Car Insurance in Sudbury at a Glance
| Average annual premium: | $1,842 |
| YoY city rate change: | +4.1% |
| Average monthly premium: | $154 |
| Sudbury premium vs. Ontario average: | -13.6% less expensive |
| Cheapest postal code: | P3B ($1,725) |
| Most expensive postal code: | P3C ($1,939) |
| Maximum savings with MyChoice: | $1,051 |
How Does Car Insurance Work in Sudbury?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in Sudbury when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Sudbury referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $822 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $1,020 |
| Coverage Total: | $1,842 |
Quote data from MyChoice.ca, May 2026
*Starting July 1st, 2026, Ontario is splitting Accident Benefits into mandatory and optional components. Income replacement, caregiver benefits, and death benefits are no longer automatically included. Your policy will auto-renew with your current coverage, but if you’re buying a new policy after July 1, you’ll need to actively choose these add-ons.
Mandatory Coverages:
The coverages below are mandatory in Sudbury and will always be included in a standard car insurance quote.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued | $257 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $551 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $14 |
| Coverage Total: | $822 |
Quote data from MyChoice.ca, May 2026
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for Sudbury may be removed from your quote. However, we strongly recommend keeping them to ensure adequate protection.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $452 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $275 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $199 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $23 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $24 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $18 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $27 |
| OPCF 43: Waiver of Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $1,020 |
Quote data from MyChoice.ca, May 2026
How Sudbury Car Insurance Rates Compare to Nearby Cities
Sudbury’s car insurance rates fall in the middle compared to nearby Northern Ontario cities. Here’s how they compare:
| City | Average Annual Car Insurance Premium | Difference from Sudbury Premium |
|---|---|---|
| Sudbury, ON | $1,842 | – |
| North Bay, ON | $1,763 | -4.3% |
| Timmins, ON | $1,716 | -6.8% |
| Sault Ste. Marie, ON | $1,888 | +2.5% |
| Barrie, ON | $2,118 | +15.0% |
| Thunder Bay, ON | $2,032 | +10.3% |
Quote data from MyChoice.ca, May 2026
Cheapest Postal Codes to Insure a Car in Sudbury
The P3B area in Sudbury has the lowest car insurance premium rates in the city.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P3B | $1,725 |
| P3N | $1,747 |
Quote data from MyChoice.ca, May 2026
Most Expensive Postal Codes to Insure a Car in Sudbury
The P3C area in Sudbury has the highest car insurance premium rates, detailed in the table below:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P3C | $1,939 |
| P3E | $1,925 |
Quote data from MyChoice.ca, May 2026
Accident Rates by Postal Code in Sudbury
Not all parts of Sudbury have the same accident risk, and your postal code is one of the main factors insurers use to set your premium. The map below shows the percentage of drivers who have been in an accident across Sudbury’s postal codes, based on over 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
On average, 12.5% of Sudbury drivers have an accident on their record. But that varies by area, from as low as 11.0% in some areas to 15.8% in others.
Areas with the highest accident rates:
- P3P — Minnow Lake: 15.8% of drivers have an accident on record
- P3E — New Sudbury: 13.5%
- P3A — South End: 12.9%
- P3G — Val Caron / Hanmer: 12.4%
- P3Y — Lively / Naughton: 12.4%
Areas with the lowest accident rates:
- P3N — Garson / Falconbridge: 11.0%
- P3L — Copper Cliff / Whitefish: 11.0%
- P3C — Flour Mill / Donovan: 11.5%
- P3B — Downtown Sudbury: 12.1%
Drivers in Minnow Lake (P3P) are nearly 1.5x more likely to have an accident on their record than drivers in Garson (P3N).
Car Insurance Cost in Sudbury by Age
As in most of Canada, your age can make your car insurance rates higher or lower in Sudbury and the rest of Ontario.
Generally, younger drivers pay higher car insurance premiums because they’re seen as less experienced on the road. Because of this inexperience, younger drivers are perceived to be more likely to get into accidents. However, your auto insurance rates will lower as you get older.
That said, when you reach the age of 65, your car insurance premiums will start to increase again. This is because auto insurers see senior citizens as more likely to get injured or killed in a car accident.
Here’s a look at how your age can affect your auto insurance rates in Sudbury, ON:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18-20 | $5,287 | $1,051 |
| 21-24 | $2,726 | $542 |
| 25-34 | $2,100 | $418 |
| 35-44 | $1,842 | $366 |
| 45-54 | $1,566 | $311 |
| 55-64 | $1,455 | $289 |
| 65+ | $1,492 | $297 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Sudbury by Driving History
Your driving history affects your Sudbury car insurance rates because insurers use it to gauge your accident risk. Drivers with a clean record usually get lower car insurance rates because they’re perceived as less likely to violate traffic laws or get into an accident.
Meanwhile, high-risk drivers who have plenty of violations on their records consistently have higher car insurance premiums. Numerous violations and demerits are seen as an increased risk of re-offending, and, consequently, of getting into an accident.
Ontario laws state that violations and demerit points are “reset” after two years. However, some insurers might check as far back as 10 years into your driving record.
Here’s how different traffic offences affect the cost of your car insurance in Sudbury, based on our research:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,842 |
| Insurance cancellation due to non-payment | $2,561 |
| Licence suspension for alcohol-related offences | $1,934 |
| One at-fault accident | $3,610 |
| Minor speeding ticket | $2,229 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Sudbury by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Sudbury. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda Civic | $1,978 |
| Toyota Corolla | $1,808 |
| Toyota RAV4 | $2,040 |
| Honda CR-V | $2,151 |
| Hyundai Elantra | $2,050 |
| Tesla Model 3/Y | $2,162 |
| Mazda CX-5 | $1,960 |
| Nissan Rogue | $1,755 |
| Ford F-150 | $1,851 |
| RAM 1500 | $2,176 |
| Toyota Camry | $1,745 |
| Subaru Forester | $1,620 |
| Chevrolet Equinox | $1,608 |
| Hyundai Tucson | $1,927 |
| Kia Sportage | $1,665 |
Quote data from MyChoice.ca, May 2026
The Best Car Insurance Brokerages in Sudbury
Car insurance brokers can help you find the best car insurance for your needs and budget by comparing offers based on your vehicle, driving habits, and driving record.
You can contact these brokerages in Sudbury if you have any questions:
| Brokerage | Address | Phone number |
|---|---|---|
| Sudbury Insurance Brokers | 860 Lasalle Blvd 2nd Floor Greater Sudbury, ON P3A 1X5, Canada | +17056752241 |
| United Link Insurance Brokers Sudbury | 1390 Kingsway #1 Greater Sudbury, ON P3B 0A3, Canada | +17052225465 |
| BrokerLink | 1400 Marcus Dr Greater Sudbury, ON P3B 4K5, Canada | +17056751307 |
| Gifford Carr Insurance Group | 1361 Paris St Unit 202 Greater Sudbury, ON P3E 3B6, Canada | +17054192888 |
Driving in Sudbury
Sudbury, a.k.a. the City of Greater Sudbury or the “Nickel Capital”, is Ontario’s largest city by land area and Canada’s fifth-largest city. Located inland, Sudbury consists of an urban core with smaller communities sprawling across 330 lakes and numerous hills.
Formerly a top nickel mining area and lumber producer, Sudbury is now Northeastern Ontario’s major retail and economic centre. While mining remains Sudbury’s top employer, Sudbury has since diversified and become a provider of major employment opportunities in finance, tourism, and business.
What’s it like to drive in Sudbury? Here are some important facts about driving in this city:
- Major highways in Sudbury: 69 South, 17 (Trans-Canada Highway)
- Public transit options: Greater Sudbury Transit (bus)
- Ridesharing services: URide
- Parking space providers: The City of Greater Sudbury, private lots
- Top tourist attractions: Science North, Dynamic Earth, the Big Nickel, Bell Park, Onaping Falls, Northern Ontario Railway Museum, Lake Laurentian Conservation Area
- Busy intersections: Paris Street and Cedar Street, Regent Street and Loach’s Road/Algonquin Road, Lasalle Boulevard at Montrose Avenue.
- Airports: Greater Sudbury Airport
Commuting Duration in Sudbury
Sudbury is a major city in Northern Ontario, but commute times there are relatively fast. 75% of the city takes under 30 minutes to get to work, while less than 5% take over an hour. Here’s a closer look at commute times in Sudbury:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 60,840 | 100.0 |
| Less than 15 minutes | 21,855 | 35.9% |
| 15 to 29 minutes | 24,710 | 40.6% |
| 30 to 44 minutes | 9,165 | 15.1% |
| 45 to 59 minutes | 2,770 | 4.6% |
| 60 minutes and over | 2,345 | 3.9% |
Driving Conditions in Sudbury
Local driving conditions like snow and rain can affect your car insurance premiums because they affect your driving risk. Here’s a look at driving conditions in Sudbury:
- Average daily commute time: 42 minutes round-trip
- Average annual rainfall: 675.7 mm
- Average annual snowfall: 263.4 cm
- Rainy days per year: 107.6 days
- Rainiest month in Sudbury: October
- Driest months in Sudbury: February, December
- Snow days per year: 74.9 days
- Snowfall months in Sudbury: October – April
Traffic in Sudbury
Sudbury is Northern Ontario’s most populous city with a population of 166,004. Most of its population is clustered around the city’s urban centre. Commuting can get hectic in Sudbury during peak hours, especially when compared to smaller or less populated cities in the province.
Here’s a quick overview of the key traffic statistics in Sudbury:
- Population: 166,004 people live within Sudbury’s city limits.
- City area: Sudbury’s city limits span 3,228.35 km2.
- Average commute distance: The average Sudbury resident travels 11 km every day to their workplace or school.
- Time spent in traffic annually: The average Sudbury resident spends 42 minutes in traffic daily, totalling roughly 175 hours per year.
- Busiest highways: Sudbury’s busiest highways are Highway 17 (Trans-Canada), Highway 144, and Highway 69.