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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. InsuranceHotline.com 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 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 you’re looking for ways to save money on car insurance in Sudbury, the best way to save is to compare rates. Here’s 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 InsuranceHotline.com) 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 InsuranceHotline.com:

  • 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, InsuranceHotline.com 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 ratestoday to see if you can lower your Sudbury car insurance premiums too!

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

If you’ve moved recently, it’s the perfect time to check to see if your current insurer still offers you the best available rate at your new address. It’s estimated that about 12.1 per cent of Sudbury’s population have either moved to Sudbury (or within Sudbury) in the last year. That’s 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!