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Kitchener is located in southern Ontario and is part of Waterloo Municipality. It is the largest city there with an estimated diverse population of about 219,153 as per the 2011 census. Home to the famous Oktoberfest, the street design of Kitchener is different from other cities. A continental radial design of the streets is more complex. We did a survey to check how much it would cost for car insurance provided by various insurers. We also compared the quotes for major neighborhoods to know the range in pricing as per the location. The postal code of the insured is very crucial to insurance companies to calculate premiums.

Who Has the Cheapest Car Insurance Quotes in Kitchener

RankAuto Insurance CompanyAnnual Rate*
1Travelers (Dominion Product)$1,525
2Travelers (Chieftain Product)$1,596
6Desjardins Insurance$1,653
7The Cooperators$1,663
8Gore Mutual$1,728
9The Guarantee$1,888
16Wawanesa Insurance$2,469

Most Expensive Auto Insurer in Kitchener

We compared the cost of car insurance provided by some major insurance companies in Kitchener using a sample profile. The highest quote was by Echelon at an annual rate of $3155 for car insurance. This insurer provides insurance to high-risk consumers too who had been declined cover by the regular market. The difference in premiums between their quote and the lowest premium was $1630 which is almost 52%. The next highest quote was by CAA at an annual premium of $2505 which was $650 cheaper than Echelon.

Cheapest Auto Insurer in Kitchener

We did a comparison for various car insurers in Kitchener and the lowest quote was by Travelers (Dominion Product) at an annual rate of $1525. Closely, the next lower quote was by Travelers (Chieftain Product) at an annual premium of $1596.  By combining home and car insurance policies, the consumers could save up to 26% with these insurers. Insurance companies look at various factors to calculate premiums. Bundling policies could help to save a lot.

Car Insurance in Kitchener Neighborhoods

NeighborhoodsCar Insurance can be as low as
Bridgeport East$1035
Pioneer Tower West$1035
Country Hills West$1051
Laurentian West$1051
Central Frederick$1051
Mill Courtland Woodside Park$1051
King East$1051
Meinzinger Park$1051
K-W Hospital$1051
Victoria Hills$1260

Most Expensive Areas For Car Insurance in Kitchener

We surveyed some neighborhoods in Kitchener to know the range in car insurance premiums. The highest quote for car insurance was for the Victoria Hills area at an annual premium of $1260.  This area is bounded by Highland Road in the south and by Glasgow Street in the north. The east side has Belmont Avenue and the west side has Fischer-Hallman. This is mostly a residential area and has many immigrant communities living together. Victoria Hills has easy access to Highway 7 and Highway 8 through Westmount Road. The airport is hardly a 20-minute drive away from here. All these proximities have caused the traffic to increase daily and are most expensive for car insurance in Kitchener City.

Least Expensive Areas for Kitchener Car Insurance

The lowest insurance quote as per the survey was for Bloomingdale at an annual car insurance premium of $1035. The same quote was calculated for the areas of Breslau, Bridgeport East, and Pioneer Tower West. These areas are closely located to each other and the postal codes have a similar calculation for car insurance rates.

Road Safety & Tips For Driving In Kitchener

road safety

The city of Kitchener has initiated many projects to improve road safety to tackle the growing traffic on its roads spanning about 550 km. There are construction projects underway to take care of repairs and pavement of roads. There is a master plan created to see the city with better transportation by 2031. The following strategies have been included in this master plan and are expected to be completed in 20 years.

  • Rosenberg Secondary and southwest urban area community plan
  • Finalizing a plan for transportation demand
  • Implementing a cycling master plan
  • Trails and pathways master plan
  • Pedestrian Charter
  • Strategic plan for Parks in community living
  • Long-term Parking facilities

Traffic Calming Measures Taken By City Of Kitchener


The city has proposed and implemented some plans to reduce the speed of road traffic for the better safety of all road users. The City has taken many measures for traffic calming on Kitchener roads, sidewalks, and curbside.

  • Chicane: This is a type of curb extension that narrows the roads and causes the drivers to steer from one side to another.
  • Curb Extension: This design narrows down a roadway as the curb cuts the road partially.
  • Curb Radius: The corner of intersections will be reconstructed to reduce the radius to a range between 3m to 5m.
  • Closure of Direction: The curb will be extended to close traffic in one direction.
  • Diverter: There will be an interception to the straight line of traffic for reducing speeds.
  • Full Closure:  A barrier will be created to interrupt the road traffic and stop movements on the roads.
  • Channelization of Intersection: Elevating an intersection with islands to reduce traffic speed.

Top Collision Prone Intersections

Kitchener city comes under the Region of Waterloo municipality. Some of the major intersections in Kitchener city had a high number of collisions as mentioned below. The below 4 were most prone to collisions as per the Region of Waterloo 2013 report.

  1. Homer Watson Boulevard and Ottawa Street South in Kitchener
  2. Manitou Drive or Doon Village and Homer Watson Boulevard in Kitchener
  3. Fischer-Hallman Road and Ottawa Street in Kitchener
  4. Westmount Road and Ottawa Street in Kitchener

Region Of Waterloo Police Initiatives


The Waterloo Regional Police has taken many initiatives to combat aggressive behavior on the roads. They are responsible for the monitoring, enforcement, and investigation of road safety issues in Kitchener City too. Some of these initiatives include the following.

  • Campaigns to create more awareness
  • Projects with special goals for road safety education
  • Investigation of all collisions resulting in fatal and serious injuries
  • Follow up with the investigation of collisions where the parties fail to remain at the collision spot.
Motor Vehicle Collisions20152014%change
Fatal Collisions14140%
Personal Injury Collisions18361880-2%
Hit & Run Collisions79378534-7%
Total Collisions115991917-6%

The above chart shows a comparison of collisions due to motor vehicles from 2014 to 2015 as per the annual report prepared by Waterloo Police. There has been an overall decrease of 6% in the total number of collisions. Fatal collisions data is stable but hit and run incidents have also decreased by about 7%.

* Methodology

For the survey, we assumed that the auto insurance premiums are for a 35-year-old man who owns his car Honda Civic model 2012. The credit rating is good and he has basic liability coverage. The annual mileage ranges from 5,000 to 8,000 with no traffic tickets in the last 5 years.

Insurance quotes shown here are examples only. The lowest cost insurance provider depends on numerous factors related to the car, driver, location, and driving conditions. There’s no guarantee that the lowest rate provider in these examples produces the lowest rate for every driver.


About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.