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.
New Ontario auto insurance changes take effect July 1, 2026
Types of coverage we provide
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run, or with an uninsured driver.
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects, among others. (subject to a deductible).
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windows are included in comprehensive*, however, you have the option to remove this coverage to lower your premium. (*Not included in Alberta.)
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
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.
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
Save up to 20% by bundling your home and auto insurance
Our Reviews
Devansh Soni sales representative was very helpful to me showing high professional customer service especially in providing and explaining the terms of the contract and speed in responding to my emails. Thanks Devansh Soni
My agent, Devin Jeffrey, was really knowledgeable, patient, kind, and goes the exra mile to help me out. I had a really smooth and easy time when I was dealing with him. 5Stars for him.
I was very happy with the service I received from Mariam C out of Edmonton. She was very easy to talk to and to get in touch with. A very knowledgeable lady and a pleasure to deal with.
Would highly recommend!😊
I had an excellent experience with Surex, thanks to Dayana Nuñez. She was professional, knowledgeable, and incredibly patient throughout the entire process. She took the time to answer all my questions, explained my coverage options clearly, and helped me find the best solution for my needs without making me feel pressured.
One thing that really stood out was that she speaks Spanish, which made the entire experience even more comfortable and stress-free. It's a huge advantage for Spanish-speaking clients.
I highly recommend Surex, and especially Dayana, if you're looking for outstanding customer service and a smooth insurance experience.
Ashley was so lovely. It is my first time owning and registering my car for insurance. She walked me through every step of the way and helped me get the best price. She is amazing at what she does and I will be telling people to go with Surex from here on out. Thanks so much Ashley. I couldn’t have done it without you.
Get the best rates from Canada’s top insurance providers
Average car insurance prices in Canadian cities 2026
We reviewed thousands of car insurance quotes and found out how much drivers in Sault Ste. Marie pay on average for their premium. See how your city compares.
City |
Annual Premium |
|
|---|---|---|
Sault Ste. Marie |
$1964.00 |
$163.67 |
Barrie |
$2212.00 |
$184.33 |
Brampton |
$3300.00 |
$275.00 |
Brantford |
$2109.00 |
$175.75 |
Burlington |
$2082.00 |
$173.50 |
Calgary |
$2007.00 |
$167.25 |
Edmonton |
$2099.00 |
$174.92 |
Guelph |
$1539.00 |
$128.25 |
Halifax |
$1267.00 |
$105.58 |
Hamilton |
$2047.00 |
$170.58 |
Kingston |
$1928.00 |
$160.67 |
Kitchener |
$1851.00 |
$154.25 |
Lethbridge |
$1596.00 |
$133.00 |
London |
$2317.00 |
$193.08 |
Markham |
$2398.00 |
$199.83 |
Mississauga |
$2837.00 |
$236.42 |
Moncton |
$1596.00 |
$133.00 |
Oakville |
$2540.00 |
$211.67 |
Orillia |
$1680.00 |
$140.00 |
Oshawa |
$2250.00 |
$187.50 |
Ottawa |
$2115.00 |
$176.25 |
Peterborough |
$1739.00 |
$144.92 |
Red Deer |
$1825.00 |
$152.08 |
Scarborough |
$2721.00 |
$226.75 |
Thunder Bay |
$1850.00 |
$154.17 |
Toronto |
$2537.00 |
$211.42 |
Windsor |
$1759.00 |
$146.58 |
Yellowknife |
$1722.00 |
$143.50 |
Average prices are based on Surex quotes in the past 12 months for drivers with one vehicle and no claims. Updated April 2026.
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
Underwriting Specialist
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
- Canadian Bushplane Heritage Centre
- Point Iroquois Lighthouse
- Sault Ste. Marie Canal National Historic Site
Local Area Attractions in Sault Ste. Marie
- Agawa Canyon Train Tour
- Lock Tours Sault Ste. Marie Michigan
- Wawa Drive Along Lake Superior
Top Parks in Sault Ste. Marie
- The Hub Trail
- Bellevue Park
- Hiawatha Park
Helpful auto insurance guides
These guides help Ontario drivers understand how car insurance works, including coverage basics, cost factors, and tips for comparing policies.
Online insurance looks easy, but direct buying can leave you undercovered when claims happen. Working with a broker ensures your policy actually protects you.
In Canada, drivers under 25 are considered young drivers and often pay higher premiums due to limited experience and higher risk, though savings options exist.
Being a great driver protects lives and can lower insurance rates—this article explains how tickets, accidents, demerits, and star ratings impact your premiums.
