Kitchener Car Insurance

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Kitchener Car Insurance

For over thirty years, Humberview Insurance Brokers has been assisting residents of Kitchener, Ontario, and the surrounding areas with their Kitchener car insurance needs. If you're in the market for an affordable Kitchener car insurance quote, our primary goal isn't just to offer you cost-effective car insurance. We also want to introduce you to one of our licensed Insurance Brokers. They are wholly committed to helping you secure a policy, providing expert advice, and assisting you should you ever need to file a claim.

From the moment you request a car insurance quote, our dedication is evident and remains steadfast as you utilize your coverage throughout the years.

Standard Car Insurance in Kitchener, Ontario


Liability portion of your car insurance policy provides protection against damage you cause to other people or their property

Direct Compensation Property Damage

Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage). As of January 1 2024, there is an option to opt out of this coverage.

Uninsured Automobile Coverage

Protects you if you are hit by an uninsured motorist or by a hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.

Accident Benefits

Provides compensation if you or others are hurt or killed in a car accident.

Extra Coverages for your Kitchener Car Insurance to Take You Those Extra Km’s

Collision Coverage

Covers your damage to your car as a result of hitting an object or another car

Comprehensive Coverage

Covers some insured damages such as falling objects, theft and fire.

All Perils Coverage

Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.

Accident Forgiveness Coverage

Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.

Depreciation Waiver Coverage

Gives you the purchase price of the vehicle in the event of a total loss.

Rental Vehicle Coverage

Provides you with a rental vehicle to a specified limit after an insured loss.

How Kitchener Car Insurance Rates Determined


The Car you Drive

Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.


How you Drive

Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.


The Area in Which You Live

The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.


Driver Profile

Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..


All the Coverages You Choose

Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.


Discounts You Qualify for

A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.

Ways you Can Save to Get Cheap Kitchener Car Insurance


Add your house policy to get a multi-line discount..

Insure two or more vehicles

Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.

Shop Around

In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.

Increase deductibles

Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.

Pay Yearly

Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.

Install winter tires

Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.

Take a Drivers Training course

If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.

Consider Renewing

Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.

Tips for Driving in Kitchener

Beware of Construction Zones

With ongoing development, always be alert for construction areas and follow posted speed limits.

Respect Speed Limits

Ensure safety by adhering to the posted speed limits throughout the city.

Monitor Weather Conditions

Kitchener can experience varied weather, from snowy winters to rainy summers. It's essential to check the forecast before driving.

Why Humberview?

  • You Get One Dedicated Broker

    We are not a call center, you will have the same broker for your policy.

  • In Business Since 1982

    We are an independent broker located in Toronto since 1982

  • Quotes from Top Insurers

    We represent some of Canada's best insurance companies.

  • No phone prompts when you call us

    Speak to a human, right away.

Did you Know About Kitchener?

Kitchener, Ontario, known for its rich industrial history and thriving tech sector, stands as a central figure in the Waterloo Region. Today, its blend of historic charm and modern innovation offers a dynamic driving environment. This diverse setting highlights the importance of having dependable Kitchener car insurance, ensuring drivers remain protected as they traverse the city's diverse roads.

Some of the busiest streets and roads in Kitchener include

King Street

This central road traverses through Downtown Kitchener, lined with businesses, restaurants, and cultural spots.

Weber Street

A major north-south route connecting various parts of the city.

Victoria Street

Linking Kitchener to Waterloo, this street sees significant daily traffic.

Ottawa Street

An important road that spans across residential and commercial zones.

Highland Road

A bustling area especially around shopping centers.

Conestoga Parkway

Kitchener's main expressway connecting to other major highways.

Notable neighborhoods and areas in Kitchener

Downtown Kitchener

Known for its mix of old-world charm and modern amenities, including the Kitchener Market

Stanley Park

A bustling residential area with schools, parks, and shopping facilities.

Forest Hill

A well-established neighborhood with a blend of homes and parks.


A mix of older homes and newer developments.


Located in the southern part of Kitchener, known for its proximity to Conestoga College.

Kitchener Car Insurance FAQ

Kitchener Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Kitchener

  • Drivers in Kitchener with stellar driving histories have an excellent opportunity to find rates that reflect their impeccable records.
  • At Humberview Insurance Brokers, our commitment is twofold.
  • We aim to deliver affordable Kitchener car insurance solutions, and we're passionate about connecting you with our skilled, licensed Insurance Brokers.
  • They will be invaluable in helping you choose the perfect policy and will be a cornerstone of support, especially when navigating claims.

Kitchener Commercial Auto Insurance

  • For over three decades, Humberview Insurance Brokers has been a leading choice for Commercial Auto Insurance in Kitchener.
  • Whether you're in the tech industry, retail, or any other sector that requires vehicular use, we've got you covered.
  • Our professionals craft policies tailored to your specific needs, ensuring you receive the most comprehensive coverage.
  • Rely on us to provide the premier Commercial Auto Insurance solution in Kitchener.

Kitchener High Risk Car Insurance

  • Occasionally, drivers in Kitchener might need high-risk car insurance.
  • This designation is for those perceived as a higher risk by insurance providers due to past incidents or other factors.
  • Common reasons might include a history of DUI, multiple traffic infractions, being at fault in several accidents, or an insurance coverage lapse.
  • WiWith such a policy, individuals can progressively rebuild a positive driving record while maintaining crucial coverage on the roads.

Ready for A Quote on Kitchener Car Insurance Insurance ?

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