Regal Insurance Brokers is proud to be a member of the Greater Kitchener Waterloo Chamber of Commerce.
Connect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
Fill out this short form and get your free, no-obligation insurance quote today!
From daily commutes along the Conestoga Parkway to weekend drives through Waterloo Region, Regal Insurance helps Kitchener drivers stay protected on the road. Whether you’re a new driver, a family with multiple vehicles, or simply looking to save on your renewal, our brokers make it easy to compare options, understand your coverage, and lock in a policy that fits your needs and budget.
Our Kitchener brokers help you unlock discounts, from safe-driver and multi-vehicle savings to home and auto bundles, so you get the coverage you need at a price that makes sense. With local expertise, we know the risks Kitchener drivers face every day—from busy commutes to winter road conditions—and tailor coverage to match.
Managing your car insurance shouldn’t be a hassle. At Regal, you can get a quote, adjust your coverage, and renew your policy online anytime—or connect with a local Kitchener broker when you’d rather talk it through.
We partner with Canada’s top auto insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
In Kitchener, auto insurance isn’t optional—it’s the law. But understanding exactly what your policy includes can give you peace of mind when the unexpected happens. Whether you’re commuting along the Conestoga Parkway, driving through downtown, or heading out toward Highway 401, the right coverage makes sure you’re protected wherever the road takes you.
Our Kitchener team takes the time to sit down with you, listen to your needs, and explain your options in plain language. Whether you’re insuring your first car, protecting a growing business, or planning for the future, we’ll build a policy around you, not the other way around.
Provides compensation if you’re injured in a car accident, regardless of who was at fault. This includes coverage for medical treatment, rehabilitation, income replacement, attendant care, and other benefits related to recovery. You can customize or increase these benefits based on your needs.
DCPD Covers damage to your vehicle and its contents when another driver is at fault, provided the accident occurs in Ontario and the other driver is insured. Rather than going through the other person’s insurer, you deal directly with your own, which simplifies the claims process.
Protects you if you’re involved in a hit-and-run or a collision with an uninsured driver. It provides coverage for injuries to you or your passengers, and may also cover damage to your vehicle caused by an uninsured motorist.
Covers the cost of repairing or replacing your own car if you’re involved in a collision, whether you’re at fault or not. This includes accidents with other vehicles or objects like guardrails, poles, or curbs.
Protects your vehicle from non-collision-related damage, such as theft, vandalism, fire, falling objects, or severe weather events (like hail or flooding). If something unexpected happens when you’re not driving, this is the coverage that steps in.
Covers the cost of a rental car or alternative transportation if your vehicle is being repaired due to a covered claim (like collision or comprehensive damage). This keeps you mobile while your car is in the shop.
Provides help if you’re stranded on the road. Depending on the insurer, this can include towing, battery boosts, flat tire changes, lockout assistance, and fuel delivery. It’s a convenient add-on that gives peace of mind during unexpected breakdowns.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.
Regal Insurance is your independent Ontario auto broker, focused on people, not platforms. We’re not just another insurance comparison site. Our licensed brokers work for you, not the insurers, delivering smarter guidance and better rates.
A Regal Insurance Broker will help you compare quotes from trusted Canadian providers, avoid unnecessary coverage and save money on your premiums. Speak with real experts who understand Ontario roads
From quote to claim, Regal is with you every step of the way, whether online, by phone, or in person.
Proudly serving drivers across Ontario—from Kitchener and London to Mount Brydges, Cambridge, and Oakville—we’re committed to helping you drive protected.
Regal Insurance makes it simple to get reliable coverage no matter where you live. With local expertise and digital convenience, our brokers are here to support drivers across every community we serve.
Car insurance rates in Kitchener depend on several factors, including your driving history, the type of vehicle you own, and how often you use it. Location matters too, since living near major routes like the Conestoga Parkway or Highway 401 can influence premiums. On average, Kitchener drivers can expect to pay rates that are close to the Ontario provincial average, but Regal Insurance helps lower costs by comparing quotes from Canada’s top insurers to find the right fit for your budget.
Yes. Many Kitchener residents save by bundling their home and auto insurance with the same provider. Bundling not only helps lower your overall premium, but it also simplifies your insurance with one point of contact for multiple policies. Whether you own a house in Forest Heights or a condo downtown, Regal Insurance brokers will find bundle-and-save options that match your lifestyle.
There are a variety of discounts available to help Kitchener drivers save on auto insurance. Common examples include safe driver discounts for those with clean records, multi-vehicle discounts for households with more than one car, and loyalty discounts for staying with the same provider. Some insurers also offer savings for using winter tires, installing approved security devices, or bundling policies. Regal Insurance brokers will review all available discounts to ensure you are getting the maximum savings.
Yes, your commute plays a role in how much you pay for auto insurance. If you regularly drive on the Conestoga Parkway, Highway 401, or into neighbouring Waterloo and Cambridge, your annual mileage and time on busy roads can affect premiums. Insurers consider both distance and exposure to traffic when calculating risk. Regal brokers help Kitchener drivers find coverage that reflects their driving habits while still keeping rates affordable.
Switching your car insurance to Regal is simple. Start by getting a free quote online or over the phone, and our brokers will compare rates from Canada’s leading insurers. If you choose to make the switch, Regal will help with the transition, including cancelling your old policy and setting up your new one so you do not have a gap in coverage. Many Kitchener drivers make the switch at renewal time, but it is possible to change providers mid-policy if it saves you money.
No. Whether you connect with our team in Kitchener, or any of our other offices, Regal Insurance is an independent brokerage that works with many of Canada’s top insurers. This independence means we are not tied to one provider. Instead, our brokers compare multiple options to give you the best possible rate and coverage. Kitchener drivers benefit from the same wide range of choice as clients across all of our locations.
Buying car insurance online can seem fast, but working with a local Kitchener broker gives you both convenience and expert advice. With Regal, you can start the process online, by phone, or in person, and our brokers will walk you through the details so you fully understand your coverage. Having a local expert means you get the benefit of personal service along with access to competitive rates from Canada’s top insurers. Many Kitchener drivers appreciate knowing they have a trusted advisor nearby when questions or claims arise.
Yes, beyond the purchase price, owning a car in 2025 comes with many hidden costs—including depreciation, financing interest, insurance, maintenance and repairs, subscriptions, parking, tolls,...
Tariffs don’t directly raise your auto insurance premiums, but they do make car repairs more expensive—and higher repair bills often translate into higher insurance rates....
Yes, studies show that keyless cars are more likely to be stolen in Ontario due to “relay attacks,” where thieves amplify your fob’s signal to...
