Quote data from MyChoice.ca, October 2024
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 |
Most Expensive Postal Codes in Sudbury
The average car insurance rate in Sudbury is $1,419, which is cheaper than Ontario’s provincial average of $1,689/year. The P3C area in Sudbury has the highest car insurance premium rates, detailed in the table below:
| Postal Code | Average $0;| $1,494 | |
|---|---|---|
| P3G | $1,489 |
Quote data from MyChoice.ca, October 2024
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 | $1,374 |
| P3E | $1,384 |
Quote data from MyChoice.ca, October 2024
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 Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $5,066 | $1,007 |
| 21-24 | $2,895 | $575 |
| 25-34 | $1,930 | $384 |
| 35-44 | $1,419 | $283 |
| 45-54 | $1,164 | $232 |
| 55-64 | $989 | $197 |
| 65+ | $1,129 | $224 |
Quote data from MyChoice.ca, October 2024
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 | $1,419 |
| Insurance cancellation due to non-payment | $2,328 |
| Licence suspension for alcohol-related offences | $1,703 |
| One accident | $3,122 |
| Speeding ticket | $1,845 |
Quote data from MyChoice.ca, October 2024
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
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.