is important to note that even if you are driving a vehicle insured by someone else, you can still be charged for driving without insurance if you do not have your own insurance coverage. 

logo-aviva-insurance-partners logo-rsa logo-intact logo-travelers logo-chieftain logo-chubb logo-economicalinsurance logo-echeloninsurance