Affordable Car Insurance in Sudbury from $112/month

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	$757
Highly Recommended	– Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43	$941
Coverage Total:		$1,698

Mandatory Coverages

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	$237
Accident Benefits	Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault	$507
Uninsured Automobile	Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage	$13
Coverage Total:		$757

*The above coverages are mandatory in Sudbury and will always be included in a standard car insurance quote.

Highly Recommended Coverages

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.	$417
Collision	Covers your vehicle if you hit another car or object and you’re found at fault.	$254
Comprehensive	Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather.	$183
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.	$21
OPCF 27: Rental Vehicle	Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them.	$22
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.	$17
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.	$25
OPCF 43: Waiver of Depreciacion	Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off.	$2
Coverage Total:		$941

*Any of the above highly recommended coverages in Sudbury may be removed from your quote, but we strongly recommend keeping them to have adequate protection.

Most Expensive Postal Codes in Sudbury

The average car insurance rate in Sudbury is $1,698, which is cheaper than Ontario’s provincial average of $1,874/year. 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	$1,769
P3G	$1,755

Least Expensive Postal Codes 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	$1,627
P3E	$1,641

How Sudbury Car Insurance Rates Compare to Nearby Cities

Sudbury’s car insurance rates are some of the highest in the region. You can see how they compare to some of the neighbouring cities in the table below.

City	Average Annual Car Insurance Premium
Sudbury, ON	$1,698
North Bay, ON	$1,672
Timmins, ON	$1,607
Sault Ste. Marie, ON	$1,743
Thunder Bay, ON	$1,926
Barrie, ON	$1,915

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	Average Savings with MyChoice
18-20	$4,873	$969
21-24	$2,513	$500
25-34	$1,936	$385
35-44	$1,698	$338
45-54	$1,443	$287
55-64	$1,341	$267
65+	$1,375	$274

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	$1,698
Insurance cancellation due to non-payment	$2,360
Licence suspension for alcohol-related offences	$1,783
One at-fault accident	$3,328
Minor speeding ticket	$2,055

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
Volkswagen	$1,562
Honda	$1,558
Toyota	$1,788
Tesla	$1,668
Hyundai	$1,713
Audi	$2,111
BMW	$1,976
Mazda	$1,583
Mercedes	$1,682
Subaru	$1,474

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

Main Mode of Commuting in Sudbury

Almost 90% of Sudbury’s commuters travel to work by car or other personal vehicle, so you can expect lots of traffic during peak hours. Only a very small percentage of Sudbury commuters use public transit or walk to work, at 4.1% and 3.4% respectively. Here’s a closer look at how commuters in Sudbury get to work:

Main mode of commuting	Counts	Rates
Total – 25% sample data	60,840	100.0
Car, truck or van	54,715	89.9%
Car, truck or van – as a driver	50,895	83.7%
Car, truck or van – as a passenger	3,820	6.3%
Public transit	2,515	4.1%
Walked	2,075	3.4%
Bicycle	245	0.4%
Other method	1,290	2.1%

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: January – May, October – December

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 256 hours per year.
• Busiest highways: Sudbury’s busiest highways are Highway 17, Highway 144, and Highway 69 located north of Highway 400, Ontario’s second-largest freeway.

The Most Common Questions About Car Insurance in Sudbury