Auto Insurance in Kitchener


We’ve Got You Covered


Kitchener Auto Insurance with Oracle RMS


If you reside in Kitchener and own a registered vehicle, it is important to have car insurance. Driving without car insurance in Kitchener is a very serious offence; you can be fined for a first conviction of a minimum of $5,000.00.

Located in southern Ontario, the City of Kitchener is home to a population of 233,222 people. The population of Kitchener is growing 1.5% per year for the past 15 years. Kitchener is surrounded by a variety of highways including Highway 85 in the north part and highway 401 in the southern part of the city. Highways and roads in the city centre are always busy during rush hour.

With that being said, it is important for Kitchener drivers to assure they have the right car insurance for their vehicles since the main routes for drivers are to take these main highways.

In Kitchener Ontario, when you purchase Car Insurance with Oracle RMS, you are insuring your vehicle, all listed drivers, and any loss or damages resulting from a car accident.



By partnering with Oracle RMS, we provide excellent customer service and work hard to get you some of the lowest rates car insurance in Kitchener that best suit your unique needs. We are determined to give you an appropriate solution for the best car insurance rates and coverage for any type of driving record. We are proud to be partnered with a wide range of insurance companies who can provide a variety of car insurance quotes for all Kitchener residents.

At Oracle RMS, you will work along with one of our licensed brokers to help guide you through the quoting process. They will make sure you understand all the insurance jargon and information up to the last detail of your auto policy before you’ve made the final decision.

Kitchener Car Insurance Coverage

Auto insurance will protect and provide coverage for your vehicle(s), all listed drivers and any loss or damages. In Ontario, it is required to include and purchase the following automobile insurance coverage below:

Third Party Liability Coverage:

This section of a car insurance policy will provide coverage to protect the insured if a third-party has been injured or have succumbed to their injuries, or their property is damaged. It will compensate for claims in the event of a lawsuit against the insured up to the limit of their coverage. It will also compensate for the cost of settling a claim.

Uninsured Automobile Coverage:

This coverage will protect the insured and their family, should they be injured or killed by a hit-and-run driver or by an uninsured motorist. It will also provide coverage to the insured’s vehicle caused by an identified uninsured driver.

Direct Compensation – Property Damage (DC-PD) Coverage:

This section of a car insurance policy covers damage to the insured’s vehicle and its contents and for loss of use of their vehicle or its contents in the case of an accident, for which the insured was not responsible for. Since it was another individual who caused damage, the insured will collect direct compensation from their insurer.

Statutory Accident Benefits Coverage

This will provide the insured with benefits if they are injured in an auto accident, regardless of who caused the accident. This includes medical, rehabilitation and attendant care benefits and income replacement benefits.

Whether customers are shopping for car insurance, are informed about their upcoming auto policy renewal or are looking to save money on their current policy, overall, it is important to be informed about car insurance and how a policy works.

The Right Coverage For You

At The Best Price

Driving Statistics in Kitchener Ontario


Overall, there are a total of 91,175 drivers in Kitchener. 49, 275 of those Kitchener drivers are male, while the remaining 41,905 of Kitchener drivers are female. In addition, there are a total of 7,905 Kitchener passengers who are carpooling every day with other drivers.

With that being said, other forms of transportation for Kitchener residents are public transit with a total of 8,370 bus commuters, while 4,855 residents choose to walk to their workplace, leaving 1,185 residents to ride their bike. Meanwhile, another 730 Kitchener residents find other methods of transportation.

Majority of commuters in the City of Kitchener leave their homes to get to work from 7:00 AM to 7:59 AM, therefore the roads are at their busiest within that time frame. The second busiest time for commuters to leave their homes to head to work is from 8:00 AM to 8:59 AM, which is 22.19%. However, 885 commuters would still prefer to leave to get to work between 12:00 AM to 4:59 AM.

Driving Facts in Kitchener Ontario


North Hamilton has many two-way streets and is a busy area of the city. South Hamilton has many more one-way streets which is an important fact to know about navigating the city.

The main college in Kitchener is Conestoga College. Many students use Homer Watson Boulevard to beat morning rush hour on the 401.

The two longest streets in Kitchener are King Street and Weber Street. Knowing whether you’re visiting the north or south end of the streets could save you lots of time.

Getting insured is quick and easy!

Auto insurance is what you need, request a free car insurance quote now. Takes less than two minutes!

Words From Our Customers

“I’ve used Oracle RMS for my insurance for years and years. Very knowledgeable and helpful. Chris Masucci gave me honest advice about my insurance options and helped me choose the best coverage for my needs. He is friendly and super responsive if I have any questions. Would recommend!”

Lauren Chee-Hing,
google Review

“I purchased my first car a year and a half ago and called Oracle for car insurance quotes. They have excellent customer service – in particular, Chris was very helpful in getting me the best auto insurance rates. He is extremely prompt at answering any questions I have about my policy and about anything insurance related! I highly recommend this brokerage.”

Andrea Lee,
google Review

We Got you Covered