Cheap Sudbury Car Insurance Quotes

Sudbury drivers save $442* on average by comparing car insurance quotes on

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How does Sudbury auto insurance work?

If you live and drive in Sudbury, or anywhere else in Ontario, you must have valid auto insurance. Driving without one is illegal and can cost you $5,000 to $50,000, if fined.

Standard auto insurance in Sudbury includes third-party liability, statutory accident benefits, and uninsured auto insurance. You can purchase more coverage, if you need it. Just be aware that doing so will increase your insurance rate.

Auto insurance in Sudbury works under a no-fault system and can only be purchased from private insurance providers. Comparison shopping on can help you find the best rates from the top insurers in Sudbury.


Changes to Ontario's auto insurance in 2024

Ontario is currently in the process of reforming how auto insurance works in the province. The goal of this is to reduce the amount of coverage drivers are forced to take out, and in turn, lower their premiums.

Some of the proposed changes include:

  • Option to remove the caregiver benefit, housekeeping and home maintenance expenses benefit, income replacement benefit, and death and funeral benefits (benefits for medical, rehabilitation, and attendant care will remain mandatory, however).
  • Making auto insurance companies the first payer for medical and rehabilitation benefits (at the moment, a person's private medical insurance is the first payer). This change is meant to streamline the claims process and lead to earlier resolution.
  • Option to remove direct compensation for property damage (DCPD) coverage (in effect since January 2024).

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Shopping for Sudbury auto insurance quotes

Greater Sudbury is home to more than 164,000 people, 75,000 pets, 300 lakes and one rather famous Big Nickel. This Northern Ontario city is traditionally known for its mining community, but recent environmental efforts combined with the popularity of the Canadian comedy show Letterkenny have brought Sudbury’s fame to a new audience. Surrounded by breathtaking views, Sudbury is perfect for long walks in the park and scenic drives with the family.

If you’re looking to save money on your car insurance, you’ve come to the right place. is all about providing drivers from Sudbury (and beyond) with the best car insurance rates on the market. We make it easier and faster to save by comparing car insurance quotes from multiple providers in five minutes or less, helping you to pay less on your premiums. Saving money on your Sudbury auto insurance now means more “Big Nickels” in your wallet later.  

Sudbury auto insurance 101

If you own a car, you legally must also own a car insurance policy. However, no two policies are the same and if youre looking for ways to save money on car insurance in Sudbury, the best way to save is to compare rates. Heres what else you need to know.

Driving in Sudbury

Sudbury drivers have indicated that on average they drive about 14,690 kilometres a year and have a daily commute of about 11 kilometres each way. These commutes (according the Sudbury car insurance quotes obtained through involve driving a Honda, Toyota, Ram Truck, Ford Truck, Chevrolet, Chevrolet Truck, Pontiac, Mazda, Hyundai, and Volkswagen. Honda is the most common car brand, not surprising given that it is the best-selling car in Canada.

During the last census, Sudbury residents who are of working age overwhelming said they drove to work at 82.7 per cent, while 6 per cent indicated they get a ride as a passenger. The rest. either walk, bike, take public transit or another form of transportation. The average commuting time in Sudbury is 15.8 minutes.

How does living in Sudbury affect my rates?

Insurers take a number of factors into consideration when determining your auto insurance rate, one of which is where you live. In general, rural areas tend to be cheaper than urban areas due to the lower density of the population, less cars on the road, and a decreased likelihood of a claim. Since Sudbury and the surrounding area contains a little bit of both, your neighbourhood can have an impact on your rates.

Insurance rates also differ depending on your personal driving record, which includes tickets, collisions, years licensed and insured, and licence suspensions, for example. 

While getting quotes at

  • Almost 70.5 per cent of Sudbury drivers indicated they have a clean driving history with no tickets, accidents or licence suspensions;
  • 14 per cent of drivers admit to having at least one traffic ticket;
  • 9.2 per cent admit to having been involved in at least one collision, and
  • 2.6 per cent admit to having at least one ticket and one accident 

What else goes into determining the cost of my auto insurance policy?

Car insurance rates are always changing and if you don’t regularly compare car insurance quotes there’s a good chance you’re overpaying for the coverage you need.

In addition to where you live, your driving record and driving history, there are several other factors that go into determining your auto insurance rate including:

  • The type of car you drive. Like individual drivers, each vehicle is rated differently too. Insurers factor in things like how susceptible your vehicle is to theft, it’s safety ratings, security measures and so on. 
  • How often and how far you drive. The more time you spend on the road the more likely it will affect your insurance rate.
  • The deductibles you choose. Deductibles are the portion you pay in the event of a claim. The higher your deductibles, the lower your rate.
  • The coverages you choose. In addition to the required minimums, you can opt to increase your coverage, or choose to have optional coverages included in your policy which will factor into your rate. Some of these optional coverages, for example, include collision and comprehensive coverage.

How much money can I save on my Sudbury car insurance?

Saving on Sudbury car insurance is as easy 

On average, shoppers across Canada saved $450 in 2017 after comparing car insurance rates.

For Sudbury drivers in particular, savings averaged closer to $186 per driver. This is because premiums are slightly lower in Sudbury compared to other cities in the province. To put this in perspective, Sudbury drivers were paying an average of $1,552 for their auto insurance at the time of quote, compared to the provincial average of $1,952.

How do your rates stack up? Compare your Sudbury car insurance rates today to see if you can lower your Sudbury car insurance premiums too!

Sudbury mandatory and optional car insurance coverage

Insurance typeMandatory coverageOptional/ Additional Coverage
Third-Party Liability$200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault.Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit.
Uninsured Automobile InsuranceProvides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist.Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist.
Statutory Accident BenefitsProvides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP.Coverage limits can be increased.
Direct Compensation-Property Damage (DC-PD)OptionalDCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. 
Collision Coverage (Also Upset Coverage)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism.
Specified Perils CoverageOptionalCovers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen.
OPCF 27: Liability for Damage to Non-Owned Automobile(s)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car.
OPCF 43: Waiver of depreciationOptionalEnsures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car.
OPCF 44R: Family protection coverageOptionalEnsures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder.
OPCF 13C: Limited glassOptionalFor a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy.
OPCF 40: Fire and theft deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.
OPCF 49: Agreement not to recover for loss or damage from an automobile collisionOptionalRemoves DCPD coverage from your Ontario Automobile Policy. You forfeit your right to compensation for physical damage caused to your vehicle by an at-fault driver. You cannot sue for repairs, either.

Fun Facts For Sudbury Drivers

Driving and vehicle stats from the thousands of quotes completed by Sudbury drivers each year on

Average car insurance savings for drivers in Sudbury: $977*

Most popular vehicles insured by Sudbury-based married couples: Toyota Rav4, Honda Civic, Toyota Camry

Most popular vehicles insured by singles in Sudbury: Chevrolet Cruze, Nissan Sentra, Dodge Grand Caravan

Percentage of Sudbury drivers who have had no accidents in the past 10 years:88.49%

Average kilometres driven by Sudbury drivers annually: 14,417 km

Most common professional association discounts for Sudbury drivers: Cambrian College, Laurentian University of Sudbury, Laurentian University of Sudbury Students, Cambrian College Alumni Association

Data based on quotes completed by Sudbury drivers on between January 1 and December 31, 2018.

*Shoppers in Sudbury who obtained a quote on from January to December 2023 saved an average of $442 per year. The average savings represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third-lowest quoted premiums generated by

Recently moved to Sudbury? Moving is the perfect opportunity to save

If youve moved recently, its the perfect time to check to see if your current insurer still offers you the best available rate at your new address. Its estimated that about 12.1 per cent of Sudburys population have either moved to Sudbury (or within Sudbury) in the last year. Thats 12 per cent of drivers who should definitely be checking their rates to see if a lower Sudbury car insurance rate is available.

Other opportunities to save include when you purchase a new home or vehicle, retire, have a baby, get a new job, or achieve another milestone. Individual factors can add up to big savings!