Mandatory and Optional Auto Insurance in Sault Ste. Marie
![Red car driving down the road]()
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.
