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Sault Ste. Marie was once a single city until a treaty after the War of 1812 set the Canada-United States border through St. Mary’s River, the connector between Lakes Superior and Huron. Today the Canadian city dwarfs its American counterpart. With a population near 80,000, the northern version of “the Soo” is five times the size of its southern neighbor.

How Much Does Car Insurance Cost in Sault Ste. Marie

The average cost of car insurance in Sault Ste. Marie is $1,157.

Quote DateAverage Auto Insurance Cost in Sault Ste. Marie*

*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 the city of Sault Ste. Marie 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.

Affordable Car Insurance in Sault Ste. Marie Ontario

As with the rest of Ontario, all vehicles driving in Sault Ste. Marie requires statutory auto insurance coverage. Without this minimum level of insurance, owners and drivers could be fined up to $50,000. The chief concern of statutory coverage involves the protection of third parties when a driver is at fault in an accident. Ontario retains the right for accident victims to sue for damages as well as loss. The province’s minimum coverage includes a provision for $200,000 of liability insurance as well as accident benefits and other protection.

This liability amount hasn’t kept pace with rising settlement costs in serious accidents. For some time now, it’s been a popular option for motorists to increase the liability portion to $500,000 or beyond. The additional amount of coverage usually doesn’t add much to the overall cost of an auto policy. Since an under-insured driver is responsible for settlement amounts in excess of insurance coverage, it’s much more affordable to spring for liability insurance extensions.

Collision and Comprehensive Insurance

Statutory auto insurance coverage has few provisions for the repair or replacement of the vehicle itself. There are certain circumstances where damage from an accident is covered by insurance, but generally, if a driver is at fault, there is none. Most motorists expect car insurance to fix or replace their vehicle in the event of an accident, so, to be covered in the greatest number of cases, optional insurance closes the gaps.

Collision coverage assists the driver in paying for repairs after an accident. In most cases, the driver pays a portion, called a deductible, before the insurance company contributes. Motorists adjust the cost of premiums by raising or lowering the deductible amount. Absorbing more costs after an accident means lower rates on insurance. Low deductibles, on the other hand, increase premiums.

Comprehensive insurance guards against non-collision damage, such as vandalism and theft. Deductibles work in the same way for comprehensive coverage. All perils insurance refers to a type of endorsement that includes aspects of both collision and comprehensive coverage.

Car Insurance Options and Discounts

Drivers customize insurance policies by adding optional endorsements, also called riders. Each insurance company has a range of offerings. Although not all companies offer the same options, there are many available that are almost universal, such as non-owned vehicle coverage. This extends a driver’s policy to other cars they drive, but do not own, such as rental vehicles. The additional cost of an insurance policy is usually much more affordable than the damage waivers offered by rental agencies.

Discounts save drivers money. As with options, the discounts available vary by company. Common discounts include multiple policy price breaks when a person carries home and car insurance with one insurer. New drivers receive discounts for the successful completion of recognized training programs with some companies. Others offer discounts for loyal clients, who have insured with the same company for a certain period of time.

One thing most insurers have in common is that they do not apply discounts automatically. The motorist must ask for the application of discounts. While working with a good broker may limit the implications, drivers doing their own leg-work should inquire about discounts and qualifications regularly to obtain the best policy pricing.

Driving in Sault Ste. Marie Ontario

Truck Driving

  • Traffic through the city via Highway 17 stays north and east of the city center. The Highway 17 bypass takes Black Road north and south and Second Line east and west. The highway follows Great Northern Road north out of the city.
  • Highway 17 is designated the Trans Canada Highway through the Soo.
  • The Sault Ste. Marie International Bridge emerges at the corner of Queen and Huron Streets.
  • Truck traffic from the Bridge now uses Carmen’s Way, a bypass that connects with Second Line in the north. This routes traffic heading for the Trans Canada Highway away from the central parts of the city.

Road Information for Sault Ste. Marie Ontario

  • You can find short and long-term weather forecasts for Sault Ste. Marie and area at The Weather Network.
  • Local website Soo passes on local road closures from the Ontario Provincial Police.
  • The Ministry of Transportation for Ontario posts interactive maps providing traveler information for the province. This includes a north-central region as well as including the Soo.

Driving Facts for Sault Ste. Marie Ontario

  • Highway 17 has plans in the works to extend from its 4-lane divided section east of the city directly to Second Line, avoiding the southern turn that connects with Trunk Road and Black Road.
  • The International Bridge connects with Interstate 75 in Michigan. This highway runs south uninterrupted to its terminus just north of Miami, Florida.
  • Hotspots for congestion include Queen, Bay, and McNabb Streets within the city. Delays crossing into the U.S. via the International Bridge are also common.

List of Auto Insurance Companies, Agents, and Brokers in Sault Ste. Marie

NameStreetCityRegionPostal CodePhone
Algoma Insurance Brokers Ltd855 Queen St ESault Ste MarieONP6A 2B37059496555
Allstate Insurance Company of Canada6-683 Great Northern RdSault Ste MarieONP6B 5A17059101690
Youngs Insurance Brokers3 Queen StSault Ste MarieONP6A 1Y47057591184
Canada Brokerlink Inc219 Great Northern RdSault Ste MarieONP6B 4Z27052531960
John Palmerio234 Queen St ESault Ste MarieONP6A 1Y77059494140
Dawson201-432 Great Northern RdSault Ste MarieONP6B 4Z97059493740
Cambrian Insurance Brokers Ltd412 Albert St ESault Ste. MarieONP6A 2J87059499900
All-Risks Insurance Brokers Limited123B Great Northern RdSault Ste MarieONP6B 4Y9705-998-2408

Sault Ste. Marie drivers shopping for low car insurance prices that also match their individual needs can take advantage of Ratelab’s car insurance calculator. Start the process by entering your home postal code below.

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