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Sault Ste. Marie is a city located in Northern Ontario, Canada. It is situated on the St. Mary’s River, which forms the border between Canada and the United States, and is the third largest city in Northern Ontario after Sudbury and Thunder Bay.

The city is known for its rich history and cultural heritage, as well as its natural beauty and outdoor recreation opportunities. It is home to many parks and trails, as well as attractions such as the Canadian Bushplane Heritage Centre, the Sault Ste. Marie Canal National Historic Site, and the Ermatinger Clergue National Historic Site.

In terms of car insurance, Sault Ste. Marie is served by a number of insurance providers and brokers, including major companies such as Allstate, Aviva, and Intact, as well as local providers such as Algoma Insurance Brokers and Searles Insurance. The cost of car insurance in Sault Ste. Marie can vary depending on factors such as the driver’s age, driving history, the type of car being insured, and the level of coverage selected.

Is car insurance cheaper in Sault Ste. Marie versus Toronto?

As car insurance costs can vary depending on a number of factors, it’s difficult to give an exact comparison between Sault Ste. Marie and Toronto. However, here’s an example of how car insurance costs could differ between the two cities for a typical driver:

Let’s assume the driver is a 35-year-old male with a clean driving record, insuring a 2018 Honda Civic LX.

In Sault Ste. Marie, the average annual cost for car insurance could range from $1,200 to $1,800. This would translate to a monthly cost of $100 to $150.

In Toronto, the average annual cost for car insurance could range from $1,800 to $2,500. This would translate to a monthly cost of $150 to $210.

Calculating and comparing Sault Ste. Marie car insurance quotes

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To calculate and compare car insurance quotes in Sault Ste. Marie, you can follow these general steps:

  1. Gather information about your driving history, including accidents, tickets, and any other incidents.
  2. Collect information about your vehicle, including make, model, and year, as well as any safety features or modifications.
  3. Decide on the level of coverage you need, such as liability, collision, or comprehensive coverage.
  4. Research insurance providers and brokers in Sault Ste. Marie, and obtain quotes from several different companies.
  5. Compare the quotes you receive, taking into account the level of coverage, deductibles, and any additional features or benefits offered by each provider.
  6. Choose the insurance policy that best fits your needs and budget.

What’s the average cost of car insurance in Sault Ste. Marie per month and per year?

The average cost of car insurance in Sault Ste. Marie can vary depending on a number of factors, such as the driver’s age, driving record, the type of car being insured, and the level of coverage selected. However, here are some example average costs of car insurance in Sault Ste. Marie:

For a 35-year-old driver with a clean driving record, insuring a 2018 Honda Civic LX with liability coverage, the average cost of car insurance in Sault Ste. Marie could be around $100 to $150 per month or $1,200 to $1,800 per year.

For a 25-year-old driver with a speeding ticket on their record, insuring a 2015 Toyota Corolla with collision coverage, the average cost of car insurance in Sault Ste. Marie could be around $200 to $250 per month or $2,400 to $3,000 per year.

Here’s a table of example average costs of car insurance in Sault Ste. Marie, both per year and per month, for different driver profiles and car types:

Driver ProfileCar TypeCoveragePer Year CostPer Month Cost
Clean driving record2018 Honda Civic LXLiability$1,200-$1,800$100-$150
Clean driving record2015 Toyota CorollaCollision$1,800-$2,500$150-$210
Young driver2018 Honda Civic LXLiability$2,400-$3,500$200-$290
Young driver2015 Toyota CorollaCollision$3,500-$5,000$290-$415
High-risk driver2018 Honda Civic LXLiability$5,000-$8,000$415-$670
High-risk driver2015 Toyota CorollaCollision$8,000-$12,000$670-$1000
Married couple2018 Honda Civic LXComprehensive$1,000-$1,500$85-$125
Married couple2015 Toyota CorollaComprehensive$1,200-$2,000$100-$170

Average car insurance costs for different driver profiles

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Here’s a table with estimated average car insurance costs for different driver profiles in Sault Ste. Marie, Ontario. Please note that these are just estimates and your actual cost may vary based on several factors, including driving record, location, and insurance coverage options.

Driver ProfileAverage Cost Per YearAverage Cost Per Month
New Driver$2,500 – $5,000$208 – $416
Secondary Driver$1,200 – $2,500$100 – $208
G1 Driver$3,500 – $6,000$292 – $500
G2 Driver$1,500 – $3,500$125 – $292
Full G Driver$1,000 – $2,500$83 – $208
Teenage Driver$4,500 – $9,000$375 – $750
Young Driver$1,500 – $3,000$125 – $250
High-risk Driver$4,500 – $12,000$375 – $1,000
17 Years Old$4,500 – $9,000$375 – $750
Seniors (Over 55)$1,000 – $2,000$83 – $166
Students$1,500 – $3,000$125 – $250
International Driver$2,500 – $6,000$208 – $500
Newcomers$1,500 – $3,000$125 – $250
Male Driver$1,500 – $3,500$125 – $292
Female Driver$1,200 – $2,500$100 – $208
Married Couples$1,200 – $2,000$100 – $166
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Average car insurance costs in Sault Ste. Marie, Ontario, for different types of car

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Here’s a table with estimated average car insurance costs in Sault Ste. Marie, Ontario, for different types of cars. Please note that these are just estimates and your actual cost may vary based on several factors, including driving record, location, and insurance coverage options.

Vehicle TypeAverage Cost Per YearAverage Cost Per Month
Sedan$1,500 – $3,000$125 – $250
Convertible$2,000 – $4,000$166 – $333
Hatchback$1,500 – $3,000$125 – $250
Wagon$1,500 – $3,000$125 – $250
Coupe$2,000 – $4,000$166 – $333
SUV$1,800 – $3,500$150 – $292
Truck$1,800 – $3,500$150 – $292
Minivan$2,000 – $3,500$166 – $292
Van$2,000 – $4,000$166 – $333
Electric Car$2,500 – $4,500$208 – $375
Hybrid Car$2,000 – $4,000$166 – $333
Multi Car$1,500 – $3,000$125 – $250
Exotic Car$5,000 – $10,000$416 – $833
Sports Car$3,000 – $7,000$250 – $583
Leased Cars$2,000 – $4,000$166 – $333
2 Door$2,000 – $4,000$166 – $333

Average car insurance costs in Sault Ste. Marie, Ontario, based on the driving history

Here’s a table with estimated average car insurance costs in Sault Ste. Marie, Ontario, based on the driving history. Please note that these are just estimates and your actual cost may vary based on several factors, including location, and insurance coverage options.

Driving HistoryAverage Cost Per YearAverage Cost Per Month
Clean Driving Record$1,500 – $3,000$125 – $250
1 At-Fault Accident$2,500 – $5,000$208 – $416
1 Non-Fault Accident$1,800 – $3,500$150 – $292
DUI Conviction$5,000 – $10,000$416 – $833
1 Speeding Ticket$1,800 – $3,000$150 – $250

Which companies and brokers offer car insurance quotes in Sault Ste. Marie?

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There are several companies and brokers that offer car insurance quotes in Sault Ste. Marie, Ontario. Here is a list of 20 of them:

  1. Allstate Insurance
  2. Aviva Canada
  3. Belairdirect
  4. BrokerLink
  5. CAA Insurance
  6. Coachman Insurance
  7. Desjardins Insurance
  8. DirectProtect
  9. Economical Insurance
  10. Gore Mutual Insurance
  11. Intact Insurance
  12. Jevco Insurance
  13. Johnson Insurance
  14. OTIP Insurance
  15. Pafco Insurance
  16. RBC Insurance
  17. State Farm Insurance
  18. TD Insurance
  19. Wawanesa Insurance
  20. Youngs Insurance

Please note that this is not an exhaustive list and there may be other insurance providers that offer car insurance quotes in Sault Ste. Marie. Additionally, it’s always a good idea to shop around and compare quotes from multiple providers to find the best deal for your specific situation.

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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