Moving to a new country comes with a to-do list that’s longer than your carry-on allowance—and near the top of that list is buying a car. If you're new to Canada and trying to figure out how car buying works here, you're not alone. Whether you're commuting to work, dropping off the kids, or planning your first road trip, having your own ride makes life easier (and more fun). This guide breaks it all down—no fluff, no confusion—just real answers to help you drive away with confidence.
The process might feel overwhelming, but here’s the good news: it’s doable. First, figure out your needs—do you want something compact for city drives or an SUV for weekend getaways? Kia vehicles are a solid choice for newcomers because of their reliability, modern tech, and reasonable price points. A brand-new Kia starts around $22,000*, while certified pre-owned options are more budget-friendly. Once you’ve nailed down your budget, get pre-approved for financing. Many dealerships have special programs for newcomers, even if you haven’t built up your credit yet. From there, you can book test drives, compare models, and finalize the paperwork.
Before you hit the road, you’ll need insurance—it’s non-negotiable in Canada. Coverage types vary by province, but at a minimum, you'll need liability insurance. Many insurance providers offer newcomer programs that don’t require a long Canadian driving history. Rates depend on your vehicle, location, and driving background, but you can expect to pay around $150*–$250* per month for basic coverage.
Pro tip: Get quotes from at least three providers before committing. You’ll thank yourself later.
If you already hold a licence from your home country, you might be eligible to exchange it for a Canadian licence—no full retesting needed. This depends on the province and your country of origin. In other cases, you may need to take a knowledge test, a vision test, and possibly a road test. The cost typically ranges from $85*–$150*, depending on where you live. Once you've got that little piece of plastic in hand, you're one giant step closer to car ownership.
Buying new is tempting—you get that factory-fresh smell, warranty peace of mind, and zero wear and tear. Kia’s new models offer advanced safety features, fuel efficiency, and sleek designs that appeal to modern drivers. But used cars are easier on the wallet and depreciate slower. A five-year-old vehicle often costs 30–40% less than a brand-new one. If you're looking for value and don't mind a few kilometres on the odometer, certified pre-owned might be the sweet spot.
If you don’t have a local credit history yet, you might be wondering if it will affect your chances. Breathe easy—many dealerships, including Kia-certified ones, have financing options designed for newcomers. You might need a larger down payment (around 10–20%), proof of employment, and a valid work or study permit. Monthly payments will vary, but on a $25,000* vehicle, you're likely looking at around $400*–$500*/month depending on term length and interest rate.
Don’t forget: Financing your car is also a great way to start building credit in Canada.
You’ve already made a big move—buying a car is just the next step toward settling into your new life. With the right tools and a little guidance, the process is smoother than you think. Whether you go for a brand-new Kia or a reliable pre-owned model, the open road is calling. And now, you're ready to answer.
*All pricing is based on Ontario MSRP and does not include taxes and fees. Dealer pricing may differ. Prices are subject to change at any time without notice.