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Sarnia Car Insurance

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

Updated on May 16, 2024

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

Updated May 16, 2024

Visit author page

4 minute read

Article Contents

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 comprehensive/collision coverage and a clean record is around $1,398.
  • Comparing Sarnia auto insurance quotes with MyChoice can save you up to $993 annually.

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

Most Expensive Postal Codes in Sarnia

On average, annual car insurance in Sarnia costs $1,398, making it less than Ontario’s provincial average of $1,673/year. 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 areas in Sarnia with rates lower than the city average, like N7W and N7X.

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 RatesAverage 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 Premium
Clean driving record$1,398
Insurance cancellation due to non-payment$2,293
Licence suspension for alcohol-related offences$1,678
One accident$3,076
Speeding ticket$1,817

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.

The Most Common Questions About Car Insurance in Sarnia

How much does Sarnia car insurance cost?

The average car insurance cost in Sarnia is $1,398/year.

Is car insurance cheaper in Sarnia than in London?

Sarnia’s annual car insurance rate is cheaper than London’s by around $250.

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.

How can you get cheaper auto insurance in Sarnia?

Compare car insurance rates in Sarnia with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, Sarnia, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, Sarnia, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, Sarnia, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, Sarnia, Car Insurance Quotes Collected, 2024.

5. City of Sarnia Website, Driving & Transit Information. Data Collected, 2024.

6. Statistics Canada, 2021, Census of Population, Ontario, Sarnia, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, Sarnia, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, Sarnia.

9. 511 Ontario Traveller Information, Ontario, Sarnia.

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