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Compare and purchase the best car insurance rates in Sault Ste. Marie.

Get free & accurate quotes from Canada’s top insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.

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Types of coverage we provide

Collision Coverage
Collision Coverage

Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run, or with an uninsured driver.

Comprehensive Coverage
Comprehensive Coverage

Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects, among others. (subject to a deductible).

Family Protection
Family Protection

Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.

Accident Forgiveness
Accident Forgiveness

Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.

Windshield Coverage
Windshield Coverage

Windows are included in comprehensive*, however, you have the option to remove this coverage to lower your premium. (*Not included in Alberta.)

Car Rental Coverage
Car Rental Coverage

You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.

Depreciation Coverage
Depreciation Coverage

In the event of a "total loss", this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.

Claims Forgiveness
Claims Forgiveness

This allows for the protection of your “claims-free discount” in the event of your first claim.

Recent auto insurance quotes in Sault Ste. Marie

Recent Quotes Image
Male, 39 from Sault Ste Marie, ON
2016 DODGE/RAM RAM 1500 ST CREW CAB 4WD
Quote Date: Jan 12, 2026
$277 / month
$3,324 / year
Female, 33 from Sault Ste Marie, ON
2014 NISSAN PATHFINDER PLATINUM 4DR 4WD
Quote Date: Dec 09, 2025
$215 / month
$2,580 / year
Male, 48 from Sault Ste Marie, ON
2017 JEEP COMPASS SPORT 4DR 4WD
Quote Date: Dec 02, 2025
$214 / month
$2,568 / year
Female, 34 from Callander, ON
2006 CHEVROLET COBALT LS 4DR
Quote Date: Apr 23, 2026
$103 / month
$1,236 / year
Female, 48 from Barrie, ON
2019 VOLVO XC40 MOMENTUM T5 4DR AWD
Quote Date: Apr 21, 2026
$109 / month
$1,308 / year

Save up to 20% by bundling your home and auto insurance

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Our Reviews

Manal Farah
5
My experience with Surex is been for…

My experience with Surex is been for around 4 years. I am so thankful and especially to Devlin Bempong in Surex for his efforts in finding the right quote for my requirements.
Thank you Devlin!

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Trustpilot
Donald McCargar
5
A huge thankyou to Surex Insurance and…

A huge thankyou to Surex Insurance and a special appreciation to Mariam Chouciar for arranging the package pricing for all my vehicle's. See you next year.

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Trustpilot
Gratia Derm&HairEssentials
5
A painless process indeed!
It was exactly like Erich Rother, Licensed Insurance Advisor said, "A painless process." Fast, thorough, professional and extremely helpful. I couldn't ask for a better experience. Thanks again Erich! N.P.
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Trustpilot
Debbie McRobb Upsdell
5
Ben makes this easy for people who…

Ben makes this easy for people who don’t understand insurance to get what they are looking for. He also helps fill in the gaps in things you didn’t know about. He’s also super patient.

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Trustpilot
S. Clelland
5
Erich Rother works for you to get you the best coverage and price

Erich Rother was patient, creative and genuinely concerned about getting not only the most comprehensive insurance coverage but the best price available in a very volatile market. Exceptionally professional and thorough.

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Trustpilot

Get the best rates from Canada’s top insurance providers

Bundle Your Home & Auto To Save up to 25%!

Sault Ste. Marie, known as “the Soo” is the third-largest city in Northern Ontario. It is located at the St. Mary’s river - which connects Lake Huron and Lake Superior and is close to the Canada-US border. The “Soo” is linked to Sault Ste. Marie Michigan by international rail and highway bridges and linked to other Canadian cities by the Trans-Canada Highway and rail lines. The city is at the “heart” of the Great Lakes and the intersection of I-75 from the south and the Trans-Canada Highway from the east to west. Highway 17 is designated the Trans-Canada Highway through the city, with traffic (via Hwy 17) staying north and east of the city centre.

When you own a car, getting auto insurance is mandatory by law across Canada. Whether you're commuting to work every day, or just using your vehicle to run weekly errands, you need low cost auto insurance. It protects you (the driver), your passengers, and pedestrians in the event of an accident. So, before you get behind the wheel talk to your Surex Advisor who can help you get auto insurance coverage from the top rated car insurance companies in Ontario!

Car Insurance in Sault Ste. Marie

Car insurance policies are offered by personal lines insurance providers across Canada. Contact the best insurance broker so they can provide you with an online car insurance quote from leading insurance providers so you can compare prices and the best insurance coverage options!

The average cost of car insurance in Sault Ste. Marie is $1,157. But, there are multiple factors that affect car insurance rates in Sault Ste. Marie. To get the best possible insurance rates, we recommend contacting a licensed insurance advisor to shop the market for you to get the best deals on car insurance from the top rated car insurance companies in Ontario.

Yes, all Ontario drivers including drivers in Sault Ste. Marie are required by the Financial Services Commission of Ontario (FSCO) to have a minimum of $200,000 worth of third-party liability coverage, statutory accident benefits coverage, uninsured automobile coverage, and direct compensation & property damage coverage (DCPD).

There are three types of car coverage in Canada. 

  • Collision car insurance: coverage for when you and another car or stationary object collide to cover the cost of the repair. 

  • Comprehensive car insurance: provides coverage for hitting an animal, fire, theft, vandalism, flood.

  • Liability car insurance: is required, by law, for all drivers. This insurance protects others from damages caused while you are driving, including property damage, bodily injury, and death.

Compare 10+ quotes and

speak to a dedicated advisor

Nima Maham

National Coordinator of Professional Development

Nima

The best road-trip destinations in Sault Ste. Marie

Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Sault Ste. Marie to explore on your next road trip.

Top Sites in Sault Ste. Marie

  1. Canadian Bushplane Heritage Centre
  2. Point Iroquois Lighthouse
  3. Sault Ste. Marie Canal National Historic Site

Local Area Attractions in Sault Ste. Marie

  1. Agawa Canyon Train Tour
  2. Lock Tours Sault Ste. Marie Michigan
  3. Wawa Drive Along Lake Superior

Top Parks in Sault Ste. Marie

  1. The Hub Trail
  2. Bellevue Park
  3. Hiawatha Park

Related Auto insurance guides

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