Sault Ste Marie Car Insurance: Find Cheap Auto Insurance Quotes

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Save up to $1,044* with cheap rates for car insurance in Sault Ste Marie car insurance.

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Sault Ste. Marie car insurance can be expensive. Fraud, claims, and having a ticket or two on your record all impact the cost of your policy. Even if you have a clean driving record, many other factors influence the cost of car insurance in Sault Ste. Marie.

The good news is you can do something about it. Working with an insurance expert like ThinkInsure is a good option if you want to get the lowest rates. Our team can help you compare quotes and find the best rates and coverage. Get started by comparing quotes online or over the phone. We'll help you find a better rate on auto insurance in Sault Ste. Marie.

Top facts about car insurance in Sault Ste. Marie

Sault Ste. Marie car insurance is about $100 more per year compared to the provincial average.
Premiums are more affordable compared to other larger cities in Northern Ontario.
Insurance brokers are the best way to shop, compare, and find the lowest premiums.

How do you compare Sault Ste. Marie car insurance quotes

It's easy! Just complete the quick and easy steps and start saving.

1) Start Your Quote

Enter your postal code and some basic information.

2) Enter Your Driving Details

Provide your driving and vehicle information.

3) Compare Quotes

See rates from the leading companies.

Choose Your Policy

Choose the lowest rate. Confirm the details with our experts and buy your insurance.

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5 Star Car Insurance in Sault Ste. Marie

Rated 4.7 out of 5 stars in 1516 Google reviews

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Mariann Szekeres

2025-06-20

Thank you Sohel for all your help in finding the right insurance for me, I greatly appreciate it.

Zach Barnett

2025-06-06

Excellent Experience sorting out insurance with Todd A. Very helpful and friendly Thank you !

Mike C

2025-05-30

Great service and seamless process. Todd was great!

Mike Chernikov

2025-05-29

Very polite and easy to work with. Tried many companies before this one. Got help same day. Would recommend

Bumsniff McCheeze

2025-05-29

Amazing place to go for tenants insurance...needed help quickly and didn't know how to go about it. Todd one the agents went above and beyond on help fulfill my request, was courteous, polite and knowledgeable and hooked me up with exactly what I needed to secure tenants insurance and move into my new home. Wouldn't have happened without his help and he is very much appreciated!!! As is the company itself...very affordable rates and payment options and made everything easy and seamless. Thanks again! Your rock!

garth dangerfield

2025-05-28

I have been a customer since 2022 at Thinkinsure- overall very pleased! Recently I had a bit of a problem with my policy, nothing to do with Thinkinsure - rather the insurance company that was solved, but I will say I'm grateful for Thinkinsure's help specifically a very nice woman Felicia - she took control & was extremely helpful. Thank you Felicia

Clare Wanzama

2025-05-22

I can't recommend Sohel enough! He went above and beyond to help me get car insurance despite my challenging driving history. He was professional, patient, and truly dedicated to finding the best possible coverage for my situation. I felt supported every step of the way, and he made a stressful process so much easier. If you need someone who genuinely cares and will work hard for you, Sohel is your guy. Thank you for everything!

K Stephens

2025-05-13

The service Betsy Bannon provided was exceptional. Her prompt responses and detailed options easily convinced us to move our business from elsewhere to ThinkInsure.

Mandatory and optional auto insurance in Sault Ste. Marie

Auto insurance works the same in Sault Ste. Marie as it does in other parts of the province. Car insurance in Ontario is mandatory, and all drivers must carry a minimum amount of coverage. You can take out extra coverage to increase your policy limits.

You buy coverage directly from private insurers or through a broker. Your options may vary based on the provider.

Mandatory car insurance

This is included in all policies:

Third party liability: $200,000 is the minimum coverage required, but most drivers opt for $1-2 million in protection.
Statutory accident benefits: If you or your passengers experience any injuries in a car accident, you will be eligible to receive medical benefits.
Uninsured automobile coverage: If you get hit by an uninsured motorist, you can receive coverage for medical expenses and vehicle repair costs.

Most drivers have more and personalize their plans to meet their specific driving requirements.

Direct Compensation Property Damage (DCPD) covers accident damage when you are not at-fault. Starting January 1, 2024, DCPD will no longer be mandatory. You can choose not to include this coverage using OPCF 49.

Optional auto insurance

You can add the following to enhance your plan:

Collision insurance: If you happen to be in a car accident, your vehicle is covered for repair costs. This ensures that you are protected and that your car is taken care of.
Comprehensive insurance: It's important to safeguard your vehicle from perils that may not be related to accidents, like theft, vandalism, or falling objects.
Specified perils insurance: The plan covers the loss caused by perils that are listed, such as fire, theft, weather damage, and others.
All perils insurance: Unless excluded, all perils are covered.

Latest Sault Ste Marie car insurance quotes

2025/05/29

Shopper in SAULT STE MARIE, ON
Vehicle: DODGE/RAM DURANGO LIMITED 4DR AWD 2014
CAA My Pace	$812
Pembridge	$1,231
GORE	$1,584
SGI Canada	$1,750
Savings from top 4 cheapest quotes	$938

2025/05/07

Shopper in SAULT STE MARIE, ON
Vehicle: KIA TELLURIDE EX V6 4DR AWD 2025
CAA My Pace	$1,073
SGI Canada	$1,427
Intact	$1,853
CAA Connect	$1,870
Savings from top 4 cheapest quotes	$797

How much does auto insurance in Sault Ste. Marie cost?

In a smaller town, drivers pay less premiums than in other cities. Claims-free drivers with a clean driving record can expect to pay between $1,500 and $2,000 per year. Based on our customer quote data, Sault Ste. Marie drivers pay $1,855 per year. This is about $100 more than the provincial average of $1,737.

Car insurance rates in Sault Ste. Marie from 2022-2023

Auto insurance costs are on the rise, not only in Sault Ste. Marie, but across the board. Here’s an overview of how much rates can change from year to year:

Year	Average annual premium
2023	$ 1,855
2022	$ 1,232
Average rate (2022-23)	$ 1,544

Car insurance premiums in Sault Ste. Marie compared to local cities nearby

Compared to other cities in the Northern part of Ontario, Sault Ste. Marie is one of the more affordable cities. Here’s how it compares to other similar cities:

City	Avg premium
Timmins	$ 2,299
Thunder Bay	$ 1,989
Sault Ste. Marie	$ 1,855
Sudbury	$ 1,771

***

How can I get cheap Sault Ste. Marie car insurance?

cars driving on roads in Sault Ste Marie

Our experts can help you get cheaper rates. We work for you. We’ll provide you with unbiased advice about how you can lower your premiums:

Take advantage of discounts: We’ll ensure you are taking advantage of all available discounts.
Bundle coverage: We’ll help you combine your home and auto insurance under one policy so you can save more.
Choose the right coverage: We’ll ensure you have the policy you need to meet your driving needs.
Focus on safety and risk aversion: Our brokers will provide expert advice about improving vehicle safety and avoiding risks, all of which will help lower your rates.

Sault Ste. Marie car insurance FAQs

When should you compare auto insurance quotes in Sault Ste. Marie?

There is never a bad time to compare quotes for Sault Ste. Marie auto insurance. Here are the most common:

Your policy is up for renewal
You want to switch providers
You are getting insurance for the first time
You’re just curious – you want to see the current premiums

What are some driving tips to help lower your car insurance in Sault Ste. Marie?

Here are some great tips to help you save on car insurance in Sault Ste. Marie:

Expect delays near the border: If you are driving near the International Bridge, expect traffic delays. Traffic can get backed up at Queen Street and Huron Street.
Watch out for wildlife: Whether you are driving along Highway 17 or within the city limits, watch out for wildlife. They are commonly present at dusk and dawn.
Use winter tires: Cold and snowy winters are common up north. Equipping your vehicle with proper snow tires will help you get the best traction. You’ll also qualify for a discount.

What is the best company for auto insurance in Sault Ste. Marie?

There are many good auto insurance companies in Sault Ste. Marie drivers can get insured. The one that is best for you depends on your driving and insurance needs. ThinkInsure works with leading insurers in Canada like CAA, Intact, Aviva, Economical, Travelers, and many more. We'll help you find the one with the best coverage and price.

Get a free quote for Sault Ste. Marie auto insurance

We make it easy for you to compare the best car insurance quotes and find a lower rate. You can quickly see coverage options and prices from Canada's top providers in just a couple of minutes. Get a quote online or over the phone to save more today!

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Sources

* Based on the difference between the average lowest premium and the overall average premium in {CITY} for estimates completed from January 1 to December 31, 2023, for drivers with a clean driving record.

** Estimated premiums are based on data entered by individuals on ThinkInsure.ca from 2019-2023.

*** Estimated prices are based on data from January 1, 2023, to December 31, 2023, by drivers with a clean driving record living in {CITY} on ThinkInsure.ca.

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2025-06-22

Compare Sault Ste Marie Car Insurance Quotes

Save up to $1,044* with cheap rates for car insurance in Sault Ste Marie car insurance.

Compare Sault Ste Marie car insurance quotes from the leading providers

Save more on Sault Ste. Marie auto insurance

Top facts about car insurance in Sault Ste. Marie