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Sarnia is a city located in southwestern Ontario, Canada, on the shores of Lake Huron. It is situated on the border with the United States, with Port Huron, Michigan being its immediate neighbor across the St. Clair River. Sarnia has a population of approximately 71,000 people and is known for its petrochemical industry and as a transportation hub for goods being shipped between Canada and the United States.

Sarnia is home to a number of parks, beaches, and cultural attractions, including the Sarnia Bay Marina, the Lambton County Heritage Museum, and the Imperial Theatre. The city also hosts a variety of festivals and events throughout the year, such as the Sarnia Artwalk, the Sarnia Greek Festival, and the Sarnia International Street Performers Festival.

Sarnia is also known for its proximity to popular tourist destinations, such as Point Edward, which is home to the Blue Water Bridge, and the nearby town of Grand Bend, which is known for its beaches and recreational activities.

Is car insurance cheaper in Sarnia versus Toronto?

According to the Insurance Bureau of Canada, on average, car insurance rates in Ontario (where both Sarnia and Toronto are located) are the highest in Canada. Toronto tends to have higher insurance rates than smaller cities like Sarnia, as larger cities generally have more traffic congestion, higher accident rates, and higher instances of theft and vandalism.

As an example, based on the 2021 Ontario Auto Insurance Price Index Report, the average annual insurance premium for a 35-year-old driver with a clean driving record and a 2018 Honda Civic sedan was:

  • $1,525 in Sarnia
  • $2,392 in Toronto

Calculating and comparing Sarnia car insurance quotes

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To calculate and compare car insurance quotes in Sarnia, you can follow these general steps:

  1. Gather your personal and vehicle information: To get an accurate quote, you’ll need to provide information such as your age, gender, driving history, type of car, and annual mileage.
  2. Determine the type of coverage you need: The minimum required coverage in Ontario includes third-party liability, accident benefits, and uninsured automobile coverage. However, you may want to consider additional coverage options such as collision, comprehensive, and personal injury protection.
  3. Shop around and compare quotes: You can start by contacting different insurance providers, either through their websites, over the phone, or in person. Provide the same information to each provider to ensure that you are comparing apples to apples. Make sure to ask about discounts and other cost-saving opportunities.
  4. Review and select the best option: Once you’ve received quotes from multiple providers, review the coverage and cost of each option to determine which one is the best fit for you. Don’t forget to consider factors such as customer service, claims handling, and reputation.

What’s the average cost of car insurance in Sarnia per month and per year?

The average cost of car insurance in Sarnia varies depending on several factors, such as age, driving record, type of car, coverage options, and insurance provider. However, according to the Insurance Bureau of Canada, the average annual cost of car insurance in Ontario is around $1,505. Based on this average, the average monthly cost of car insurance in Sarnia would be around $125.

Here is a table showing the average cost of car insurance in Sarnia per year and per month, based on different driver profiles and car types. Please note that these are example averages and actual insurance rates can vary based on individual circumstances.

Driver Profile and Car TypeAverage Annual CostAverage Monthly Cost
35-year-old driver, Honda Civic sedan$1,200 – $1,800$100 – $150
45-year-old driver, Toyota Camry sedan$1,100 – $1,700$92 – $142
25-year-old driver, Chevrolet Camaro sports car$2,500 – $4,500$208 – $375
40-year-old driver, BMW 3 Series convertible$2,800 – $4,800$233 – $400
55-year-old driver, Ford F-150 truck$1,400 – $2,200$117 – $183
30-year-old driver, Honda Odyssey minivan$1,500 – $2,500$125 – $208
20-year-old driver with G2 license, Mazda3 hatchback$3,500 – $5,500$292 – $458
50-year-old driver with G license, Tesla Model 3 electric car$2,800 – $4,800$233 – $400

Average car insurance costs in Sarnia for different driver profiles


Here is a table showing the average car insurance costs in Sarnia per year and per month for different driver profiles:

Driver ProfileAverage Annual CostAverage Monthly Cost
New Driver$4,000 – $6,000$333 – $500
Secondary Driver$1,500 – $2,500$125 – $208
G1 Driver$5,000 – $7,500$417 – $625
G2 Driver$3,000 – $4,500$250 – $375
Full G Driver$1,200 – $1,800$100 – $150
Teenage Driver$8,000 – $12,000$667 – $1,000
Young Driver$3,000 – $5,000$250 – $417
High-risk Driver$8,000 – $15,000$667 – $1,250
17 Years Old$8,000 – $12,000$667 – $1,000
Seniors$1,200 – $2,000$100 – $167
Over 55 Years Old$1,000 – $1,500$83 – $125
Students$3,000 – $5,000$250 – $417
International Driver$4,000 – $6,000$333 – $500
Newcomers$4,000 – $6,000$333 – $500
Men Driver$2,500 – $4,500$208 – $375
Women Driver$2,000 – $3,500$167 – $292
Married Couples$1,200 – $1,800$100 – $150
Uber$4,000 – $6,000$333 – $500

Average car insurance costs in Sarnia for different types of cars

g2 driver

Here is a table showing the average car insurance costs in Sarnia per year and per month for different types of cars:

Car TypeAverage Annual CostAverage Monthly Cost
Sedan$1,200 – $2,000$100 – $167
Convertible$2,000 – $4,000$167 – $333
Hatchback$1,500 – $2,500$125 – $208
Wagon$1,500 – $2,500$125 – $208
Coupe$2,500 – $4,000$208 – $333
SUV$1,800 – $3,000$150 – $250
Truck$1,500 – $2,500$125 – $208
Minivan$1,800 – $3,000$150 – $250
Van$1,800 – $3,000$150 – $250
Electric Car$2,500 – $4,000$208 – $333
Hybrid Car$2,000 – $3,500$167 – $292
Multi CarVariesVaries
Exotic Car$8,000 – $15,000$667 – $1,250
Sports Car$2,500 – $4,500$208 – $375
Leased cars$1,800 – $3,000$150 – $250
2 Door$2,500 – $4,000$208 – $333

Average car insurance costs in Sarnia based on different driving histories

Here is a table showing the average car insurance costs in Sarnia per year and per month based on different driving histories:

Driving HistoryAverage Annual CostAverage Monthly Cost
Clean driving record$1,200 – $2,000$100 – $167
1 at-fault accident$1,800 – $2,800$150 – $233
1 non-fault accident$1,500 – $2,500$125 – $208
DUI conviction$4,500 – $7,000$375 – $583
1 speeding ticket$1,500 – $2,500$125 – $208

Which companies and brokers offer car insurance quotes in Sarnia?

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There are several insurance companies and brokers that offer car insurance quotes in Sarnia. Here is a list of 20 companies and brokers in alphabetical order:

  1. Allstate Insurance
  2. Ambroziak & Rao Insurance Brokers
  3. Cowan Insurance Group
  4. Dalton Timmis Insurance Group
  5. Desjardins Insurance
  7. First Durham Insurance & Financial Ltd.
  8. Intact Insurance
  9. JD Smith Insurance Brokers
  10. Johnson Insurance
  11. Jones-Dooley Insurance Brokers
  12. Mitchell & Whale Insurance Brokers
  13. Oracle RMS Insurance Brokers
  14. Pearson Insurance Services Limited
  15. RBC Insurance
  16. State Farm Insurance
  17. Surex Direct
  18. The Co-operators
  19. The Wiegand Group Insurance Broker
  20. Youngs Insurance Brokers

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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