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Things to Know Before Getting Sault Ste. Marie Car Insurance
If you’re planning to get car insurance in Sault Ste. Marie, here are some things to keep in mind:
- Ontario operates on a no-fault insurance system, which means that in the event of an accident, each driver’s own insurance company pays for their damages and injuries.
- The minimum mandatory car insurance coverage in Ontario includes third-party liability, accident benefits, and uninsured automobile coverage.
- Ontario drivers can purchase optional additional coverage, such as collision, comprehensive, and specified perils coverage. These options can provide additional protection for your vehicle in case of damage or loss.
- Car insurance rates in Sault Ste. Marie can vary depending on a range of factors including driving history, age, and type of car. It’s important to compare quotes from different insurance providers to find the best rate.
- Sault Ste. Marie has a mix of urban and rural areas, and weather conditions can vary widely throughout the year. Be sure to choose coverage that meets your needs based on your driving habits and the conditions you’re likely to encounter.
- Sault Ste. Marie has a number of local insurance brokers who can help you find the best rates and coverage options for your specific needs.
- It’s important to stay up to date on changes to insurance regulations and requirements in Ontario, as these can impact your coverage and rates.
What is the Average Car Insurance Cost in Sault Ste. Marie?
According to recent data, the average annual premium for car insurance in Sault Ste. Marie is around $1,220.
The average car insurance costs range for different driver profiles in Sault Ste. Marie would be as follows:
(note that these are estimated monthly costs and may vary depending on the insurance company and other factors)
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $108 – $306 | $135 – $382 | $154 – $437 |
| G2 Driver | $97 – $274 | $122 – $344 | $140 – $397 |
| G Driver | $86 – $244 | $108 – $305 | $123 – $349 |
| Teenage Driver | $357 – $1,009 | $446 – $1,261 | $509 – $1,441 |
| Young Driver | $149 – $421 | $186 – $526 | $212 – $601 |
| High-risk Driver | $212 – $600 | $265 – $750 | $302 – $855 |
| Occasional Driver | $75 – $212 | $94 – $266 | $107 – $304 |
| Pleasure | $81 – $230 | $101 – $287 | $115 – $326 |
| Commuting | $118 – $334 | $147 – $415 | $168 – $476 |
| Good Driver | $69 – $196 | $87 – $246 | $99 – $281 |
| Bad Driver | $347 – $982 | $434 – $1,229 | $495 – $1,401 |
| New Driver | $231 – $653 | $289 – $818 | $330 – $934 |
| Secondary Driver | $77 – $218 | $97 – $275 | $110 – $312 |
| 17 Years Old | $382 – $1,081 | $477 – $1,349 | $544 – $1,542 |
| Seniors | $75 – $212 | $94 – $266 | $107 – $304 |
| Over 55 Years Old | $71 – $201 | $89 – $252 | $102 – $290 |
| Students | $129 – $365 | $161 – $455 | $184 – $521 |
| International Driver | $211 – $597 | $264 – $747 | $302 – $855 |
| Newcomers | $255 – $721 | $319 – $903 | $364 – $1,031 |
| Men Driver | $109 – $308 | $137 – $387 | $156 – $442 |
| Women Driver | $103 – $291 | $129 – $365 | $147 – $416 |
| Married Couples | $78 – $220 | $98 – $278 | $112 – $317 |
| Usage-Based | $91 – $258 | $114 – $323 | $130 – $368 |
| Uber/Lyft | $187 – $529 | $234 – $662 | $267 – $758 |
| Personal use | $96 – $271 | $120 – $339 | $137 – $389 |
| Business use | $125 – $353 | $157 – $444 | $179 – $507 |
| Commercial use | $210 – $594 | $263 – $745 | $300 – $850 |
The estimated monthly car insurance costs range for different types of cars in Sault Ste. Marie would be as follows:
| Car Type | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $68 – $193 | $85 – $241 | $97 – $275 |
| Convertible | $126 – $356 | $157 – $445 | $179 – $508 |
| Hatchback | $64 – $182 | $80 – $226 | $91 – $258 |
| Wagon | $71 – $201 | $89 – $252 | $102 – $290 |
| Coupe | $94 – $267 | $117 – $331 | $133 – $376 |
| SUV | $88 – $249 | $110 – $311 | $125 – $354 |
| Truck | $79 – $223 | $99 – $281 | $113 – $321 |
| Minivan | $84 – $237 | $105 – $296 | $120 – $340 |
| Van | $88 – $249 | $110 – $311 | $125 – $354 |
| Electric Car | $116 – $328 | $145 – $410 | $165 – $467 |
| Hybrid Car | $95 – $269 | $119 – $337 | $136 – $385 |
| Multi Car | $77 – $217 | $96 – $272 | $110 – $312 |
| Exotic Car | $336 – $952 | $420 – $1,188 | $479 – $1,358 |
| Luxury Car | $217 – $614 | $271 – $767 | $309 – $875 |
| Classic Car | $113 – $320 | $141 – $399 | $161 – $457 |
| Vintage Car | $106 – $299 | $133 – $377 | $152 – $430 |
| Sports Car | $222 – $628 | $277 – $783 | $316 – $895 |
| Leased Cars | $91 – $257 | $114 – $323 | $130 – $368 |
| 2 Door | $97 – $275 | $121 – $344 | $138 – $391 |
The average car insurance costs range in Sault Ste. Marie for a driver profile of age 35, married, based on driving history would be as follows:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| 1 at-fault accident | $124 – $350 | $155 – $439 | $177 – $502 |
| 2 at-fault accidents | $161 – $456 | $201 – $569 | $229 – $649 |
| 1 non-fault accident | $75 – $212 | $94 – $266 | $107 – $304 |
| DUI conviction | $369 – $1,044 | $461 – $1,305 | $526 – $1,488 |
| 1 speeding ticket | $79 – $224 | $99 – $281 | $113 – $321 |
| 2 speeding tickets | $126 – $356 | $157 – $445 | $179 – $508 |
How Does Sault Ste. Marie’s Average Car Insurance Cost Compare to Other Cities?
Here is a list of the average car insurance costs in Sault Ste. Marie compared to some other cities in Ontario:
- Toronto: $2,500 – $3,000 per year
- Ottawa: $1,200 – $1,700 per year
- Mississauga: $1,700 – $2,000 per year
- Hamilton: $1,500 – $1,800 per year
- London: $1,200 – $1,500 per year
- Windsor: $1,400 – $1,600 per year
- Thunder Bay: $1,000 – $1,200 per year
- Sault Ste. Marie: $1,000 – $1,500 per year
Which Cars Have the Cheapest Car Insurance in Sault Ste. Marie?
Here are some cars that tend to have lower insurance rates in Sault Ste. Marie, along with their average insurance rates:
- Honda Civic: The Honda Civic is a popular car in Sault Ste. Marie and tends to have lower insurance rates. The average insurance rate for a Honda Civic is around $1,200 per year.
- Toyota Corolla: The Toyota Corolla is another popular car with lower insurance rates. The average insurance rate for a Toyota Corolla is around $1,150 per year.
- Mazda3: The Mazda3 is a reliable and affordable car that typically has lower insurance rates. The average insurance rate for a Mazda3 is around $1,200 per year.
- Ford Focus: The Ford Focus is a compact car that is known for its affordability and fuel efficiency. The average insurance rate for a Ford Focus is around $1,300 per year.
- Hyundai Elantra: The Hyundai Elantra is a practical and reliable car that often has lower insurance rates. The average insurance rate for a Hyundai Elantra is around $1,250 per year.
How to Get the Cheapest Car Insurance in Sault Ste. Marie?
Here are some tips for getting the cheapest car insurance in Sault Ste. Marie:
- Shop around and compare quotes: One of the best ways to get cheap car insurance in Sault Ste. Marie is to shop around and compare quotes from different insurance providers. This can help you find the best rate for your specific needs.
- 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. This can help you save money on your overall insurance costs.
- Choose a higher deductible: Increasing your deductible (the amount you pay out of pocket in the event of a claim) can lower your monthly insurance premiums. Just make sure you can afford to pay the higher deductible if needed.
- Drive a car with lower insurance rates: As mentioned earlier, certain makes and models of cars can have lower insurance rates. Choosing a car with a good safety record and lower risk of theft can help you save on insurance costs.
- Maintain a good driving record: Insurance providers often offer lower rates to drivers with a good driving record. Avoid speeding tickets and other traffic violations to keep your insurance costs down.
- Ask about discounts: Many insurance providers offer discounts for things like good grades, safe driving, or installing safety features in your car. Be sure to ask your insurance provider about any available discounts.
Sault Ste. Marie Car Insurance Facts
Here are some car insurance facts that are specific to Sault Ste. Marie:
- Car insurance rates in Sault Ste. Marie are generally lower than in many other cities in Ontario, due in part to the city’s relatively low population and lower rates of car theft and accidents compared to larger urban areas.
- Like the rest of Ontario, Sault Ste. Marie operates on a no-fault insurance system, which means that each driver’s own insurance company pays for their damages and injuries in the event of an accident.
- Sault Ste. Marie has a number of local insurance brokers who can help drivers find the best rates and coverage options for their needs.
- Car theft rates in Sault Ste. Marie are relatively low compared to many other cities in Ontario. However, it’s still a good idea to take precautions to prevent theft, such as parking in well-lit areas and using anti-theft devices.
- Sault Ste. Marie has a number of rural areas, which can present unique challenges for drivers. It’s important to choose coverage that meets your needs based on the driving conditions you’re likely to encounter.
- In general, insurance rates in Sault Ste. Marie can vary depending on factors such as age, driving record, and type of car. It’s important to compare quotes from different insurance providers to find the best rate for your needs.
List of Best Car Insurance Companies in Sault Ste. Marie
Here are some of the top car insurance companies in Sault Ste. Marie, along with their company description and average customer ratings based on online reviews:
- Allstate Insurance: Allstate offers a range of car insurance options in Sault Ste. Marie, including liability, collision, and comprehensive coverage. They have a reputation for excellent customer service and offer a range of discounts for safe driving and bundling policies. Average rating: 4.5 stars.
- State Farm Insurance: State Farm is one of the largest car insurance providers in Sault Ste. Marie and offers a range of coverage options including liability, collision, and comprehensive coverage. They have a reputation for affordable rates and good customer service. Average rating: 4.0 stars.
- TD Insurance: TD Insurance offers a range of car insurance options in Sault Ste. Marie, including liability, collision, and comprehensive coverage. They have a reputation for competitive rates and offer a range of discounts for safe driving and bundling policies. Average rating: 3.5 stars.
- Johnson Insurance: Johnson Insurance offers a range of car insurance options in Sault Ste. Marie, including liability, collision, and comprehensive coverage. They have a reputation for excellent customer service and offer a range of discounts for safe driving and bundling policies. Average rating: 4.0 stars.
- Desjardins Insurance: Desjardins Insurance offers a range of car insurance options in Sault Ste. Marie, including liability, collision, and comprehensive coverage. They have a reputation for affordable rates and good customer service. Average rating: 3.5 stars.
List of Best Car Insurance Brokers in Sault Ste. Marie
Here are some of the top independent car insurance brokers in Sault Ste. Marie, along with their company description and average customer ratings based on online reviews:
- Algoma Insurance Brokers: Algoma Insurance Brokers is an independent insurance brokerage that has been serving Sault Ste. Marie for over 50 years. They offer a range of car insurance options from various providers and have a reputation for excellent customer service. Average rating: 4.5 stars.
- S&T Insurance: S&T Insurance is an independent insurance brokerage that offers a range of car insurance options in Sault Ste. Marie. They have a reputation for excellent customer service and work with multiple insurance providers to find the best rates for their clients. Average rating: 4.0 stars.
- Cambrian Insurance: Cambrian Insurance is an independent insurance brokerage that offers a range of car insurance options in Sault Ste. Marie. They have a reputation for personalized service and work with a variety of insurance providers to find the best coverage and rates for their clients. Average rating: 4.5 stars.
- A.P. Reid Insurance: A.P. Reid Insurance is an independent insurance brokerage that offers a range of car insurance options in Sault Ste. Marie. They have a reputation for competitive rates and excellent customer service, and work with a variety of insurance providers to find the best coverage for their clients. Average rating: 4.0 stars.
- Dulude Taylor Insurance: Dulude Taylor Insurance is an independent insurance brokerage that offers a range of car insurance options in Sault Ste. Marie. They have a reputation for personalized service and work with multiple insurance providers to find the best rates and coverage options for their clients. Average rating: 4.5 stars.
Tips for Drivers in Sault Ste. Mari
Here are some driving tips specific to Sault Ste. Marie:
- Watch for wildlife: Sault Ste. Marie is home to a variety of wildlife, including deer, moose, and bears. Be sure to watch for animals crossing the road, especially during dawn and dusk.
- Be prepared for winter driving: Sault Ste. Marie is no stranger to winter weather, so it’s important to be prepared for driving in snow and ice. Make sure your car is equipped with good winter tires, and allow extra time for driving in snowy or icy conditions.
- Be mindful of school zones: There are several schools located throughout Sault Ste. Marie, so be sure to watch for school zones and slow down in these areas.
- Know the local traffic laws: It’s important to be familiar with local traffic laws in Sault Ste. Marie. For example, there are several one-way streets in the downtown area, so be sure to pay attention to signage.
- Avoid distracted driving: Distracted driving is a major cause of accidents in Sault Ste. Marie and across Canada. Avoid using your phone or other distractions while driving to help keep the roads safe for everyone.
- Use caution on rural roads: Sault Ste. Marie has a number of rural roads, which can present unique challenges for drivers. Watch for gravel roads, unmarked intersections, and wildlife on these roads.
What are the Most Dangerous Intersections in Sault Ste. Marie?
The City of Sault Ste. Marie provides a map on their website that shows the locations of collisions from the past 5 years. While they don’t provide specific numbers for each intersection, the map shows that some of the most dangerous intersections in Sault Ste. Marie include:
- Great Northern Road and Second Line: This intersection has seen a high number of collisions in recent years, likely due to the heavy traffic flow in the area.
- Great Northern Road and McNabb Street: This intersection is located near the Sault Area Hospital and has seen a number of collisions, possibly due to heavy traffic and pedestrians in the area.
- Second Line and Peoples Road: This intersection is located near several shopping centers and has seen a number of collisions over the past few years.
- Korah Road and Goulais Avenue: This intersection is located in a residential area and has seen a significant number of collisions, likely due to its close proximity to several schools.
Total Reportable Collisions in Sault Ste. Marie
According to the City of Sault Ste. Marie’s website, there were a total of 12,645 reportable collisions in Sault Ste. Marie from 2013 to 2021. This includes all collisions that were reported to police and resulted in property damage or injury.
It’s worth noting that while this number may seem high, it includes all types of collisions, ranging from minor fender-benders to more serious accidents. In addition, Sault Ste. Marie has a population of approximately 75,000, which means that the rate of collisions per capita is relatively low compared to larger urban centers.
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.
