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June 2
The staff that spoke with me was patient and professional. She has a good human ...
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May 31
Great service
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May 27
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May 17
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Good service and information
Good service and information
May 17
questions answered
questions answered
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May 16
Excellent customer seevice
Excellent customer seevice
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May 13
Agent listened and answered all…
Agent listened and answered all questions. She was very thorough and quick!
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May 11
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Very polite and explained themselves well
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May 8
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May 6
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May 5
I got the lowest rates I was looking…
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April 26
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Very little time on hold Easy to understand Friendly Really got a great deal
April 26
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My consultant Anees took me through the whole process from my initial call, to r...
April 22
My agent was easy to understand so the…
My agent was easy to understand so the process went well.
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April 20
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April 13
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April 13
Very nice to talk to and efficient were…
Very nice to talk to and efficient were not in a rush explained everything
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April 12
Review Hitesh Shriyan
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April 11
Amy was fantastic
Amy was fantastic, explaining, asking if we wanted extensions and suggested exte...
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Car insurance in Sarnia, Ontario.

Getting car insurance in Sarnia is much the same as the rest of the province. It begins with understanding which coverages are mandatory — meaning you’ll need them, no matter what — and which are optional.

Car insurance is regulated provincially in Ontario, so the requirements are the same whether you’re insuring a vehicle in Sarnia or in Toronto. Familiarize yourself with the mandatory and optional coverages, which we list out below.

Mandatory auto insurance coverage in Sarnia.

Third-party liability insurance:
Ontario requires that you carry a minimum liability amount of $200,000 for this type of insurance. This covers you if you are sued after an accident for damage to property, or injuring or killing another person.

Statutory accident benefits insurance:
This will cover you in the event that you require care if you are hurt in an accident. It includes coverage for supplemental medical benefits, attendant care and rehabilitation services. You may also receive coverage for caregiver benefits if your injuries stop you from being able to care for a dependent, as well as income replacement.

Standard coverage for accident benefits:
The following benefits are standard coverage in an accident, and are per person.

Direct compensation property damage insurance:
Also known as DCPD, this coverage protects your vehicle or any personal belongings inside your vehicle when it is damaged. This coverage’s name reflects the fact that your insurance company directly compensates you for the loss, although another person may be at fault.

Uninsured vehicle insurance:
This will protect you in the event that an uninsured driver or a driver that flees the scene is in an accident with you. Your family is eligible to receive compensation in the event you are killed, otherwise you will receive compensation. This covers both injuries to you, as well as damage to your car.

Optional auto insurance coverage in Sarnia.

There are many optional coverages available to drivers in Sarnia that you should consider to ensure that you are fully protected. Not all of these coverages may be right for you, but you should at least take the time to read and understand them, and ask yourself whether you’d be able to financially protect yourself without insurance in these situations.

Extra third-party liability coverage: You’re required to have $200,000 in coverage, but often times, drivers opt to get more. That’s because if you cause damage or even kill someone in an accident, you can be sued for far more than $200,000. That’s why it’s common for drivers to look for extra third-party liability coverage, with $1 million and $2 million being popular amounts.

Additional accident benefits coverage: This is mandatory coverage with the option to increase the base amount. Standard coverage starts at $65,000 for serious injuries and $1 million if you have catastrophic injuries. But you can increase these to $1 million and $3 million, respectively.

Greater coverage for damage to your vehicle: This is basically more money in the event that your vehicle is an accident with another vehicle, object or building. There’s also the option to buy additional coverage to cover you for perils such as fire, theft, a falling tree, etc. This coverage gives you the option of having a limited number of perils, or a large list. Use this optional coverage to give you peace of mind that you will be covered no matter the extent and type of damage to your car.

Stronger coverage for collisions with uninsured or hit-and-run drivers: We covered this in the mandatory section, but given the risks that come with being an accident with a driver who is not insured, or an irresponsible driver who flees the scene of an accident, you might want to look into increasing your coverage here.

Loss of use coverage: This coverage is in reference to protection of your rental car while your vehicle is being either repaired or in the process of being replaced due to an accident or some other event that was insured (e.g. a tree branch falling on your car).

Borrowed and rented vehicles coverage: This coverage allows you to also be protected for any vehicle you borrow or rent during a short period of time. This coverage is included in OPCF 27, Liability for Damage to Non-Owned Automobile(s).

Leased vehicle coverage: OPCF 5, Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s), is the endorsement that adds this protection. As the name suggests, this will specifically cover a leased vehicle.

New vehicle replacement: This coverage, often meant to protect you during the first two years of buying a new vehicle, means your insurer won’t include depreciation in its compensation to you in the event of an accident or total loss. This coverage is offered under the endorsement Removing Depreciation Deduction endorsement (OPCF 43).

While these are some key optional coverage, you may be able to get coverage beyond the above if you feel that you require more coverage. The best way to explore your options is to get a quote on, compare car insurance pricing, and then be connected with a broker or insurance agent.

Factors that determine your car insurance rates in Sarnia.

Car insurance companies all have their own complex ways of figuring out how to price your insurance. The bottom line is that they use a variety of different factors to try and determine how risky you are for them to insure, and then price their insurance accordingly.

For most people, better understanding insurance pricing starts by understanding what factors can affect your insurance. We list out those factors below:

As we mentioned, insurance companies look at troves of data to price your insurance. Here are other factors, some outside of your control, that can lead to increased or lower insurance rates for you.

Car insurance rates for Sarnia seniors.

The good news is that seniors pay some of the lowest car insurance rates among age groups.

A few reasons are behind this. First of all, most seniors tend to have long driving histories, giving insurers a pretty clear picture of how responsible someone is on the road.

As well, these drivers also tend to have been insured for a long time, giving insurers a clear picture of whether these drivers can afford to pay their insurance premiums.

Given that many insurance companies want to insure seniors, it’s important to compare insurance rates to see what all companies are willing to offer you. Never settle with just one quote, as you can be costing yourself thousands of dollars in unnecessary costs a year.

Car insurance rates for Sarnia students.

The good news for students is that many insurance companies offer discounts for students or alumni of certain post-secondary schools in Ontario.

However, if you are a young student, you will likely be paying higher than average insurance rates. That’s because insurance companies deem driving history and age as important factors in pricing insurance.

Young, inexperienced drivers are more likely to get into accidents, and they tend not to have very long driving histories for insurance companies to gauge how safe they are on the road.

This makes it especially important to compare rates for students. Insurance for young students can be expensive, and you want to save as much money as possible.

Sarnia car insurance rates for new immigrants.

New immigrants to Canada, unfortunately, often start off with higher insurance rates. That's because not all insurers consider your driving history from your previous country as relevant.

That being said, some insurers do. When coming to Canada, be sure to contact your previous insurance company for a record of your driving history. Register this with your provincial transportation ministry. This can help you save considerable amounts of money on your annual premium.

Be sure to speak to your new insurer in Canada about whether they’ll accept your driving history, and if not, try to shop around for another insurer.

Sarnia car insurance rates for high-risk drivers.

This is one of the most expensive groups to be in for insurance. A high-risk driver is someone who’s been convicted of a serious driving offence or been charged with driving without insurance.

High-risk drivers can still get insurance, but it’s more expensive. So it’s best to compare to find the best rate.

Front view of a car. Illustration.

See how our customers in Sarnia save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 05, 2023
Male, 27 years old
Lowest Rate
Average Rate
Quote from June 04, 2023
Male, 23 years old
Lowest Rate
Average Rate

Facts and myths about Sarnia auto insurance.

Getting car insurance in Sarnia can be complicated by the myths some drivers have about what affects their insurance. But that’s OK, because we’re here to help you separate fact from fiction. Read below to see us dispel some common myths you might encounter when learning about car insurance in Sarnia.

We hope this information was helpful to you! At the end of the day, the most important takeaway for you is that car insurance pricing is different for every person. An insurance company will look at where you live, your driving history and the car you drive, among other factors, to price your insurance.

One insurance company may deem you riskier to insure, thus pricing your premium higher, while another may view you as safer, meaning a lower premium. The only way you’ll find out who’s willing to give you the best deal is by comparing. So don’t forget to compare!

How to get the cheapest car insurance in Sarnia.

If you want to get cheap car insurance that meets your coverage needs, there are a few things you can do to find the best price. (In fact, you’re already heading in the right direction by reading up on your options and comparing rates with

Here are the best ways to lower your auto insurance premiums:

Shop the market

We'll show you the most competitive rates from all the leading insurance providers. Now you can compare quotes in one convenient online location. (Just use our online quote tool above to get started.)

Show loyalty to one provider

Most auto insurance companies reward long-time customer loyalty with special discounts.

Look at location

Where you drive and park your vehicle affects your premium price. Some areas have higher rates of auto accidents, theft and vandalism. Private, secure parking can reduce your insurance rate.

Pay on time

Insurance providers appreciate timely premium payments, so be sure to pay on time to keep the lowest rate on your policy.

Track your driving

Turn your low-risk driving habits into lower premiums with a usage-based insurance policy. You install equipment in your vehicle that shows your insurance provider how often and how well you drive, and in exchange, your provider may be able offer you lower-cost insurance.

Right-size your coverage

Read up on insurance and ask questions when you speak to a broker so you purchase the right policy for your coverage needs. Avoiding frills and extras will save you money. As your car ages and its value drops, you might consider dropping collision protection to save on your premiums.

Bundle up

Insurance providers reward customers who purchase multiple coverage types, like home and auto insurance. Consider “bundling” products with the same provider to lower your rate.

Take a course

Investing in a defensive driving course can make you a better driver and earn you a lower rate on your car insurance premiums. Check with your provider about courses that qualify.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Pay annually

Insurance providers may offer a discount if you pay your annual premium all at once, rather than on a monthly basis.

Choose your vehicle wisely

Cars with high safety ratings, low rates of theft, and less powerful engines tend to have lower insurance rates.

Drive responsibly

A cleaner driving record earns you a lower insurance premium, along with protecting you and others using the roads.

Be safe, not sorry

Safety and security features like winter tires, alarm systems and other anti-theft devices can help reduce your insurance costs. Ask your provider for specific requirements for adding equipment to earn a discount. If your vehicle already has special safety and security features, be sure to inform your provider.

*Shoppers in Ontario who obtained a quote on from January to December 2021 saved an average of 32%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by and displayed to shoppers.

Frequently asked questions about car insurance in Sarnia.


How much is car insurance in Sarnia?

Car insurance is a very tailored financial product, with highly diverging rates based on individual circumstances. So, there’s no single answer to this. Look above at all the ways different factors can impact your own individual car insurance rate. The best way to find out how much your own rates can range is by getting a quote on a site like

Which Sarnia postal code has the highest average premiums?

Average car insurance rates fluctuate based on statistics in a neighbourhood, including accidents and car thefts. That means the postal code that has the highest rate can change over a given year or even in a given month.

Which Sarnia postal code has the lowest average premiums?

Going back to the point above, different postal codes can change in whether they are the most expensive or least expensive depending on ever evolving factors. The best way to get an idea of how much you’ll pay is to compare rates online.

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

The most expensive car insurance rates in Ontario are in the GTA, with Brampton taking the top spot. Sarnia’s car insurance rates tend to be lower than the largest cities in Ontario.

Where do I get the cheapest car insurance quotes in Sarnia?

You can find the best car insurance quotes by using a rate comparison website to compare insurance rates online. is the top car insurance comparison website in Canada, so be sure to use our quoter at the top of the page.

Lisa Coxon Staff

About the Author

The writing team focuses on telling original stories and bringing you the latest news in the world of personal finance.

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