Find Cheap Car Insurance in Sarnia

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Written by Katie Rook

Car insurance in Sarnia

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.

Mandatory coverage

In Ontario, drivers must the following coverage is mandatory:

  • Accident benefits: If you’re hurt in a car accident, this will cover your medical bills and any lost income.
  • Direct Compensation Property Damage (DCPD): If your car or any of the contents in it are damaged in a collision caused by someone else, you’ll be protected.
  • Third-party liability: This coverage protects you if you’re found at-fault in a collision where someone is injured or their property is damaged. In Ontario, you must have a minimum of $200,000 coverage limit in third-party liability insurance.
  • Uninsured vehicles: If you or your family are injured in a hit-and-run or by an uninsured driver, this will protect you.

Optional coverage

For additional protection, drivers can also add the following coverage to their car insurance policies:

  • All perils: Covers many perils. Broadly, it has similarities to collision and comprehensive coverage.
  • Collision: Covers car replacement, or repair costs, if you’re in a collision and your car is damaged and the other driver is at-fault. Also protects against single vehicle collisions as well as hit-and-run accidents.
  • Comprehensive: Protects against damage from perils such as debris, earthquake, explosions, hail, theft and vandalism.
  • Specified perils: Protects against damage from a list of perils explicitly named in your policy. This can include attempted theft, damage in transport, earthquake, explosions, fire, lightning, riots or windstorms.


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:

  • OPCF 20 – Loss of use: Covers the cost of a replacement vehicle, or transportation costs, when your car is damaged. This protection comes with All perils, Comprehensive or Specified perils coverage.
  • OPCF 27 – Damage to non-owned vehicle: Also known as ‘a 27’, this coverage means that any bodily injury, accident benefits, uninsured automobile and other property damage coverage you have is extended to a vehicle you don’t own.

    When your policy has ‘a 27’, if you rent a car, there’s no need to purchase property damage coverage, popularly known as a Loss Damage Waiver, or ‘LDW’.
  • OPCF 35 – Emergency roadside: If you need roadside assistance, this will cover the cost of any labour required where your car broke down, the cost of a tow, battery, gas or tire replacement and/or the cost of a locksmith.
  • OPCF 44R – Family protection: Covers the difference between your coverage and any liability coverage of a third party who’s found at fault during a collision.
  • OPCF 43 – Depreciation waiver: If your vehicle is written off following a collision, this coverage means you’ll receive back the full value of the car. This is an option especially worth considering if your car is new.

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.

Recent auto insurance quotes in Sarnia

Recent auto insurance quote from SARNIA, ONTARIO
2010 NISSAN ALTIMA 2.5 S 2DR June 02, 2023
$ 963
Per year
Cheapest Quote
$ 1,524
Per year
Average Quote
$ 561
37 %
in savings
Recent auto insurance quote from SARNIA, ONTARIO
2021 KIA SPORTAGE EX 4DR 2WD May 31, 2023
$ 529
Per year
Cheapest Quote
$ 1,284
Per year
Average Quote
$ 755
59 %
in savings

How to get Sarnia car insurance quotes on RATESDOTCA


1. Tell us about your vehicle

Answer a few basic questions about your driving & car insurance history.

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2. Compare your quotes

See quotes from 50+ insurance companies side by side.

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3. Choose the right coverage

Find the right protection for your vehicle.

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4. Secure your rate

Connect with the provider and secure your rate.

How much does car insurance cost in Sarnia?

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

How do Sarnia car insurance rates compare to other cities in Ontario?

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%

Which companies offer car insurance quotes in Sarnia?

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 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7
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 360 Adelaide St.. W Suite 100, Toronto, ON M5V 1R7
Scoop Insurance Insurance Brokers 1 (866) 456-6620 300 Lincoln St. Unit 22, Welland, ON L3B 4N4

What factors affect your Sarnia car insurance

When determining a premium, insurance providers consider a range of factors.

Some of the key variables include:

  • Amount of coverage: The cost of a car insurance policy adjusts according to the coverage sought.
  • Driver’s profile: Insurance companies look at the driver’s age and gender. Young men often have the most expensive premiums. Driving record is also considered. If you have infractions on your record, expect to pay more.
  • Licence level: Less experienced drivers often pay more for car insurance.
  • Location: Mandatory coverages vary in every Canadian province and territory. Rates are higher in some parts of the country, particularly where there are a high volume of claims. Drivers in driver enjoy lower rates, in part because there are fewer drivers on the road. According RATESDOTCA 2021 Insuramap data, the average premium for drivers in Sarnia was $1,241, about 20% less expensive than the provincial average: $1,555.
  • Potential repair cost: The make, model, year and value of a car are considered. More expensive repair costs are likely to mean more expensive premiums.
  • Safety: Premiums come down when a vehicle is equipped with safety features such as a car alarm.
  • Vehicle use: Commuters who use their cars daily may have higher premiums. Insurance providers assume that the more a driver is on the road, there’s a greater likelihood of making a claim.
  • Vehicle type: When trying to gauge the potential car insurance costs, drivers should consider publicly available data which characterizes the safety of the make and model. Vehicles that are more expensive to repair or replace are likely to be more expensive to insure. Specific Insurance Bureau of Canada findings are available online, here.

Top 7 tips on how to get cheap Sarnia car insurance in Sarnia

  1. Buy a cheaper car: When you purchase a less expensive car, your insurance costs are likely to be lower than if you were seeking coverage for a pricey vehicle. Expensive repair and replacement costs tend to translate to more costly premiums.
  2. Comparison shop: Shopping around for the best coverage at the lowest rate is the single most effective way to reduce your insurance costs.
  3. Customize coverage: When you customize your car insurance policy, you’ll pay for the coverage you need and nothing more.
  4. Increase deductible: If you’re likely to have the cash available in the event of having to file a car insurance claim, you can reduce your premiums by increasing your deductible. But before you commit to one, we recommend that you carefully consider if you’ll have the cash available to pay a higher deductible if necessary.
  5. Pay upfront: If you’re willing to pay the full annual cost of your premium upfront, you may be eligible for a discount.
  6. Use-based coverage: For drivers who don’t clock have significant mileage, use-based coverage makes good sense. You end up paying for coverage based on how much you drive, or don’t drive.
  7. Telematics: If you allow your driving habits to be tracked, your premiums are adjusted to reflect them. For example, if you don’t speed

Frequently asked questions about Sarnia car insurance

Which company has the cheapest car insurance in Sarnia?

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.

What are the best car insurance companies in Sarnia?

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.

Can I get month-to-month car insurance in 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

How do I get car insurance as a new driver in Sarnia?

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.

Is ride sharing insurance available in Sarnia?

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.

*Shoppers in Ontario who obtained a quote on RATESDOTCA and transacted via our contact centre from July to December 2021 saved an average amount of $772. 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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