In Sudbury, driving is often a matter of traversing long distances between different communities along Highway 17, Highway 69 and local roads that are characterized by rocky cutouts, winter snowfall and wildlife.
Here you can compare Sudbury rates against other markets in Northern Ontario, learn which factors affect your rates based on your postal code, age, driving history and vehicle type and see where that rate is being spent, including both required and optional coverage. We’ve also included information on accidents that have occurred in the area over the years and tips for driving on northern Ontario winter roads, taking long distance trips around the region and making insurance shopping decisions.
The below Sudbury rates are based on auto insurance quotes gathered by MyChoice starting in January 2026.
Sudbury Car Insurance at a Glance
Our research shows that in Sudbury, the median yearly premium for car insurance is $1,764 ($147/month). This is 24.8% lower than the provincial median.
| Median annual premium | $1,764 |
| Median monthly premium | $147 |
| Sudbury premium vs. Ontario Median | 24.8% less expensive |
| Cheapest Postal Code | P3B ($1,671) |
| Most Expensive Postal Code | P3A ($1,808) |
Car Insurance Prices Across Sudbury Postal Areas
Sudbury’s highest median quoted premium ($1,808) is P3A, while P3B’s ($1,671) is the lowest. That’s a $137 difference for essentially the same driver information.
However, the accident section goes on to report accident-record shares of 12.9% in P3A and 12.1% in P3B, which alone cannot account for the pricing difference. Insurers will look at the address as well as the car, driving history, annual mileage, coverage and other rating factors.
| Postal Code | Median Annual Car Insurance Premium |
|---|---|
| P3A | $1,808 |
| P3C | $1,796 |
| P0M | $1,789 |
| P3G | $1,778 |
| P3E | $1,760 |
| P3N | $1,699 |
| P3B | $1,671 |
Accident Rates by Postal Code in Sudbury
Some areas of Sudbury are more prone to accidents than others, and your postal code plays a role in determining how much you pay for car insurance. This chart displays the % of drivers involved in an accident in each of Sudbury’s postal codes. Data source: MyChoice, compiled from over 50,000 quotes.
Source: MyChoice Quote Database
The average percentage of Sudbury drivers with an accident on record is 12.5%. However, this varies between locations. The lowest percentage is found in some areas (11.0%) while the highest is in other areas (15.8%).
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%
The accident rate for Minnow Lake (P3P) is nearly 1.5 times as large as the accident rate for Garson (P3N).
Rock Cuts, Winter Roads, and Wildlife in Sudbury
Drivers in Sudbury deal with rock cuts, curves, winter snow, wildlife, and greater distances between communities. It is not uncommon for shaded pavement to remain icy even after surrounding areas have cleared. Slow down at night, carry emergency supplies, and check Ontario 511 for current road conditions.
Read More: Vehicles Well Suited to Canadian Winters and Northern Roads
How Sudbury Car Insurance Compares with Nearby Cities
For a driver with those qualifications, the median quoted premium in Sudbury is lower than in any other comparable Northern Ontario or nearby Canadian city included here. In fact, North Bay is $268 higher, and Sault Ste. Marie is $403 higher.
While these differences may be helpful as a guide to each region, they shouldn’t be thought of as individual quotes since each insurer also prices your address, car, history and coverage in each city.
| City | Median Annual Car Insurance Premium | Difference from Sudbury Premium |
|---|---|---|
| Sudbury, ON | $1,764 | — |
| North Bay, ON | $2,032 | +15.2% |
| Timmins, ON | $2,145 | +21.6% |
| Sault Ste. Marie, ON | $2,167 | +22.8% |
| Barrie, ON | $2,203 | +24.9% |
| Thunder Bay, ON | $2,078 | +17.8% |
Inside the $1,764 Sudbury Premium
The mandatory portion of the policy accounts for the biggest chunk of Sudbury’s $1,764 premium, which is $800.87. It’s closely followed by vehicle damage coverage ($794.62). Drivers can’t strip mandatory insurance from their policy, but collision, comprehensive coverage and deductibles offer flexibility to tweak rates.
You may save money by reducing coverage, but you could pay more to repair or replace your car if you have a loss.
| Part of the policy | What is included | Median Annual Car Insurance Premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; mandatory medical, rehabilitation and attendant care; Uninsured Automobile | $800.87 |
| Vehicle damage protection | DCPD; Collision; Comprehensive | $794.62 |
| Optional Accident Benefits | Selected optional benefits shown below | $156.56 |
| Optional endorsements | OPCF 44R – Family Protection | $11.96 |
| Coverage Total: | $1,764 |
Please consult a licensed insurance professional regarding any of the optional coverages listed below before deciding whether or not to keep them.
Car Insurance Costs in Sudbury by Age
Sudbury has a much wider age-related rate difference, where the median premium is $4,132 for 18- to 20-year-olds versus $1,764 for 35- to 44-year-olds and $1,147 for 65+.
| Age | Median Annual Car Insurance Premium |
|---|---|
| 18-20 | $4,132 |
| 21-24 | $2,492 |
| 25-34 | $1,950 |
| 35-44 | $1,764 |
| 45-54 | $1,449 |
| 55-64 | $1,345 |
| 65+ | $1,147 |
How Driving History Changes Sudbury Car Insurance Rates
The clean-record median for Sudbury is $1,764. If the driver has one at-fault accident, the median jumps to $2,140. And if the driver has a minor speeding ticket, the median increases even further, to $2,720. The City of Greater Sudbury notes that automated speed enforcement tickets are issued to the registered vehicle owner, not the driver. So those are not factored into the minor-ticket profile we’ve been using.
Because fewer insurers quote impaired- and stunt-driving risks, and the results are more erratic, treat the figures below as rough guides.
| Driving record | Median Annual Car Insurance Premium |
|---|---|
| Clean | $1,764 |
| Minor speeding ticket | $2,720 |
| One at-fault accident | $2,140 |
| Insurance cancellation (non-payment) | $2,280 |
| Licence suspension | $2,118 |
| Impaired driving conviction | $3,830 |
| Stunt driving conviction | $3,013 |
Read More: How Collisions Can Affect Sudbury Insurance Premiums
How Vehicle Choice Affects Car Insurance in Sudbury
You’d be surprised how much car insurance rates differ between two cars that have similar costs. For example, the 2025 Mitsubishi Eclipse Cross carries a median annual premium of $1,579, but the 2017 Ford Fusion has a median premium of $2,951, even though the price of each car when new is relatively comparable.
| Make | Model | Model year | Vehicle price | Median premium |
|---|---|---|---|---|
| Mitsubishi | Eclipse Cross Se 4Dr Awd | 2025 | $34,542 | $1,579 |
| Ford | Fusion Se 4Dr Awd | 2017 | $32,222 | $2,951 |
| Jeep | Grand Cherokee Laredo 4Dr 4Wd | 2021 | $50,605 | $2,122 |
| Volkswagen | Jetta 1.4 Tsi 4Dr | 2016 | $20,819 | $2,403 |
| Chevrolet | Malibu Lt 4Dr | 2009 | $34,020 | $2,122 |
What Are the Best Ways to Keep Insurance Affordable With a New Driver in Sudbury?
A young or new driver will increase the household premium at a rapid pace. If they do not need their own vehicle yet, see if it would be cheaper to have them drive as an occasional driver on one of your other vehicles.
Look for a government-approved driver-training discount, winter-tire discount, and telematics. If you have more than one vehicle in the family, determine which vehicle is less expensive to insure for the new driver to drive.
Read More: How Much Does It Cost to Add a Teen Driver in Ontario
