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Sault Ste. Marie Car Insurance

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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
$46.95May 21, 2024, 10:07 AMHome44FemaleL6Y0E8
$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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

Updated on May 15, 2024

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

Updated May 15, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in Sault Ste. Marie

  • Sault Ste. Marie car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Sault Ste. Marie for a driver with comprehensive/collision coverage and a clean driving record is around $1,350.
  • Comparing Sault Ste. Marie auto insurance quotes with MyChoice can save you up to $959 annually.

The Best Car Insurance Brokerages in Sault Ste. Marie

Car insurance brokers help you choose the right auto insurance policy by answering your questions and comparing policy offers.

Here are several brokers in Sault Ste. Marie that you can contact for extra assistance when seeking car insurance:

BrokerageAddressPhone number
All Risks Insurance
Brokers Limited
111 Great Northern Rd Suite A,
Sault Ste. Marie, ON P6B 4Y9, Canada
Northern Insurance Brokers855 Queen St E #200,
Sault Ste. Marie, ON P6A 2B3, Canada
Ensurco Insurance Group116 March St,
Sault Ste. Marie, ON P6A 2Z3, Canada
Dawson & Keenan
Insurance Ltd.
432 Great Northern Rd #201,
Sault Ste. Marie, ON P6B 4Z7, Canada

Most Expensive Postal Codes in Sault Ste. Marie

With an annual average of $1,350, Sault Ste. Marie’s insurance rate is roughly $300 lower than Ontario’s provincial average of $1,673. In some areas of the city like the P6A and P6B postal codes, there are higher auto insurance premiums than the city average.

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Sault Ste. Marie

Meanwhile, the postal code P6C has lower-than-average car insurance rates.

Postal CodeAverage Annual Car Insurance Premium

Car Insurance Cost in Sault Ste. Marie by Age

Age is a major driving factor in whether you can expect higher insurance premiums. Generally, the idea is that older drivers have more experience and are thus more likely to be responsible and capable of avoiding accidents. 

Drivers under the age of 25 can expect higher insurance premiums, while those in their 50s and 60s can expect the lowest insurance rates. However, once you reach a certain age, your premium rates start to rise again – usually when you reach the age of 65 or become a senior citizen

Based on studies, 75-year-old male drivers pay 21% more for auto insurance than 55-year-old male drivers. This is because as people get older, they go through physical changes that can affect their driving ability, such as changes in vision, attention, fitness, and reaction time. 

Take a look at how much car insurance costs can vary by age in Sault Ste. Marie:

AgeAverage Annual RatesAnnual Savings with MyChoice
18 – 20$4,820$959
21 – 24$2,754$548
25 – 34$1,836$365
35 – 44$1,350$269
45 – 54$1,107$220
55 – 64$941$187

Car Insurance Cost in Sault Ste. Marie by Driving History

Take a look below at how car insurance quotes vary by violation in Sault Ste. Marie:

Driving ViolationAverage Annual Car Insurance Premium
Clean Record$1,350
Insurance Cancellation (Non-Payment)$2,214
License Suspension (DUI)$1,620
One accident$2,970
Speeding ticket$1,755

All estimated rates are based on a 35-year-old female driving a 2018 Honda Civic four-door.

Your driving record plays a major role in determining the cost of your insurance premiums. Insurance companies will usually request the following:

  • Demerit point total
  • Any convictions, suspensions, and reinstatements under the Highway Traffic Act and Criminal Code of Canada
  • Records of collisions
  • Any driver’s license replacements/renewals

A clean driving record will help you get lower premiums, while a record laden with violations will get you tagged as a high-risk driver and cause insurance companies to charge you more.

In Ontario, driving violations remain on your record for two years, but they can affect your premium rates for far longer. 

Driving in Sault Ste. Marie

Planning to move to or visit Sault Ste. Marie? It helps to know more about driving in the area. Here are some key facts about driving in Sault Ste. Marie you should know:

  • Major highways in Sault Ste. Marie: 17
  • Public transit options: Sault Transit Services (bus)
  • Ridesharing services: EZ Ride, Uber
  • Parking space providers: The City of Sault Ste. Marie, private lots
  • Top tourist attractions: Canadian Bushplane Heritage Centre, Sault Ste. Marie Boardwalk, Bellevue Park, Ermatinger-Clergue National Historic Site
  • Busy intersections: Great Northern Load and Second Line
  • Airports: Sault Ste. Marie Airport

Main Mode of Commuting in Sault Ste. Marie

Knowing more about the commuting statistics in a city or town helps you get to work on time. Here’s a detailed look at the commuter data in Sault Ste. Marie:

  • Average commute distance: The average Sault Ste. Marie resident travels x km to their workplace or school. 
  • Commute duration: Nearly two-thirds (65.5%) of Sault Ste. Marie households only spend 15 minutes getting to work, which shows that traffic is relatively sparse there. In fact, only 6.7% of the city’s households spend over half an hour on their commutes.
  • Main mode of commuting: 90.7% of the city’s households use personal vehicles to get around. The second-most popular mode of commuting in the city is walking, with a 4.1% share of households.

Driving Conditions in Sault Ste. Marie

Various weather and driving conditions like snow and rain can affect your auto insurance premiums. Here’s an overview of driving conditions in Sault Ste. Marie: 

  • Average annual rainfall: 83 mm
  • Average annual snowfall: 103 mm
  • Rainy days per year: 109
  • Rainiest month in Sault Ste. Marie: October
  • Driest months in Sault Ste. Marie: February
  • Snow days per year: 109
  • Snowfall months in Sault Ste. Marie: October-May

Traffic in Sault Ste. Marie

Sault Ste. Marie is one of Ontario’s premier adventure tourism destinations due to having some of the province’s best skiing and snowboarding places. It’s also well-known as an essential port of entry to the United States.

Here’s a quick look at the key traffic statistics in Sault Ste. Marie:

  • Population: 72,051 people live within Sault Ste. Marie’s city limits.
  • City area: Sault Ste. Marie’s city area spans 223.24 km2.
  • Busiest highways: Highway 17, a segment of the Trans-Canada Highway, connects Sault Ste. Marie to Thunder Bay and Sudbury.

Sault Ste. Marie Car Insurance FAQs

How much does Sault Ste. Marie car insurance cost?

Sault Ste. Marie car insurance costs $1,350/year.

Why should you compare car insurance rates in Sault Ste. Marie?

You should compare car insurance rates in Sault Ste. Marie because different insurers provide different coverage at different prices. Comparing rates help you choose which policy has the best value.

What information do you need for an auto insurance quote in Sault Ste. Marie?

You need to provide basic personal details and vehicle information like production year, make, and model to get a basic auto insurance quote. You can get more accurate quotes by disclosing extra information, like your driving record and past traffic violations.

How can you get cheaper car insurance in Sault Ste. Marie?

Compare car insurance rates in Sault Ste. Marie 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, Sault Ste. Marie, Car Insurance Quotes Collected, 2024.

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

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

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

5. City of Sault Ste. Marie Website, Driving & Transit Information. Data Collected, 2024.

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

7. Weather Network Canada, Historical Averages, Ontario, Sault Ste. Marie.

8. 511 Ontario Traveller Information, Ontario, Sault Ste. Marie.

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