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Sarnia Car Insurance

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Article Contents
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated September 15, 2023

Visit author page
By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated September 15, 2023

Visit author page
Article Contents

How Can You Get Cheap Car Insurance in Sarnia?

You can get cheap Sarnia car insurance by finding the best deals. Here are several tips to help you do so:

Compare Rates Between Insurers

Sarnia has a highly competitive auto insurance market, so insurers are constantly vying for your business. When insurers try to give you the best deals, it’s you who wins. Compare rates and shop around to see which insurance provider fits your auto protection needs affordably.

Take Bundled Policies

One of the best ways to save money while shopping is to buy a package deal, and insurance is no different. If you bundle home and auto insurance from the same company, you’re much more likely to get lower rates.

Ask For A Higher Deductible

You must pay a deductible on insurance claims before your carrier covers the remaining expenses. A higher deductible means paying extra if something happens to your car, but it also means you’ll get lower insurance premiums.

Request Group Discounts

Many insurance companies deal in group discounts for companies and other organizations. If you’re shopping for auto insurance in Sarnia for work, ask your agent about group deals and discounts.

Pay Annual Premiums

Paying annual insurance premiums might look expensive initially, but it’s generally cheaper than paying them monthly. Ask your insurers about half-year premiums if you can’t afford annual premiums.

Drive Safely

Motor vehicle offences and accidents stay on your record for years. Unfortunately, any driving violation on your record will considerably increase your insurance rates. However, this also means you’ll get lower auto insurance rates if you have no offences on record.

Consider Taking Usage-Based Insurance

Usage-based insurance (UBI) or pay-as-you-go insurance tracks your driving behaviour to determine how much you must pay for insurance. Taking UBI lets you save up to 30% on your annual premiums, so it’s a good option if you consider yourself a safe driver.

Take Driving Courses

Accredited driving lessons make you a safer driver and let you earn discounts on auto insurance in Sarnia.

Choose the Coverage You Need

Naturally, more insurance protection leads to higher rates. While some auto insurance coverage is mandatory, you have optional insurance coverage like at-fault accident and theft protection. Review your policy and skip unnecessary optional coverage to save on insurance premiums.

Buy Affordable Cars

Cars that are expensive and hard to replace tend to get hit with higher premiums. If possible, buy affordable and reliable cars that are more common and easy to repair or replace if you want lower insurance rates.

Quick Facts About Auto Insurance in Sarnia

  • Sarnia car insurance is less expensive than the Ontario average.
  • The average annual car insurance cost in Sarnia for a driver with a clean record is around $1,272.
  • Drivers without a clean record in Sarnia can pay up to $2,803 annually, depending on factors like driving and claim history.
  • Comparing Sarnia auto insurance quotes with MyChoice can save you up to $903 annually.

How Does Car Insurance Work in Sarnia?

Car insurance in Sarnia works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in Sarnia is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.

Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in Sarnia.

Here’s a breakdown of the key elements of your auto insurance policy:

The mandatory car insurance requirement for Sarnia drivers are:

Third-Party Liability (TPL) Coverage 

This insurance component provides financial compensation if you cause an accident that results in car damage or somebody getting hurt or killed. Per Financial Services Commission of Ontario (FSCO) regulations, you need at least $200,000 in TPL coverage.

Statutory Accident Benefits Coverage

This insurance component pays for your medical bills, rehabilitation, and possible funeral expenses if you get hurt or killed in a car accident, regardless of who’s at fault. Accident benefits coverage also offers income replacement worth 70% of your gross income, capped at $400 per week.

Uninsured Automobile Insurance 

Uninsured automobile insurance covers your medical bills and funeral expenses if you’re struck by uninsured vehicles or hit-and-run drivers. Additionally, it compensates for vehicular damage caused by uninsured drivers.

Direct Compensation – Property Damage (DC-PD) Insurance

DC-PD insurance compensates you for the damage other drivers cause in an accident. However, DC-PD only kicks in if the other person is at fault, they’re also insured, and the accident takes place in Sarnia. 

Once you meet the minimum car insurance coverage requirements, you can legally drive in Sarnia. However, it pays to have extra protection beyond the basics in case you get in an accident.

Since minimum car insurance only goes so far, we’ve got some extra Sarnia car insurance recommendations for you:

Extra TPL Coverage

The mandatory $200,000 insurance minimum can be too small, so many drivers choose to get coverage up to $2 million if they cause property damage or hurt somebody in an accident.

Additional Statutory Accident Benefits

Many people get additional coverage for medical bills and funeral expenses in their statutory accident coverage. You can also get extra income replacement protection if 70% income capped at $400 a week seems too limited.

More Comprehensive Property Damage Protection

DC-PD coverage has very specific coverage terms like the other driver also needs to be insured, and the accident must occur in Sarnia. To cover their bases, many people purchase extra insurance that still protects them even when the other driver is uninsured, and the accident happens in other provinces.

In addition to mandatory insurance coverage outlined by the FSCO, you can take optional insurance coverage like:

Specified Perils Protection

Specified perils insurance coverage protects you from loss or damage due to a specific cause. The most common perils insured are:

Many insurers also offer comprehensive auto insurance in Sarnia if you want protection from all these perils.

Accident Forgiveness

Insurers usually raise your premiums if you’re at fault for causing an accident. If you’ve been a safe driver for several years, you can take extra accident forgiveness coverage so you won’t get higher premiums if you cause an accident. Note that accident forgiveness only works on your first accident, and subsequent violations will still raise your rates.

Limited Depreciation Waiver

If you take a limited waiver of depreciation, you can receive your car’s purchase price as compensation if it’s been stolen or deemed a total loss after an accident. 

How Your Car Insurance Quotes Are Calculated in Sarnia

Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.

Here are seven factors that influence your Sarnia car insurance quotes:

Age, Gender, and Marital Status

Your personal demographics influence auto insurance premiums in Sarnia because different people have varying accident risks. 

Younger people tend to get higher premiums because insurance companies see them as more accident-prone than older people. Generally, your car insurance rates start decreasing when you hit 25 years old as long as you keep a safe driving record. However, insurance premiums increase again for people aged 65 and older because they’re more likely to be injured or killed in traffic accidents.

Women often get lower insurance rates because they’re seen as more careful drivers and don’t take as many risks as men.

Marital status also determines your rates because most insurance companies see married people as more financially stable and less-risky drivers. Married couples also tend to bundle home and auto insurance, saving more on premiums.


People who live in urban areas often see higher insurance premiums because they’re more prone to car accidents and theft. 

Car Make and Model

Expensive cars are more costly to repair or replace, so insurance premiums are usually higher than more common vehicles. You can install security features like anti-theft devices if you have an expensive car and want to save on insurance premiums.

Driving History

People who drive safely are rewarded with lower premiums because they’re usually less likely to get into a traffic accident. Conversely, people who have gotten into multiple accidents get higher premiums because they’re more likely to be involved in another accident down the line.

Driving Activity

Logic dictates that people who drive frequently are more likely to get in an accident. Therefore, kilometres driven is one of the determining factors that set your Sarnia auto insurance rates.

Insurance Coverage Chosen

Your coverage options influence your insurance rates because taking more coverage gives you more protection. Naturally, the more coverage you choose, the higher your rates.

Policy Discounts

Getting discounts can lower your auto insurance rates and make them more affordable. You can typically get discounts by bundling home and auto insurance or asking for a group discount for your workplace or organization.

Most Expensive Postal Codes in Sarnia

On average, annual car insurance in Sarnia costs $1,272. This is around $110 cheaper than Ontario’s provincial average of $1,385/year. However, some areas of the city may have rates above this, like N7S and N7T.

Here are the most expensive postal codes for auto insurance in Sarnia:

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Sarnia

There are some in Sarnia where insurance rates are lower than the city average, like N7W and N7X. Here are the cheapest postal codes for car insurance in Sarnia:

Postal CodeAverage annual car insurance premium

Car Insurance Cost in Sarnia by Age

Your age influences car insurance rates because it impacts your driving risk. Insurance rates usually start high when you’re young due to inexperience but will start to lower once you hit adulthood. However, rates will rise again beyond 65 since you’re more likely to get hurt or killed in accidents.

Here’s how your age influences your auto insurance rates:

Age GroupAverage annual insurance costAverage savings with MyChoice

Car Insurance Cost in Sarnia by Driving History

Driving history directly affects your car insurance premiums because it’s used to measure accident risk. Insurers charge more for high-risk drivers because they’re more likely to get in car accidents, while the reverse happens to safe drivers because they’re less likely to get in an accident.

According to Ontario laws, driving violations and demerits disappear from your record after two years. However, insurers can check your record as far back as 10 years for their risk assessment.

Here’s how different traffic offences impact your car insurance rates:

Driving violationAverage annual car insurance rate
Clean driving record$1,272
Insurance cancellation due to non-payment$2,086
Licence suspension for alcohol-related offences$1,524
One accident$2,803
Speeding ticket$1,656

Other Factors That Affect Car Insurance Prices in Sarnia

We’ve covered several factors that influence car insurance rates in Sarnia. Aside from those, several extra factors play a part in determining your Sarnia auto insurance premiums:

Vehicle Model Accident Rates

Some cars are just more accident-prone than others. Even if you have a spotless driving record, owning a car model infamous for having high accident rates will increase your insurance premiums.

Vehicle Age

Naturally, older cars are more expensive to insure because they may not have all the safety features of newer vehicles. If you insist on driving a vintage car everywhere, make sure you can pay the insurance premiums.

Vehicle Repair Costs

The harder it is to repair a car, the more expensive it is to insure. You can expect high insurance premiums on luxury cars and foreign cars that don’t have a large dealership or service centre presence in Canada.

Vehicle Primary Usage and Annual Mileage

You may spend more or less time on the road depending on what you use the car for. Car usage influences insurance rates – generally, the more you use it, the higher your premiums. For instance, insurance premiums on a car you use as an Uber will be higher than on a car you almost exclusively take on weekend cruises.

A good way to measure how much somebody uses a car is by its annual mileage. If your car has low annual mileage, insurers may determine that this car is low-risk and thus grant you more affordable insurance rates.

Local Crime Rates

Living in high-crime areas means your car is at higher risk of being stolen or vandalized. If you live in an area where theft or vandalism often occurs, you may get higher car insurance rates.

Past Insurance Claims

Any auto insurance claims will drive your premiums up, regardless of who’s at fault. If you make many insurance claims, the insurer will see you as a high-risk policyholder and give you higher rates.

Loyalty Bonuses

Many insurance companies reward long-term customers with discounted rates. If you’ve been a policyholder at the same insurance company for several years, ask for a rate reduction or discount when you renew your policy.

The Best Car Insurance Brokerages in Sarnia

Auto insurance brokers help your search for insurance by comparing policies and answering questions. We provide this list of insurance brokers in Sarnia, so visit them if you need assistance when looking for insurance:

BrokerageAddressPhone Number
BrokerLink774 London Rd, Sarnia
ON N7T 4Y1, Canada
Cam-Ron Insurance Brokers Ltd560 Exmouth St, Sarnia
ON N7T 5P5, Canada
McFarlan Rowlands Insurance Brokers1315 Michigan Ave, Sarnia
ON N7S 4M6, Canada

Driving in Sarnia

Sarnia is widely known for its affinity for industrial pursuits. The first commercial oil drill operation in North America happened near Sarnia. Nowadays, the city is known for its chemical refineries in a complex called the Chemical Valley, south of downtown Sarnia.

Despite its prevalence of industry, Sarnia is still a beautiful place to live, thanks to its lakeside location and surrounding agricultural areas.

What’s driving in Sarnia like? Here are some key facts about driving in the city:

  • Major highways in Sarnia: 402, I-94, I-69
  • Public transit options: Sarnia Transit (bus), Via Rail (train)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of Sarnia, private lots
  • Top tourist attractions: Canatara Park, Stones N’ Bones Museum, Bayshore Park, Judith & Norman Alix Art Gallery, Germain Park
  • Busy intersections: Errol Road and Indian Road
  • Airports: Sarnia Chris Hadfield Airport

Main Mode of Commuting in Sarnia

Fitting its industrial affinity, most commuters in Sarnia prefer taking cars to work. Public transit isn’t nearly as popular, numbering only 2.1% out of 24,110 commuters. Here’s a closer look at how Sarnia’s commuters travel:

Main mode of commutingCountsRates
Total – 25% Sample Size24,110100.0
Car, truck or van22,05591.5%
Car, truck or van – as a driver20,30584.2%
Car, truck or van – as a passenger1,7457.2%
Public transit5102.1%
Other method3551.5%

Commuting Duration in Sarnia

While Sarnia is a border crossing to the United States, it’s surprisingly not as much of a commuting nightmare as you might think. Over half of Sarnia’s commuters spend under 15 minutes getting to work, and a third of them spend 15 to 29 minutes on their commute. That means only around 12% of Sarnia’s commuters spend over half an hour on the road. Here’s a detailed look at commuting times in the city:

Commuting durationCountsRates
Total – 25% Sample Size24,110100.0
Less than 15 minutes13,38555.5%
15 to 29 minutes7,97531.1%
30 to 44 minutes1,6656.9%
45 to 59 minutes4401.8%
60 minutes and over6452.7%

Driving Conditions in Sarnia

Weather and traffic affect your auto insurance premiums because they can raise or lower your driving risk. Here’s a look at driving conditions in Sarnia:

  • Average daily commute time: 30 minutes round trip
  • Average annual rainfall: 41.08 mm
  • Average annual snowfall: 26 mm
  • Rainy days per year: 141 days
  • Rainiest month in Sarnia: May
  • Driest month in Sarnia: February
  • Snow days per year: 114 days
  • Snowfall months in Sarnia: October – May

Traffic in Sarnia

Sarnia is a small city of just over 72,000 people. However, its location as one of the border crossings to the US makes it a little busier than other small towns. 

How is traffic in Sarnia? Here’s an overview:

  • Population: 52,662 people live within Sarnia’s city limits.
  • City area: Sarnia’s city area spans 164.85 km2.
  • Average commute distance: The average Sarnia resident travels x km to their workplace or school. 
  • Time spent in traffic annually: The average Sarnia resident spends 30 minutes in traffic daily, totalling roughly 183 hours per year.
  • Busiest highways: Sarnia’s Blue Water Bridge is part of the NAFTA Superhighway. One of the most important gateways in the three countries’ truck routes, this highway spans Canada, Mexico, and the United States.

Who Provides Car Insurance Quotes in Sarnia?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Sarnia. Here’s an overview of these four insurance quote providers:

Insurance Brokers

Insurance brokers are independent professionals who help you shop for the best rates by comparing deals from multiple insurers. Because they have a bird’s-eye view of the current Sarnia insurance landscape, they can show you which companies offer the best insurance deals and answer any questions you may have.

Brokers take a commission from insurance companies, which could increase your rates. You might spend more money than if you had found an insurer yourself.

Direct Writers

Like insurance agents, direct writers only sell insurance products from one company. Direct writers are typically found online and are cheaper because they don’t have physical offices.

Insurance Agents

Insurance agents work for a certain insurer, so they can only offer their employer’s insurance products. However, they know their insurer like the back of their hands and might even give you discounts that brokers don’t have access to.

Additionally, insurance agents can close insurance sales independently, meaning you can purchase insurance from them right then and there. 

Insurance Aggregators

An insurance aggregator website like MyChoice compiles rates from various insurance brokers, companies, and direct writers in one place. You can browse aggregator websites to find the best deals from the top insurance companies and get quotes instantly.

Better yet, insurance aggregators are accessible online and entirely free for customers, so you can look up insurance rates without spending a single penny or leaving the house.

The Most Common Questions About Car Insurance in Sarnia

Is ridesharing insurance available in Sarnia?

Ridesharing insurance is available for drivers in Sarnia. Ask your insurer for more details.

How much does Sarnia car insurance cost?

The average car insurance cost in Sarnia is $1,272/year.

Is car insurance cheaper in Sarnia than in London?

Sarnia’s annual car insurance rate is cheaper than London’s by around $240.

Which cars get the lowest car insurance premiums in Sarnia?

Fiats have the lowest car insurance premiums in Sarnia at $126/month.

Why should you compare car insurance rates in Sarnia?

You should compare car insurance rates in Sarnia because insurance companies offer different coverage at different prices. Comparing rates ensures you get the most value out of your insurance deals.

Does my Sarnia car insurance work in the US?

Your Sarnia car insurance will likely work in the US because both countries share similar legal systems. However, we recommend checking with your insurer first before travelling.

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