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Things to Know Before Getting Sudbury Car Insurance
Here are some things to know before getting Sudbury car insurance:
- Weather conditions: Sudbury is known for its harsh winters and unpredictable weather, which can lead to hazardous driving conditions. It’s important to ensure that your car insurance policy includes coverage for weather-related damages and accidents, such as collisions on icy roads.
- Traffic congestion: While Sudbury is not a large city, traffic congestion can still be an issue during peak commuting hours. Make sure that your car insurance policy includes coverage for accidents in heavy traffic, and consider adding comprehensive coverage to protect against damage caused by other drivers.
- Theft and vandalism: Like any city, Sudbury has its share of car theft and vandalism. To protect your vehicle, make sure that your car insurance policy includes comprehensive coverage, which will cover theft, vandalism, and other non-collision damages.
- Road conditions: The roads in Sudbury can be rough, especially in the winter months. Make sure that your car insurance policy includes coverage for damages caused by potholes and other road hazards.
- Local driving laws: It’s important to familiarize yourself with local driving laws and regulations in Sudbury, including speed limits and traffic laws. Make sure that your car insurance policy includes coverage for legal fees and other expenses in case of a traffic violation or accident.
What is the Average Car Insurance Cost in Sudbury
The average cost of car insurance in Sudbury is $1,376 per year, which is lower than the average cost in many other cities in Ontario.
Here’s a table showing the average car insurance costs range for different driver profiles in Sudbury:
Please note that these are average costs and may vary based on various factors such as driving history, vehicle type, location, and insurance provider.
| Driver Profile | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| G1 Driver | $120 – $170 | $170 – $220 | $220 – $270 |
| G2 Driver | $100 – $150 | $150 – $200 | $200 – $250 |
| G | $80 – $130 | $130 – $180 | $180 – $230 |
| Teenage Driver | $200 – $300 | $270 – $370 | $340 – $440 |
| Young Driver | $130 – $180 | $180 – $230 | $270 – $320 |
| High-risk Driver | $170 – $220 | $220 – $270 | $320 – $370 |
| Occasional driver | $70 – $120 | $120 – $170 | $170 – $220 |
| Pleasure driver | $80 – $130 | $130 – $180 | $180 – $230 |
| Commuting driver | $110 – $160 | $160 – $210 | $210 – $260 |
| Good driver | $60 – $110 | $110 – $160 | $160 – $210 |
| Bad driver | $250 – $350 | $340 – $440 | $430 – $530 |
| New Driver | $150 – $200 | $200 – $250 | $290 – $340 |
| Secondary Driver | $70 – $120 | $120 – $170 | $170 – $220 |
| 17 Years Old | $220 – $320 | $290 – $390 | $360 – $460 |
| Seniors | $80 – $130 | $130 – $180 | $180 – $230 |
| Over 55 Years Old | $70 – $120 | $120 – $170 | $170 – $220 |
| Students | $115 – $165 | $165 – $215 | $215 – $265 |
| International Driver | $170 – $220 | $220 – $270 | $320 – $370 |
| Newcomers | $150 – $200 | $200 – $250 | $290 – $340 |
| Men Driver | $100 – $150 | $150 – $200 | $200 – $250 |
| Women Driver | $90 – $140 | $140 – $190 | $190 – $240 |
| Married Couples | $70 – $120 | $120 – $170 | $170 – $220 |
| Usage-Based | $100 – $150 | $150 – $200 | $200 – $250 |
| Uber/Lyft | $150 – $200 | $200 – $250 | $290 – $340 |
| Personal use | $90 – $140 | $140 – $190 | $190 – $240 |
| Business use | $115 – $165 | $165 – $215 | $215 – $265 |
| Commercial use | $170 – $220 | $220 – $270 | $320 – $370 |
Here’s a table showing the estimated monthly car insurance costs range for different types of cars in Sudbury:
| Car Type | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| Sedan | $70 – $120 | $120 – $170 | $170 – $220 |
| Convertible | $95 – $145 | $145 – $195 | $195 – $245 |
| Hatchback | $60 – $110 | $110 – $160 | $160 – $210 |
| Wagon | $75 – $125 | $125 – $175 | $175 – $225 |
| Coupe | $95 – $145 | $145 – $195 | $195 – $245 |
| SUV | $85 – $135 | $135 – $185 | $185 – $235 |
| Truck | $85 – $135 | $135 – $185 | $185 – $235 |
| Minivans | $70 – $120 | $120 – $170 | $170 – $220 |
| Van | $70 – $120 | $120 – $170 | $170 – $220 |
| Electric Car | $105 – $155 | $155 – $205 | $205 – $255 |
| Hybrid Car | $85 – $135 | $135 – $185 | $185 – $235 |
| Multi Car | $80 – $130 | $130 – $180 | $180 – $230 |
| Exotic Car | $315 – $415 | $415 – $515 | $515 – $615 |
| Luxury Car | $235 – $335 | $335 – $435 | $435 – $535 |
| Classic Car | $140 – $190 | $190 – $240 | $240 – $290 |
| Vintage Car | $140 – $190 | $190 – $240 | $240 – $290 |
| Sports Car | $165 – $215 | $215 – $265 | $265 – $315 |
| Leased cars | $105 – $155 | $155 – $205 | $205 – $255 |
| 2 Door | $95 – $145 | $145 – $195 | $195 – $245 |
Here’s a table showing the average car insurance costs range in Sudbury for a driver profile of age 35, married, based on the driving history:
| Driving History | Liability Only | Liability + Collision | Full Coverage |
|---|---|---|---|
| 1 at-fault accident | $140 – $190 | $190 – $240 | $240 – $290 |
| 2 at-fault accidents | $220 – $270 | $270 – $320 | $320 – $370 |
| 1 non-fault accident | $90 – $140 | $140 – $190 | $190 – $240 |
| DUI conviction | $315 – $415 | $415 – $515 | $515 – $615 |
| 1 speeding ticket | $80 – $130 | $130 – $180 | $180 – $230 |
| 2 speeding tickets | $130 – $180 | $180 – $230 | $230 – $280 |
How Does Sudbury’s Average Car Insurance Cost Compare to Other Cities?
Here is a list comparing Sudbury’s average car insurance cost to the average cost in other cities in Ontario:
- Toronto: $2,175
- Brampton: $2,722
- Mississauga: $2,247
- Vaughan: $1,976
- Markham: $1,663
- Hamilton: $1,695
- London: $1,468
- Kitchener: $1,487
- Sudbury: $1,376
Which Cars Have the Cheapest Car Insurance in Sudbury?
Here are a few examples of cars that may have lower car insurance rates in Sudbury, along with their average rates according to our research:
- Honda Civic: $1,165 per year
- Toyota Corolla: $1,214 per year
- Hyundai Elantra: $1,233 per year
- Mazda3: $1,276 per year
- Chevrolet Cruze: $1,275 per year
How to Get the Cheapest Car Insurance in Sudbury?
Here are some tips for getting the cheapest car insurance in Sudbury:
- Shop around: The best way to get the cheapest car insurance in Sudbury is to compare rates from multiple insurance providers. Get quotes from at least three different providers to ensure that you’re getting the best possible rates and coverage.
- Increase your deductible: Increasing your deductible (the amount you pay out of pocket in the event of a claim) can help lower your car insurance rates. Just make sure that you can afford the deductible if you need to make a claim.
- Bundle your policies: Many insurance providers offer discounts if you bundle your car insurance with other types of insurance, such as home or life insurance. Check with your provider to see if this is an option.
- Drive safely: Your driving record is one of the biggest factors that insurance providers consider when setting your rates. By driving safely and avoiding accidents and traffic violations, you can keep your rates low.
- Consider the type of car you drive: As mentioned earlier, cars with good safety ratings and low repair costs tend to have lower insurance rates. When shopping for a car, consider the cost of insurance as well as the purchase price.
- Take a defensive driving course: Some insurance providers offer discounts to drivers who take defensive driving courses. Check with your provider to see if this is an option.
By following these tips, you can help ensure that you’re getting the best possible rates and coverage for your car insurance in Sudbury.
Sudbury Car Insurance Facts
Here are some car insurance facts specific to Sudbury:
- Sudbury has a lower average car insurance rate than many other cities in Ontario. According to our research, the average cost of car insurance in Sudbury is $1,376 per year.
- The most common type of car insurance in Sudbury is liability insurance, which is mandatory in Ontario. This type of insurance covers damages you may cause to other people and their property while driving.
- Sudbury has a number of insurance providers that offer car insurance, including major national companies and local providers. It’s important to shop around and compare rates from multiple providers to find the best coverage and rates for your needs.
- The cost of car insurance in Sudbury can vary depending on a number of factors, including your driving history, age, gender, and the make and model of your car. To get an accurate estimate of your car insurance costs, it’s best to obtain quotes from multiple insurance providers.
- Sudbury has a number of independent insurance brokers who can help you find the best car insurance rates and coverage. These brokers can provide personalized service and help you navigate the often complex world of car insurance.
Top 10 List of Best Car Insurance Companies in Sudbury
Here is a list of some of the best car insurance companies in Sudbury, along with their company descriptions, reviews, and star ratings based on information available online:
- Allstate Insurance – Allstate Insurance is a popular car insurance company in Sudbury that offers a variety of coverage options for drivers. They have a reputation for being reliable and efficient when it comes to claims handling. Online reviews suggest that customers appreciate their affordable rates and knowledgeable agents. Rating: 4.4 out of 5 stars on Google Reviews.
- TD Insurance – TD Insurance is a well-known insurance provider that offers a range of car insurance policies to meet the needs of Sudbury drivers. They offer comprehensive coverage options, including liability, collision, and theft. Customers appreciate their excellent customer service and easy-to-use online platform. Rating: 4.1 out of 5 stars on Google Reviews.
- Belairdirect – Belairdirect is another popular car insurance company that offers a range of coverage options, including liability, collision, and comprehensive insurance. They are known for their competitive rates and easy-to-understand policies. Customers appreciate their helpful customer service and quick claims processing. Rating: 4.1 out of 5 stars on Google Reviews.
- State Farm Insurance – State Farm Insurance is a trusted insurance provider that offers a variety of coverage options for drivers in Sudbury. They are known for their excellent customer service and reliable claims handling. Customers appreciate their affordable rates and knowledgeable agents. Rating: 3.9 out of 5 stars on Google Reviews.
- Intact Insurance – Intact Insurance is a popular insurance company in Sudbury that offers a variety of car insurance policies, including liability, collision, and comprehensive coverage. They are known for their excellent customer service and quick claims processing. Customers appreciate their competitive rates and knowledgeable agents. Rating: 3.7 out of 5 stars on Google Reviews.
- Desjardins Insurance – Desjardins Insurance is a trusted insurance provider in Sudbury that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. They are known for their affordable rates and excellent customer service. Customers appreciate their knowledgeable agents and efficient claims processing. Rating: 3.7 out of 5 stars on Google Reviews.
- Co-operators Insurance – Co-operators Insurance is a well-established insurance provider in Sudbury that offers a variety of car insurance policies to meet the needs of drivers. They offer comprehensive coverage options, including liability, collision, and theft. Customers appreciate their personalized service and commitment to social responsibility. Rating: 3.6 out of 5 stars on Google Reviews.
- Wawanesa Insurance – Wawanesa Insurance is a well-respected insurance provider in Sudbury that offers a range of car insurance policies, including liability, collision, and comprehensive coverage. They are known for their competitive rates and efficient claims processing. Customers appreciate their helpful customer service and clear communication. Rating: 3.6 out of 5 stars on Google Reviews.
- Economical Insurance – Economical Insurance is a reputable insurance provider in Sudbury that offers a variety of car insurance policies, including liability, collision, and comprehensive coverage. They are known for their affordable rates and flexible payment options. Customers appreciate their helpful customer service and easy-to-use online platform. Rating: 3.3 out of 5 stars on Google Reviews.
- Aviva Insurance – Aviva Insurance is a well-known insurance provider in Sudbury that offers a range of car insurance policies to meet the needs of drivers. They offer comprehensive coverage options, including liability, collision, and theft. Customers appreciate their competitive rates and knowledgeable agents. Rating: 2.6 out of 5 stars on Google Reviews.
Top 10 List of Best Car Insurance Brokers in Sudbury
Here is a list of some of the best independent car insurance brokers in Sudbury, along with their company descriptions, reviews, and star ratings based on information available online:
- A.P. Reid Insurance – A.P. Reid Insurance is an independent insurance broker in Sudbury that specializes in car insurance. They have a team of knowledgeable brokers who work with a variety of insurance providers to find the best coverage options for their clients. Customers appreciate their personalized service and competitive rates. Rating: 4.7 out of 5 stars on Google Reviews.
- The Shepherd Group Insurance – The Shepherd Group Insurance is an independent insurance broker in Sudbury that offers a variety of insurance products, including car insurance. They have a team of experienced brokers who work with a wide range of insurance providers to find the best coverage options for their clients. Customers appreciate their exceptional service and attention to detail. Rating: 4.6 out of 5 stars on Google Reviews.
- Scrivens Insurance and Investment Solutions – Scrivens Insurance and Investment Solutions is an independent insurance broker in Sudbury that offers a variety of insurance products, including car insurance. They have a team of experienced brokers who work with a variety of insurance providers to find the best coverage options for their clients. Customers appreciate their personalized service and competitive rates. Rating: 4.4 out of 5 stars on Google Reviews.
- Crosbie Job Insurance – Crosbie Job Insurance is an independent insurance broker in Sudbury that specializes in car insurance. They have a team of experienced brokers who work with a wide range of insurance providers to find the best coverage options for their clients. Customers appreciate their excellent service and personalized approach. Rating: 4.2 out of 5 stars on Google Reviews.
- McDougall Insurance – McDougall Insurance is an independent insurance broker in Sudbury that offers a variety of insurance products, including car insurance. They have a team of knowledgeable brokers who work with a wide range of insurance providers to find the best coverage options for their clients. Customers appreciate their personalized service and competitive rates. Rating: 4.0 out of 5 stars on Google Reviews.
- Cambrian Insurance – Cambrian Insurance is an independent insurance broker in Sudbury that offers a range of insurance products, including car insurance. They have a team of knowledgeable brokers who work with a variety of insurance providers to find the best coverage options for their clients. Customers appreciate their excellent service and competitive rates. Rating: 3.9 out of 5 stars on Google Reviews.
- Magermans and Raes Insurance Brokers – Magermans and Raes Insurance Brokers is an independent insurance broker in Sudbury that specializes in car insurance. They have a team of experienced brokers who work with a wide range of insurance providers to find the best coverage options for their clients. Customers appreciate their personalized service and attention to detail. Rating: 3.9 out of 5 stars on Google Reviews.
- Lackner McLennan Insurance – Lackner McLennan Insurance is an independent insurance broker in Sudbury that offers a variety of insurance products, including car insurance. They have a team of experienced brokers who work with a wide range of insurance providers to find the best coverage options for their clients. Customers appreciate their knowledgeable and friendly service. Rating: 3.7 out of 5 stars on Google Reviews.
- Morison Insurance Sudbury – Morison Insurance Sudbury is an independent insurance broker that offers a variety of insurance products, including car insurance. They have a team of experienced brokers who work with a variety of insurance providers to find the best coverage options for their clients. Customers appreciate their personalized service and competitive rates. Rating: 3.7 out of 5 stars on Google Reviews.
- J.J. McGuire Insurance – J.J. McGuire Insurance is an independent insurance broker in Sudbury that specializes in car insurance. They have a team of experienced brokers who work with a wide range of insurance providers to find the best coverage options for their clients. Customers appreciate their personalized service and competitive rates. Rating: 3.4 out of 5 stars on Google Reviews.
Tips for Drivers in Sudbury
- Be prepared for winter driving: Sudbury can experience harsh winters with heavy snow and ice. Make sure your vehicle is equipped with snow tires, and carry an emergency kit with items like a blanket, flashlight, and first aid supplies in case of a breakdown or accident.
- Watch out for wildlife: Sudbury is surrounded by forests, and wildlife such as moose, deer, and bears can be a hazard on the roads. Keep a lookout for animals on the side of the road and be prepared to brake or swerve if necessary.
- Follow the speed limits: Speed limits in Sudbury are posted for a reason, and exceeding them can lead to accidents and fines. Be aware of the posted speed limit and adjust your speed accordingly, especially in residential areas or school zones.
- Use public transportation: Sudbury has a good public transportation system, with buses and trains serving many areas of the city. Using public transportation can help reduce traffic congestion and is a more sustainable option.
- Plan your route: Sudbury has several major highways and busy intersections, and traffic can be heavy at times. Plan your route ahead of time and avoid rush hour if possible to reduce your commute time and avoid delays.
- Watch out for potholes: Sudbury’s harsh winters can lead to potholes forming on the roads, which can be a hazard for drivers. Keep an eye out for potholes and slow down if necessary to avoid damage to your vehicle.
- Don’t drink and drive: Drinking and driving is illegal in Sudbury and can lead to serious consequences, including fines, license suspension, and even imprisonment. If you plan on drinking, make sure to arrange for a designated driver or use a ride-sharing service.
- Stay alert: Sudbury is a busy city with many distractions, including construction, roadwork, and other drivers. Stay alert and focused on the road to avoid accidents and ensure your safety and the safety of others.
These are just a few tips for drivers in Sudbury, but always remember to stay safe and follow the rules of the road.
What are the Most Dangerous Intersections in Sudbury?
Based on available historical data, here are some intersections in Sudbury that have had a higher number of collisions in the past:
- Lasalle Boulevard and Barry Downe Road
- The Kingsway and Barry Downe Road
- Notre Dame Avenue and Barry Downe Road
- Lasalle Boulevard and Notre Dame Avenue
- Regent Street and Paris Street
Total Reportable Collisions in Sudbury
According to the Sudbury Police Service Annual Reports, here are the total number of reportable collisions in Sudbury from 2013 to 2021:
- 2013: 2,204
- 2014: 2,171
- 2015: 2,235
- 2016: 2,284
- 2017: 2,303
- 2018: 2,279
- 2019: 2,407
- 2020: 1,834 (with a note that the lower number may be due to the COVID-19 pandemic)
- 2021: Data for 2021 is not yet available.
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
