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Affordable Car Insurance Rates in Sarnia

Out of all the provinces in Canada, Ontario auto insurance rates have ranked amongst the highest. As Sarnia is close to the American border, many residents work and visit the States frequently. Sarnia is also the largest city on Lake Huron where many tourists visit during the summer months. The rise in traffic during the summer does create a higher risk for accidents. Just like every other city in Ontario, it’s the law for Sarnia drivers to have car insurance. These policies must include third-party liability, uninsured car coverage, direct compensation property damage, and statutory accident benefits.


isure hires only the best and most reputable Sarnia insurance brokers to get you the best quotes. Experience the isure insurance broker advantage:


Fully Licensed

We are registered under the Registered Insurance Brokers of Ontario (RIBO) to ensure your safety and that you are in good hands.


You Save While We Work

You can save hundreds of dollars on insurance when you work with our Sarnia insurance brokers. You can discuss your insurance needs with us and we’ll find the perfect coverage options and rates.


We Understand the Market

isure has been the top insurance choice for Ontarions since 2006. We are also one of Canada’s most progressive, reputable insurance brokers with real people that live for insurance! We’re committed to helping Sarnia citizens access the best insurance coverage available.


Your Needs are our Top Priority

We are real insurance brokers helping real, amazing Sarnia citizens. Each of our clients are assigned to a dedicated insurance broker that advocates for their needs when dealing with insurance providers. We handle all claims, quotes, inquiries, updates and more.


Best Insurance Providers

We have access to all of the best, well-respected insurance providers in all of Canada for you!


Coverage For All Your Insurance Needs

Our insurance brokers get Sarnia residents quotes for home, commercial, auto, life, travel, and more.


Unbiased Advice

We guarantee honest, unbiased advice about the insurance quotes we obtain for you and all details that accompany it. We will always search and locate the coverage that is best suited to your needs.


You’re in the driver’s seat when it comes to your auto insurance in Sarnia with isure insurance! We offer auto insurance rates that suit the needs of all Sarnia drivers. Our promise to you is to provide knowledgeable and transparent insurance expertise when you call us or get a quote online. We shop for the best auto insurance rates available for you to ensure you obtain the insurance you can count on. As Ontario’s leading car insurance broker, our auto insurance rates in Sarnia can provide you with high-quality coverage, convenience, and personalized service that exceeds your expectations.


There are a number of reasons for people living in Sarnia to contact an isure insurance broker. Some of the best advantages of working with us include:

Easy To Follow Quotes: Contacting several insurers for rates can take a long time. When you hire an isure Sarnia insurance broker, they handle all of these details, including obtaining quotes from different insurers for you!

Save More Money: Insurance brokers are the top solution to lower your insurance rates and save you money. Our Sarnia insurance brokers have access to several insurance providers, premiums, coverage types and they will help you find the cheapest car insurance quotes for you based on the information you provide..

Valuable Information from a Licensed Insurance Professional: Navigating insurance can be extremely difficult if you have little to no experience. Hiring a licensed, knowledgeable and experienced insurance broker can provide you with all of the important guidance you need to make the right insurance decisions.

FAQs About Sarnia Auto Insurance

How can you lower the cost of your car insurance in Sarnia?

Anti-theft Devices: Any equipment or tools that can help prevent theft to your vehicle can lower your insurance premium.

Winter Tires: The winters in Sarnia can be relentless, especially when you need to drive to work in the snow every day! Not only is it imperative for your safety to have winter tires installed in the winter months, but you are often eligible for discounts on insurance premiums when your car has winter tires.

What factors affect auto insurance in Sarnia?

Vehicle Type: The year, make and model of your vehicle will be considered by auto insurance companies when calculating the premium.

Vehicle Use: The way you drive your vehicle, how often and your driving habits can all play a role in the insurance rate you will pay.

Postal Code: The more populated, urban areas in Sarnia often have a higher claim rate than rural parts. Urban residents can likely expect to pay a higher premium based on their postal code.

The Driver’s Age: Drivers with more experience on the road often pay much lower auto insurance premiums than newer and younger drivers.

Sarnia Collision Reporting and Claims Process

Accidents happen across the province each day. Being involved in an accident can be scary to begin with, and not knowing what to do makes them even scarier. Luckily, isure has put together this comprehensive guide for Sarnia drivers in case they find themselves in an accident: 

1. Is anyone injured?

Injuries are very serious and should not be taken lightly following an accident. Make sure that no one is hurt as a result of the accident. If you think that there could be potential injuries, call 911 immediately. After addressing any medical issues, you can ask yourself the next question. 


2. What needs to be documented?

On scene, there are a few things that should be taken into consideration and documented. Documenting can be done by jotting down details or snapping a few pictures of: 

  • Damages 

Take many pictures of the car damage. A much better story can be told by pictures than by words when it comes to reporting. Take images of all vehicles involved and their license plates. Photos of the space as a whole following the accident are also a really good way to tell a story that may not be recalled the same by both drivers. 

  • License 

Exchange photos of each other’s driver’s licenses. This way, there is a record of you staying on the scene and you have the full name of the other driver(s) involved. You can also use this time to ask for their contact information to stay connected throughout the process. 

  • Insurance 

The insurance exchange is essential in any accident situation. It serves as proof that you can afford to pay for damage, and it can be used as a means to communicate if one or more parties become uncooperative. Take a photo to document the provider, policy number, and vehicle information. 

  • Conditions 

Take a photo or write down specific details leading up to and during the accident. Note the time, date, and location of the collision, along with the weather and road conditions that may have impacted the accident. 

3. Do I need to report my accident?

If you want to cover your accident with insurance, you will have to report it to a collision centre. Additionally, any damage over $2,000 must be reported to a collision centre within 24 hours, according to Ontario law. 

4. Where do I report my Sarnia accident?

You need to go to a collision reporting centre if you are logging the accident. In Sarnia, the collision centre is located at: 


Tel: (519) 346-4648 

Fax: No Fax 

Hours: Monday to Friday: 10:00 AM to 6:00 PM, closed weekends and holidays,+Sarnia,+ON+N7T+7X6/@42.984761,-82.4028748,17z/data=!4m8!4m7!1m0!1m5!1m1!1s0x88259cb9f8151adb:0xd560df2489f9645d!2m2!1d-82.4006861!2d42.984761  

Note that it is not advised to drive yourself to the collision centre following an accident. Any vehicle that was just involved in an accident could have invisible damage to the brakes or tires, which can pose a greater threat to the driver and other cars on the road with them. Instead, call a tow truck for your car and call a friend or taxi to drive you. 

What does insurance cover? 

What your insurance will cover is entirely dependent on your policy and the nature of the accident. Most insurance policies will cover repair and replacement costs associated with your vehicle that resulted from the crash. Other insurance policies might also cover rental, tow truck, and taxi costs from the accident. Call and speak with an isure broker today to find out what your insurance policy covers. 

Get a Sarnia Auto Insurance Quote Online