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
To calculate and compare car insurance quotes in Sault Ste. Marie, you can follow these general steps:
- Gather information about your driving history, including accidents, tickets, and any other incidents.
- Collect information about your vehicle, including make, model, and year, as well as any safety features or modifications.
- Decide on the level of coverage you need, such as liability, collision, or comprehensive coverage.
- Research insurance providers and brokers in Sault Ste. Marie, and obtain quotes from several different companies.
- Compare the quotes you receive, taking into account the level of coverage, deductibles, and any additional features or benefits offered by each provider.
- 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 Profile | Car Type | Coverage | Per Year Cost | Per Month Cost |
|---|---|---|---|---|
| Clean driving record | 2018 Honda Civic LX | Liability | $1,200-$1,800 | $100-$150 |
| Clean driving record | 2015 Toyota Corolla | Collision | $1,800-$2,500 | $150-$210 |
| Young driver | 2018 Honda Civic LX | Liability | $2,400-$3,500 | $200-$290 |
| Young driver | 2015 Toyota Corolla | Collision | $3,500-$5,000 | $290-$415 |
| High-risk driver | 2018 Honda Civic LX | Liability | $5,000-$8,000 | $415-$670 |
| High-risk driver | 2015 Toyota Corolla | Collision | $8,000-$12,000 | $670-$1000 |
| Married couple | 2018 Honda Civic LX | Comprehensive | $1,000-$1,500 | $85-$125 |
| Married couple | 2015 Toyota Corolla | Comprehensive | $1,200-$2,000 | $100-$170 |
Average car insurance costs for different driver profiles
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 Profile | Average Cost Per Year | Average 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 |
| Usage-Based Insurance | Varies | Varies |
| Uber Driver | Varies | Varies |
Average car insurance costs in Sault Ste. Marie, Ontario, for different types of car
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 Type | Average Cost Per Year | Average 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 History | Average Cost Per Year | Average 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?
There are several companies and brokers that offer car insurance quotes in Sault Ste. Marie, Ontario. Here is a list of 20 of them:
- Allstate Insurance
- Aviva Canada
- Belairdirect
- BrokerLink
- CAA Insurance
- Coachman Insurance
- Desjardins Insurance
- DirectProtect
- Economical Insurance
- Gore Mutual Insurance
- Intact Insurance
- Jevco Insurance
- Johnson Insurance
- OTIP Insurance
- Pafco Insurance
- RBC Insurance
- State Farm Insurance
- TD Insurance
- Wawanesa Insurance
- 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
