How much is car insurance in Sudbury?
According to our data, the average price of car insurance in Sudbury is higher than what the Insurance Bureau of Canada states is the Ontario average ($1,505).
If you’re trying to estimate your Sudbury car insurance costs, we recommend applying for quotes instead of looking at average prices.
Since averages include outliers — drivers who spend very little on car insurance and drivers who spend a lot — there’s a good chance that you’ll pay less than the Sudbury or Ontario average. This is especially true if you have a strong driving and insurance history.
Plus, the average auto insurance policy isn’t representative of the kind of coverage you might need. You may want more insurance coverage (accident benefits, for example) and this will affect the price of your premium.
During the quoting process, you’ll be asked about your unique driving habits and history, and will also ask you what kind of coverage you think you need, which will provide a more accurate picture of what your Sudbury car insurance costs will be.
Similarly, car insurance calculators for Sudbury don’t provide accurate estimates, either. Calculators don’t require enough detail about your driving and insurance profile.
Car insurance is too personalized a product to rely on imprecise calculations to guide your decision. The best way to estimate your costs is to apply for quotes.
Which Sudbury postal code has the highest average premiums?
The Sudbury postal code with the highest average car insurance premium is the P3C region, located just west of the city’s downtown, according to LowestRates.ca data. This zone encompasses the neighbourhoods of Gatchell, Little Britain, the Donovan, Flour Mill and Cambrian Heights.
Which Sudbury postal code has the lowest average premiums?
According to LowestRates.ca data, the Sudbury postal code with the lowest average car insurance premium is the P3B region. This area encompasses the neighbourhoods of Algo, Brodie, Minnow Lake, and Adamsdale.
How do Sudbury car insurance rates compare to other cities in Ontario?
Sudbury’s average car insurance rate is slightly higher than the averages in surrounding communities, according to our data. We benchmarked the premiums for the following cities to Sudbury’s average premium.
- Timmins: 8% lower
- North Bay: 9% lower
- Sault Ste.St. Marie: 11% lower
- Elliot Lake: 15% lower
Where do I get the cheapest car insurance quotes in Sudbury?
There isn’t one car insurance company that offers cheap auto insurance quotes to every Sudbury driver that applies for a policy.
Car insurance premiums are highly customized products, tailored to your driving history.
If finding cheaper auto insurance rates in Sudbury is your goal, we recommend focusing on de-risking yourself by being a safe driver. But, finding the cheapest auto insurance quotes in Sudbury requires one more thing.
The next step is to compare car insurance quotes in advance of your policy renewal date. Different car insurance companies offer different rates. We can help you find a car insurance company serving Sudbury that can offer you a lower rate.
Car insurance rates for Sudbury seniors
Adults between the ages of 50 and 70 pay some of the lowest car insurance rates in Sudbury. After age 70, you might see your rate begin to increase. If this happens to you, it may be time to shop around for new automobile insurance in Sudbury.
Car insurance rates for Sudbury students
Car insurance for new drivers in Sudbury is expensive, due to new drivers lacking a driving track record. Here are some strategies new drivers can try right now to trim the price of your car insurance rates in Sudbury:
- Get on your parents’ insurance instead of getting your own policy.
- Apply for discounts; students who maintain a good GPA receive car insurance discounts.
- Complete a driver’s education course and share the news with your insurance company.
It can be challenging for new drivers to find cheap car insurance in Sudbury. However, we’ve found that the demographic that finds the most savings on LowestRates.ca are young drivers — the more you’re expected to pay, the more dramatic the savings you can find when you compare Sudbury car insurance quotes.
Sudbury car insurance rates for new immigrants
If you’ve recently immigrated to Ontario, you must trade in your licence from the country you’ve emigrated from within 60 days for an Ontario driver’s license.
The provincial government recognizes licences from several countries as equivalent to an Ontario license, which will spare you from going through Ontario’s graduated licencing system.
Ask your old insurance company to provide a reference to your new Ontario insurer. If you can prove that you have a history of being insured, it will reduce your car insurance costs.
Sudbury car insurance rates for high-risk drivers
It’s very hard to find cheap car insurance in Sudbury as a high-risk driver but there are insurance companies that cater to high-risk drivers. Failing that, you can purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.
Other tips on how to save on car insurance in Sudbury
- Buy snow tires. Most insurance companies offer discounts for doing so. Harsh winters and tons of snow make snow tires a must for safe driving in Sudbury.
- Join a telematics program. Sudbury roadways are less crowded than ones in Southern Ontario, so there’s ample temptation to speed. A telematics program can prevent you from developing bad driving habits. By joining a telematics program, you give your insurance company permission to monitor the quality of your driving via a smartphone app. The reward for practicing defensive driving is a reduction in your car insurance premium at renewal.
- Sudbury drivers have to contend with snow, fog, and wildlife on the road — all of which increase the risk of car accidents. Keeping your car insurance history claims and accidents-free will help your car insurance rates shrink over time.
