Sudbury Car Insurance: Compare Cheap Quotes

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Get the best auto insurance in Sudbury

Driving is an embedded part of living in Sudbury, and as a result, so is the need for a good car insurance policy. The city is known for its interchangeable wilderness and urban settings, making driving a unique experience. This means you need reliable auto insurance to ensure protection for all situations in Sudbury.

At ThinkInsure, we’ll help you compare quotes and get the best coverage from the top insurance companies in Canada. Get started by comparing quotes online or give us a call to save more on car insurance in Sudbury.

Top things to know about car insurance in Sudbury

Car insurance premiums are lower than the provincial average.
Sudbury is one of the most affordable cities for auto insurance in Northern Ontario.
Coverage is mandatory, but you have more savings options when using a broker who can compare quotes from multiple insurers.

How do you compare Sudbury car insurance quotes

Just complete these quick and easy steps to see quotes from our providers.

1) Start your quote

Enter some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare

See rates from the leading companies.

Choose your policy

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

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5 star auto insurance in Sudbury

Rated 4.7 out of 5 stars in 1516 Google reviews

See what our auto insurance customers are saying about us.

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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.

About auto insurance in Sudbury

Car insurance in Sudbury works the same as it does across the rest of the province. Here’s a quick summary of car insurance in Ontario:

Car insurance rules are determined at the provincial level
FSRAO regulates the industry
Coverage is mandatory
All drivers must carry $200,000 in third-party liability
A no-fault system is in effect
Private insurance companies and brokerages offer coverage
There are two main types of coverage – mandatory and optional
You can increase plan limits and add endorsements to personalize your policy

Mandatory coverage includes

Third-party liability: You need to have a minimum insurance coverage of $200,000.
Statutory accident benefits: This covers medical expenses if you get injured in a car accident.
Direct compensation property damage: This coverage pays for vehicle repairs if you are not responsible for a collision. Starting from January 1, 2024, it will become an optional coverage. Drivers will have the option to remove this coverage from their policy using OPCF 49, which will lead to a reduction in their premiums. However, it is important to note that removing this coverage means you will take on additional financial responsibility in the event of an accident. Therefore, it is highly recommended that you speak with your broker to determine if this option is appropriate for your situation.
Uninsured automobile: Protection in case you get into an accident with an uninsured driver.

Optional coverage includes

Collision insurance: This refers to the coverage for any damage incurred during a collision.
Comprehensive insurance: This coverage protects against theft, vandalism, and non-driving damage.
All perils:: Your plan covers all potential risks, with the exception of those that are specifically excluded.
Specified perils: Your insurance policy only covers the specific risks that are explicitly mentioned in the policy document.

Recent Sudbury auto insurance quotes

2025/07/15

Shopper in SUDBURY, ON
Vehicle: jeep GRAND CHEROKEE L LAREDO 4DR 4WD 2023
SGI Canada	$1,501
CAA Connect	$2,157
CAA My Pace	$2,273
CAA	$2,273
Savings from top 4 cheapest quotes	$772

2025/07/09

Shopper in SUDBURY, ON
Vehicle: HYUNDAI ELANTRA PREFERRED 4DR 2025
Aviva Journey	$1,693
Aviva	$1,880
CAA My Pace	$1,930
CAA Connect	$1,942
Savings from top 4 cheapest quotes	$249

How much does Sudbury car insurance cost?

Sudbury residents do not fall in the category of expensive car insurance costs associated with big cities such as Toronto, Hamilton, and Ottawa.

Drivers in the Sudbury area pay slightly less than the provincial average for car insurance premiums. With a clean driving record, you can expect to pay, on average, about $1,771 per year. Your rates may be higher or lower depending on your coverage selection, vehicle type, age, gender, insurer, and other factors.

Auto insurance rates in Sudbury compared to local cities nearby

Drivers in Sudbury pay even less for car insurance than drivers in other cities in Northern Ontario. Here’s a comparison:

City	Avg premium
Timmins	$ 2,299
North Bay	$ 1,884
Sault Ste. Marie	$ 1,855
Sudbury	$ 1,771

Ways to get cheap Sudbury car insurance

While drivers in Sudbury have lower auto insurance, on average, compared to those in the GTA, comparing quotes to ensure you get the lowest rates year after year is still important.

With the rise of fraud, the threat of car accidents, and even though the province is taking steps to lower auto insurance, taking a proactive approach, and getting a quote before automatically renewing can save you hundreds of dollars.

Here are some simple yet effective things you can do to reduce your premiums:

Consider increasing the deductible in your policy.
Make sure you are taking advantage of savings by bundling insurance.
Be on the lookout for potential discounts. For example, you can reduce fees by installing winter tires or by adding additional security features. Insurers offer many different ways to lower your premium.
Shop around and get multiple car insurance quotes with ThinkInsure to get a lower premium.

Sudbury driving tips to keep your car insurance rates down

highway in Sudbury Ontario, Canada With its northern location, highways, country roads, and city streets, Sudbury offers drivers several unique driving experiences. The city is located along the Trans-Canada Highway at the intersection of Highways 17 and 69. Plans to extend Highway 400 to Sudbury are ongoing. While in town, you can also you can take the Georgian Bay Coastal Route and check out the beautiful northern wildlife and landscape.

Regardless of which road you are travelling on, keep the following driving tips in mind to keep your driving record clean, avoid unnecessary risks, and have an enjoyable drive.

Adjust your driving, slow down, and turn on your headlights if you encounter fog on Highway 17.
Stay up to date with road work and construction, especially on major roads that are used frequently by local drivers.
Have a copy of proof of insurance in your vehicle.
Winter tires are necessary – make sure you have high-quality snow tires to drive safely during the cold and challenging winter weather.
During the spring, be on the lookout for potholes. The cold winter weather creates countless potholes during the winter. Failure to pay attention could lead to an expensive repair bill if you hit one.
Pay extra attention when driving down single-lane country roads, especially when approaching road crossings.
During the winter, always travel with an emergency kit and make sure you have plenty of gas in the tank.
Avoid distracted driving, put your phone away, and pay attention to the road.

As with most northern cities and towns with limited public transportation systems, most people drive as their main mode of transportation. During peak hours, expect there to be a large volume of vehicles on the road. Use the above tips to plan your routes and safely get to your destination.

Sudbury car insurance FAQs

Can I get cheap car insurance in Sudbury?

If you want to get cheap car insurance in Sudbury, it’s particularly important to drive safely. Keep a clean driving record, stay claims-free, and work with an advisor to ensure you are taking advantage of available discounts. Being proactive and being an educated consumer is a key factor in saving.

What is the best company for car insurance in Sudbury?

There are many good insurance companies. CAA, Intact, Aviva, Wawanesa, Travelers, Gore, and many others have great car insurance options for drivers in Sudbury. What makes an insurer the best is having the proper coverage for your needs at the lowest price.

An easy way to find the right company to compare quotes and options from multiple insurers at the same time. ThinkInsure partners with the top companies in the country. We'll help you find the best company for your needs.

Why should I compare car insurance quotes in Sudbury?

All Sudbury drivers want to save money on car insurance. Comparison shopping allows you to see prices from a variety of insurers at once. This allows you to make a more informed decision about your policy and helps you find the lowest rates. Shop for quotes regularly to keep your rates low, even if you plan to stay with your current provider.

Why get car insurance in Sudbury with ThinkInsure?

For over 45 years, ThinkInsure has been helping Sudbury drivers with their auto insurance needs. Here are some reasons to choose us:

We can save you money: Every driver wants to spend less money on their policy, right? Sudbury drivers are no different. We are independently owned, so we have your interests in mind and will help you find the lowest rates.
We give you many choices: With our large selection of insurers, ThinkInsure provides drivers in all situations with a variety of options. Whether you are a new driver, a senior, or have had a few accidents, we can help you get insured for a great price.
We value you: Our customers are at the core of what we do. We appreciate your business, and this is reflected in how we deliver exceptional customer service. With our team of licensed experts, we will make sure your requirements are met.
It's easy and free: It's easy to get a free quote, and if you like the price, we will get you insured quickly. Whether you compare online or call 1-855-550-5515, our team will work with you to ensure you get the cheapest car insurance in Sudbury.

Compare quotes to save on Sudbury auto insurance

Saving on Sudbury auto insurance is quick and easy with ThinkInsure. We'll help you quickly compare quotes from our large selection of providers to help you save! Get started with an online quote, or give us a call, and an advisor will be happy to help you.

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Sources

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

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

Insurance Blog And News

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

2025-07-16

Compare Sudbury Car Insurance Quotes

Find cheap rates for car insurance in Sudbury and save $462*.

Compare Sudbury car insurance quotes from the leading providers

Get the best auto insurance in Sudbury

Top things to know about car insurance in Sudbury