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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 Sudbury

  • Sudbury car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Sudbury for a driver with comprehensive/collision coverage and a clean record is around $1,406.
  • Comparing Sudbury auto insurance quotes with MyChoice can save you up to $998 annually.

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:

BrokerageAddressPhone number
Sudbury Insurance Brokers860 Lasalle Blvd 2nd Floor
Greater Sudbury, ON P3A 1X5, Canada
+17056752241
United Link Insurance Brokers Sudbury1390 Kingsway #1
Greater Sudbury, ON P3B 0A3, Canada
+17052225465
BrokerLink1400 Marcus Dr
Greater Sudbury, ON P3B 4K5, Canada
+17056751307
Gifford Carr Insurance Group1361 Paris St Unit 202
Greater Sudbury, ON P3E 3B6, Canada
+17054192888

Most Expensive Postal Codes in Sudbury

The average car insurance rate in Sudbury is $1,406, which is cheaper than Ontario’s provincial average of $1,673/year. The P3C area in Sudbury has the highest car insurance premium rates, detailed in the table below:

Postal CodeAverage Annual Car Insurance Premium
P3C $1,480
P3G$1,475

Least Expensive Postal Codes in Sudbury

The P3B area in Sudbury has the lowest car insurance premium rates in the city.

Postal CodeAverage Annual Car Insurance Premium
P3B$1,361
P3E$1,371

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:

AgeAverage Annual RatesAverage Savings with MyChoice
18-20$5,019$998
21-24$2,868$570
25-34$1,912$380
35-44$1,406$280
45-54$1,153$230
55-64$980$195
65+$1,118$222

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 ViolationAverage Annual Car Insurance Premium
Clean driving record$1,406
Insurance cancellation due to non-payment$2,306
Licence suspension for alcohol-related offences$1,687
One accident$3,093
Speeding ticket$1,828

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 commutingCountsRates
Total – 25% sample data60,840100.0
Car, truck or van54,71589.9%
Car, truck or van – as a driver50,89583.7%
Car, truck or van – as a passenger3,8206.3%
Public transit2,5154.1%
Walked2,0753.4%
Bicycle2450.4%
Other method1,2902.1%

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 durationCountsRates
Total – 25% sample data60,840100.0
Less than 15 minutes21,85535.9%
15 to 29 minutes24,71040.6%
30 to 44 minutes9,16515.1%
45 to 59 minutes2,7704.6%
60 minutes and over2,3453.9%

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

How much does Sudbury car insurance cost?

On average, Sudbury car insurance costs $1,406/year.

Is car insurance cheaper in Sudbury than in North Bay?

Yes, car insurance is cheaper in Sudbury than in North Bay by roughly $50 per year.

Why should you compare car insurance rates in Sudbury?

You should compare car insurance rates in Sudbury because different policy providers provide similar coverage at different rates. Comparing rates will help you find an insurance policy with the best value.

How can you get cheaper auto insurance in Sudbury?

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

Sources

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

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

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

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

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

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

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

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

9. 511 Ontario Traveller Information, Ontario, Sudbury.

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