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City of Kitchener


The City of Kitchener is location in Southern Ontario and sits nearly 100km west of the province’s largest city, Toronto. With its close proximity to Waterloo to the north and Cambridge to the south, Kitchener forms the Tri-Cities metropolitan area that is home to 507,096 people. This makes it the tenth largest urban area in Canada and the fourth largest in Ontario.

Many people call the area Kitchener-Waterloo because the city serves as the seat of the Regional Municipality of Waterloo.

On its own, the City of Kitchener had a population of 239,900 (estimate) at the end of 2015. One of the most interesting points about Kitchener through history is that the city was greatly influenced by Germany. Indeed, Kitchener was known as the Town of Berlin until 1912 and the City of Berlin between 1912 and 1916. However, anti-German sentiments increased after World War I and the German heritage was largely abandoned. Instead, the city was named Kitchener after British Field Marshal The 1st Earl Kitchener.

Geographically, Kitchener is notable for being the largest city within the Grand River watershed. The city has also been a leader in protecting the environment and started the first-ever “blue box” recycling program on 17 September 1981. The model has been adopted globally, sweeping through Canada and now in the United States, United Kingdom, France, and Australia.

Auto insurance in Kitchener


To understand auto insurance premiums in Kitchener, it is important to understand how the Ontario market performs against the rest of Canada and why the province is so expensive to insure a vehicle.

Firstly, it is important to know that insuring a vehicle in Ontario is not really expensive. It is something of a myth that has built up because some areas in the province are hugely expensive. For example, customers living in northern regions of Ontario are paying averages that meet national expectations.

However, Toronto and the surrounding Greater Toronto Area (the Golden Horseshoe) are very expensive for drivers to insure a vehicle. The provincial average is currently at around $1,450, but in the GTA region customers are paying anywhere from $1,700 to $2,300 on average. It is this market that drives up Ontario’s average insurance price overall.

So, where does the City of Kitchener stand in this situation? Somewhere in between is the simple answer. It is not as affordable as northern Ontario or some population centres like Barrie, but it is more affordable than the Greater Toronto Area.

Indeed, Kitchener represents a unique market because it shows the two sides of Ontario auto insurance costs. For example, the South Central and Kitchener East areas have an average price of between $1,300 and $1,600. This makes it near or above the average province cost for many motorists. However, the Northwest and North Central regions have an average price of around $1,130, which is lower than the Ontario average.

Needless to say, it is usually the case that location is a factor in how insurers calculate the price of a policy. In Kitchener, where you live is even more important.

There are other factors to consider when an insurance provider calculates your coverage:

  Driving Record: Arguably the most important factor in determining auto insurance in Barrie is your driving history. Traffic infractions such as DUIs or previous failed insurance payments will act negatively upon the cost of coverage. For example, a driver with one license suspension in the last six years will pay over $3,000 for their car insurance on average. This is more than double the average cost for the city ($1,000-$1,300).
  Policy Options:All insurers offer a basic insurance policy under Ontarian regulations. However, customers can add to their policies with added benefits and coverage. These extras can add cost to the overall price of the policy.
  How much and How far: Simply put, if you use your car regularly and drive long distances, your insurance will be more expensive on average than a driver who uses their vehicle less.

Affordable Auto Insurance in Kitchener


Because the prices for coverage vary greatly in Kitchener, shopping for auto insurance is extremely important for customers. Amazingly, studies conducted in 2016 showed that many insurance customers still avoid comparing rates when buying a policy.

Choosing the first quote offered is a sure-fire way to pay more for your coverage, sometimes hundreds of dollars more than you should. By comparing rates, it is possible to save money by finding the most affordable premiums that match the policy options you want.

This is where Shop Insurance Canada becomes a vital assistant. By using our quote tool, you can see results from over 25 of the best insurance companies in Ontario. Companies are always changing their rates, and insurers often have different prices to each other. Only by shopping around will you be able to find the most up to date price form your coverage.

The good news is the Shop Insurance Canada quote engine is easy to use and gives you results in under a minute.

We scour more than 25 of Canada’s leading insurance providers to come up with a list of quotes that offer you the very best coverage at the very best price. Our team of brokers—not agents—works for you, not an auto insurance company. We are based in the Toronto, so understand the market and the challenges of insuring a vehicle in the city.

Shop Insurance Canada can quickly provide impartial advice when it matters most. We act as an intermediary between you and the auto insurance companies to find you the lowest Toronto car insurance quote available.

Car Insurance Premium By Province


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