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Sudbury Car Insurance Quotes, Companies & Brokers

Amalgamating as the City of Greater Sudbury in 2001, the settlement finally reached the stability that eluded it over the first century of its existence. The origins of the modern city date to the mid-1880s, about the time the transcontinental Canadian Pacific Railway, completed. Nickel ore was the main reason, starting a history of mining and logging that left the area wounded and in need of ecological rehabilitation by the 1970s. The changing fortunes of natural resource harvest kept the city swinging between boom and bust until economic diversity as a health and education centre took hold.

Today, the city is thriving. The largest city in the north of Ontario, the 2001 amalgamation improved the tax base. Municipal efforts to reverse ecological damage proceed with vigor, having already been recognized by the United Nations. Community-based programs have re-greened over 3,300 hectares of land, though nearly ten times that much remains.

How Much Does Car Insurance Cost in Sudbury

The average cost of car insurance in Sudbury is $1,237.

Quote DateAverage Auto Insurance Cost in Sudbury*
01-Jan-16$944
01-Jul-16$936
19-Mar-17$1,016
01-Aug-17$1,003
01-Jul-18$1,123
19-Mar-19$1,184
01-Aug-20$1,237

*Methodology: We used a sample profile for a male driver aged 30 years with his own vehicle having mandatory coverage. He drives a Honda Civic 2012 car with an average mileage of 5000 – 8000 km per year to commute to work. He has a clean driving record history of 5 years with no accidents or collisions.

We surveyed the car insurance prices in Sudbury for the purpose of illustrating the range in quotes based on driving record, location, and other criteria. To get a customized quote, enter your postal code above.

Mandatory Insurance Coverage in Ontario

As with all cars on Ontario roads, the provincial government requires basic amounts of insurance. The standard statutory policy has four parts. Third party liability insurance protects an at-fault motorist when a lawsuit arises from a motor vehicle accident. Other drivers have the right to sue for damages in the province. However, provincially mandated coverage is $200,000, an amount that’s often insufficient to cover settlements for serious accidents. Many drivers add additional liability insurance. Amounts of $500,000, $1 million and $2 million are common.

Statutory accident benefit coverage adds payments for medical and rehabilitation costs not covered by provincial health care. These amounts were adjusted in June 2016 to reduce the load on insurance companies. This reduced benefits to drivers somewhat. As with liability insurance, motorists can purchase additional coverage.

Direct compensation for property damage provides for payments from a driver’s own insurance company in the case of some accidents that are all or partially not the fault of the driver. Certain conditions must be met for this coverage to apply.

Finally, uninsured or unidentified motorist coverage applies when an accident occurs with a driver who illegally leaves the scene or does not have car insurance.

In addition to statutory insurance, products such as collision and comprehensive endorsements are often chosen for increased security. Other options can further customize policies. Many of these are company specific and may not be offered by all insurers.

Driving in Sudbury

  • The Trans-Canada Highway splits up in Eastern Ontario into north and south routes. These routes come together again south of Sudbury where Highways 17 and 69 merge. The Trans-Canada route from the east on Highway 17 swings south, below the city, as an express bypass around the central city.
  • Sudbury is the only municipality in Northern Ontario to maintain a numbered road system similar to county roads in the south.
  • Road 55, Kingsway, continues Highway 17’s western route when 17 turns south to bypass the city core.
  • Highways 17 and 69 join at an interchange with Regent St. Road 46. Regent St. meets Road 80 at the Four Corners, location of Southridge Mall. Paris St., Road 80 North, leads to downtown Sudbury, intersecting with Road 55, after Kingsway turns into Lloyd St.
  • Road 35, Elm St., connects with Highway 144, Sudbury’s north-west bypass, and proceeds north to Timmins.
  • Roads 80 and 84 access the communities of Blezard Valley, Val Therese, Valley East and Capreol to the north of the main part of Sudbury.

The List of Driving Schools in Sudbury

Road Information for Sudbury

construction project

  • The City of Greater Sudbury provides information on roads, including construction projects both planned and underway.
  • The Ministry of Transportation for Ontario provides winter road conditions for northeastern Ontario, including Sudbury, on its website during winter weather months.
  • News, weather and road information is posted daily by CBC News Sudbury Daystarter.
  • The Weather Network posts detailed short term weather reports for Sudbury and the surrounding area.
  • The local DriveTest office is located at 782 Lasalle Boulevard.

Driving Facts for Sudbury

  • At just under 2,000 km, Highway 17 is the longest highway in Ontario. It’s almost 200 km longer than Highway 11, the runner-up. The roads share a section from Nipigon to Rainy River as well as through part of North Bay.
  • Highway 69 south of Sudbury is already expanded to expressway conditions of controlled access with grade separation. When connected with sections already completed up to a point north of Parry Sound, this will become part of Highway 400.
  • With 330 large lakes within city limits, Sudbury has no grid road system of any substantial size. Grids are also interrupted by the granite of the Canadian Shield, making leveling expensive.
  • One of those lakes, Lake Wanapitei, is the largest lake in the work entirely within a city’s borders. When the city was amalgamated in 2001, it pushed another Sudbury lake, Lake Ramsey, into second place.
  • Lake Wanapitei was formed by a meteorite strike estimated to have occurred 37 million years ago. A larger and much older suspected meteor crater to the immediate east of the lake, the Sudbury Basin, is estimated at 1,849 million years old. Due to 1.8 billion years of erosion, identifying the structure as a meteor hit is inconclusive, though it is generally conceded the possibility of a hit is most likely. The structure of the Sudbury Basin led to the mineral concentrations in the area, as well as their accessibility for easy mining.
  • The mineral content of the soil in the Sudbury area provides the richest growing conditions in the north, though the shorter growing season limits agriculture to supplying local markets only. The area is not a profitable exporter of food.

The List of Insurance Brokers and Companies in Sudbury

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