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Drivers in Sarnia are required by law to have car insurance. If you’re on the road without insurance, you may be subject to a fine. And, you’ll be without protection in the event of an accident.
While car insurance policy types are standard across Canada, the minimum levels of coverage vary from province-to-province.
In Ontario, drivers must the following coverage is mandatory:
For additional protection, drivers can also add the following coverage to their car insurance policies:
Drivers in Sarnia can update their policy further with endorsements, which is an insurance industry term used to describe an amendment to a policy which broadens, restricts or alters its terms.
Common endorsements include:
The amount of coverage you get will affect the overall cost of your coverage; expect to pay more for more coverage.
Your car insurance costs can also fluctuate when the Financial Service Regulatory Authority of Ontario, which regulates car insurance premiums in Ontario, approves a rate change.
To manage overall insurance costs there are several steps drivers in Sarnia can take, including comparing rates and customizing their policies so that they’re only paying for the coverage they need, nothing more.
Answer a few basic questions about your driving & car insurance history.
See quotes from 50+ insurance companies side by side.
Find the right protection for your vehicle.
Connect with the provider and secure your rate.
In 2021, the average cost of a car insurance premium for a driver in Sarnia was $1,256, according to data from the RATESDOTCA Auto Insuramap.
This rate is more than 20% less expensive than the average Ontario premium in the same year: $1,555.
It also represents a 8.4% increase from the average 2020 premium in Sarnia: $1,159.
Broken down by postal codes in Sarnia, here are the average premiums in 2021 and 2020, by neighbourhood:
Postal code | 2021 | 2020 |
---|---|---|
N7S0A1 | $1,241.00 | $1,146 |
N7T0A1 | $1,241.00 | $1,146 |
N7V0A1 | $1,241.00 | $1,146 |
N7W0A1 | $1,318.00 | $1,211 |
N7X1A1 | $1,241.00 | $1,146 |
Car insurance premiums tend to be higher in parts of Ontario where there are more drivers on the road and, by extension, more claims filed.
Car insurance premiums for many Ontario cities decreased in 2021. Across the province, claims activity went down, which helped insurance companies save money and pass those savings on to drivers.
Here, we highlight Ontario cities with some of the most expensive premiums in the province:
Location | 2021 | % difference from 2021 average Sarnia premium |
---|---|---|
Sarnia | $1,256 | |
Vaughan | $2,179 | 74% |
Ajax | $2,104 | 66% |
Richmond Hill | $2,025 | 61% |
Brampton | $1,976 | 57% |
Mississauga | $1,971 | 57% |
Pickering | $1,959 | 56% |
Toronto | $1,953 | 55% |
Oshawa | $1,833 | 46% |
Ontario | $1,555 | 24% |
Insurance Companies | Company Type | Phone | Address |
---|---|---|---|
Allstate Insurance | Direct Writer | (226) 778-5798 | 1440 Quinn Dr. Unit 2, Sarnia, ON N7S 6M8 |
BrokerLink | Direct Writer | (519) 336-4620 | 774 London Rd., Sarnia, ON N7T 4Y1 |
Cam-Ron Insurance Brokers Ltd | Insurance Broker | (519) 337-3713 | 560 Exmouth St., Sarnia, ON N7T 5P5 |
Co-operators - Fabien Jagoo & Associates Inc | Direct Writer | (519) 336-6193 | 889 Exmouth St., Sarnia, ON N7T 5R3 |
Insurance Hotline | Quotes Comparison | 1 (855) 821-7312 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
LowestRates.ca | Quotes Comparison | 1 (855) 487-6911 | 1910 Yonge St. Suite 401, Toronto, ON M4S 3B2 |
Louise Dottori Desjardins Insurance Agent | Direct Writer | (519) 542-9940 | 914 Murphy Rd Unit 8, Sarnia, ON N7S 5C4 |
RATESDOTCA | Quotes Comparison | 1 (844) 726-0907 | 225 King St W, Suite 1000, Toronto, ON, M5V 3M2 |
Scoop Insurance | Insurance Brokers | 1 (866) 456-6620 | 300 Lincoln St. Unit 22, Welland, ON L3B 4N4 |
When determining a premium, insurance providers consider a range of factors.
Some of the key variables include:
No single insurance company offers the cheapest car insurance in Sarnia. Getting the best policy depends on your specific circumstance. Cost is based on several factors, including your age, driving experience, claims history location and the type and amount of coverage you’re seeking. Once you’ve established a driving history, you may be able to secure a discount from a provider you’ve been with for many years. In addition, you can reduce your insurance costs by comparing all available rates.
RATESDOTCA partners with more than 50 of the most trusted insurance providers in Canada. Each offers car insurance coverage in cities throughout Ontario, including Sarnia.
Drivers based in Ontario should expect to get car insurance with a standard policy term of one year. While some insurance providers offer six-month policy terms, they’re not common.
If you’re looking for short-term car insurance while away from home, your existing policy is likely to cover you. However, if you’re moving to Ontario, the Ministry of Transportation requires you to register your licence plates and transfer your driver’s licence within 60 days of relocation
If you’re a new driver, you can expect to have more expensive premiums than an experienced driver. If you can prove that you’re an experienced driver, you may be eligible for a lower rate. To assist, consider getting proof of insurance coverage from the provider in the country where you were last insured.
If you’re a driver who can’t reflect much driving experience, expect to pay more for the first year. Once you’ve established some driving history, we encourage you to compare car insurance rates around your policy renewal period. If your first year of driving has been without any claims or infractions, you’ll likely be able to secure a lower premium.
Another way for young drivers in Sarnia to reduce their insurance costs is by being added as a secondary driver on a parent or guardian’s policy.
Many ride sharing companies require drivers to be covered by their commercial policies. However, there are limits to that coverage. For example, it may only provide coverage while the ride sharing app is on.
To fill any coverage gaps, ride sharing drivers should have their own personal car insurance. We recommend that they inform their existing insurance providers to ensure adequate coverage. If you’re in a collision while ride sharing and file a claim, an insurance provider may deny coverage if they were unaware that the vehicle was being used for commercial purposes at the time of the collision.
*Represents the average saved by Sarnia shoppers who obtained a quote on RATESDOTCA and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.
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