50+ Ratings on Google!

North Bay Car Insurance

3 minutes can save you hundreds. Enter your postal code below and join thousands of Canadians saving on car insurance.

Secure. No Spam. No Fees.

Why You Can Trust MyChoice

MyChoice serves as an independent intermediary between you, financial institutions and licensed professionals without any additional charge to our users. In the interest of transparency, we disclose that we partner with some of the providers we write about – we also list many financial services without any financial gain. MyChoice does not operate a financial institution or brokerage and to ensure accuracy, our content is reviewed by licensed professionals. Our unique position means that we hold no recurring stake in your policy, ensuring our mission to help Canadians make better financial decisions is free of bias or discrimination. 

How to Compare Car Insurance Quotes with MyChoice

Comparing car insurance quotes with MyChoice is as simple as it gets:

Share Your Car Insurance Needs​

Tell us what you want out of your auto insurance.

Shop for the Best Deals​

Compare auto insurance quotes from the best Canadian insurers.

Secure Your Rates​

Pick the best deal and lock your rates on our site.​

Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$98.31Apr 21, 2024, 05:10 AMAuto67FemaleL6T4B6
$39.96Apr 21, 2024, 07:11 AMHome38FemaleL0E1R0
$26.41Apr 21, 2024, 04:01 PMTenant41MaleL7A5B5

How MyChoice Works



have compared rates and saved money over the last 24 hours
Leah D
Leah D
July 19, 2023
I was able to get a tenant insurance quote and a car insurance quote for my Jeep on the same day, in the same place, super fast and convenient, less than 10 mins! Would use again and would absolutely recommend
Imaan Pirani
Imaan Pirani
July 13, 2023
Got a great quote for my Camry and to my surprise was able to purchase online... They passed all my information to the companies website automatically and it made the process a breeze!” Highly recommend
David Ifejika
David Ifejika
July 13, 2023
I was shopping around for car insurance and a friend suggested that I try MyChoice to help find the least expensive insurance for my partner and I. It was very reliable, straightforward and user friendly. It made finding new car insurance easy!”
Ty Warner
Ty Warner
July 12, 2023
I was able to bundle my home and auto insurance with My Choice. Getting a quote for both was pretty quick, once I had done my auto portion I had the option to easily check my home insurance too so that was ideal!
John Doyle
John Doyle
July 7, 2023
Recently closed on a place in Markham and was able to get a great home insurance quote in minutes with MyChoice. Purchased online through square one right on closing day!
Tim Borgstädt
Tim Borgstädt
July 4, 2023
I don’t always shop around when it comes to my insurance but I’m glad I did this time, My Choice had a good range of options and I was able to chat to a broker once I found a quote that I liked!
Hao Sheng
Hao Sheng
June 30, 2023
I got a great quote from mychoice. Would definitely recommend everyone to start a quote. I got a much cheaper rate from CAA than my TD
Leo Brasil
Leo Brasil
June 19, 2023
Great experience getting an online quote, quick and easy. All things considered, it looks like I'm going to save around $80 a month on my car insurance!
Mark Whiteley
Mark Whiteley
June 19, 2023
I was shopping around for home/auto insurance because my rates seemed to skyrocket on renewal. MyChoice allowed me to easily search for the most competitive rate, and next thing I know I'm saving $400 a year. Strongly recommend it!
Secure. No Spam. No Fees.
Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on March 20, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated March 20, 2024

Visit author page

12 minute read

Article Contents

How Can You Get Cheap Car Insurance in North Bay?

You can get cheap North Bay car insurance by finding the best deals. Here are several tips to help you do so:

Compare Rates Between Insurers

North Bay has a highly competitive auto insurance market, so insurers are constantly vying for your business. When insurers try to give you the best deals, it’s you who wins. Compare rates and shop around to see which insurance provider fits your auto protection needs affordably.

Take Bundled Policies

One of the best ways to save money while shopping is to buy a package deal, and insurance is no different. If you bundle home and auto insurance from the same company, you’re much more likely to get lower rates.

Ask For A Higher Deductible

You must pay a deductible on insurance claims before your carrier covers the remaining expenses. A higher deductible means paying extra if something happens to your car, but it also means you’ll get lower insurance premiums.

Request Group Discounts

Many insurance companies deal in group discounts for companies and other organizations. If you’re shopping for auto insurance in North Bay for work, ask your agent about group deals and discounts.

Pay Annual Premiums

Paying annual insurance premiums might look expensive initially, but it’s generally cheaper than paying them monthly. Ask your insurers about half-year premiums if you can’t afford annual premiums.

Drive Safely

Motor vehicle offences and accidents stay on your record for years. Unfortunately, any driving violation on your record will considerably increase your insurance rates. However, this also means you’ll get lower auto insurance rates if you have no offences on record.

Consider Taking Usage-Based Insurance

Usage-based insurance (UBI) or pay-as-you-go insurance tracks your driving behaviour to determine how much you must pay for insurance. Taking UBI lets you save up to 30% on your annual premiums, so it’s a good option if you consider yourself a safe driver.

Take Driving Courses

Accredited driving lessons make you a safer driver and let you earn discounts on auto insurance in North Bay.

Choose the Coverage You Need

Naturally, more insurance protection leads to higher rates. While some auto insurance coverage is mandatory, you have optional insurance coverage like at-fault accident and theft protection. Review your policy and skip unnecessary optional coverage to save on insurance premiums.

Buy Affordable Cars

Cars that are expensive and hard to replace tend to get hit with higher premiums. If possible, buy affordable and reliable cars that are more common and easy to repair or replace if you want lower insurance rates.

Quick Facts About Auto Insurance in North Bay

  • North Bay car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in North Bay for a driver with comprehensive/collision coverage and a clean record is around $1,449.
  • Comparing North Bay auto insurance quotes with MyChoice can save you up to $1,029 annually.

Who Provides Car Insurance Quotes in North Bay?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in North Bay. Here’s an overview of these four insurance quote providers:

Insurance Brokers

Insurance brokers are independent professionals who help you shop for the best rates by comparing deals from multiple insurers. Because they have a bird’s-eye view of the current North Bay insurance landscape, they can show you which companies offer the best insurance deals and answer any questions you may have.

Brokers take a commission from insurance companies, which could increase your rates. You might spend more money than if you had found an insurer yourself.

Direct Writers

Like insurance agents, direct writers only sell insurance products from one company. Direct writers are typically found online and are cheaper because they don’t have physical offices.

Insurance Agents

Insurance agents work for a certain insurer, so they can only offer their employer’s insurance products. However, they know their insurer like the back of their hands and might even give you discounts that brokers don’t have access to.

Additionally, insurance agents can close insurance sales independently, meaning you can purchase insurance from them right then and there. 

Insurance Aggregators

An insurance aggregator website like MyChoice compiles rates from various insurance brokers, companies, and direct writers in one place. You can browse aggregator websites to find the best deals from the top insurance companies and get quotes instantly.

Better yet, insurance aggregators are accessible online and entirely free for customers, so you can look up insurance rates without spending a single penny or leaving the house.

How Does Car Insurance Work in North Bay?

Car insurance in North Bay works by providing financial coverage in case something bad happens to you or your car, depending on the protection you choose. Auto insurance in North Bay is mandatory by local laws, which means you need car insurance to avoid fines or driver’s licence suspensions.

Worse still, if you get convicted of driving without insurance, you’ll get higher premiums from carriers. This makes driving again prohibitively expensive or even nearly impossible after being caught driving without insurance. That’s why getting auto insurance is essential before buying a car or driving in North Bay.

Here’s a breakdown of the key elements of your auto insurance policy:

The mandatory car insurance requirement for North Bay drivers are:

Third-Party Liability (TPL) Coverage 

This insurance component provides financial compensation if you cause an accident that results in car damage or somebody getting hurt or killed. Per Financial Services Commission of Ontario (FSCO) regulations, you need at least $200,000 in TPL coverage.

Statutory Accident Benefits Coverage

This insurance component pays for your medical bills, rehabilitation, and possible funeral expenses if you get hurt or killed in a car accident, regardless of who’s at fault. Accident benefits coverage also offers income replacement worth 70% of your gross income, capped at $400 per week.

Uninsured Automobile Insurance 

Uninsured automobile insurance covers your medical bills and funeral expenses if you’re struck by uninsured vehicles or hit-and-run drivers. Additionally, it compensates for vehicular damage caused by uninsured drivers.

Direct Compensation – Property Damage (DC-PD) Insurance

DC-PD insurance compensates you for the damage other drivers cause in an accident. However, DC-PD only kicks in if the other person is at fault, they’re also insured, and the accident takes place in North Bay. 

Once you meet the minimum car insurance coverage requirements, you can legally drive in North Bay. However, it pays to have extra protection beyond the basics in case you get in an accident.

Since minimum car insurance only goes so far, we’ve got some extra North Bay car insurance recommendations for you:

Extra TPL Coverage

The mandatory $200,000 insurance minimum can be too small, so many drivers choose to get coverage up to $2 million if they cause property damage or hurt somebody in an accident.

Additional Statutory Accident Benefits

Many people get additional coverage for medical bills and funeral expenses in their statutory accident coverage. You can also get extra income replacement protection if 70% income capped at $400 a week seems too limited.

More Comprehensive Property Damage Protection

DC-PD coverage has very specific coverage terms like the other driver also needs to be insured, and the accident must occur in North Bay. To cover their bases, many people purchase extra insurance that still protects them even when the other driver is uninsured, and the accident happens in other provinces.

In addition to mandatory insurance coverage outlined by the FSCO, you can take optional insurance coverage like:

Specified Perils Protection

Specified perils insurance coverage protects you from loss or damage due to a specific cause. The most common perils insured are:

Many insurers also offer comprehensive auto insurance in North Bay if you want protection from all these perils.

Accident Forgiveness

Insurers usually raise your premiums if you’re at fault for causing an accident. If you’ve been a safe driver for several years, you can take extra accident forgiveness coverage so you won’t get higher premiums if you cause an accident. Note that accident forgiveness only works on your first accident, and subsequent violations will still raise your rates.

Limited Depreciation Waiver

If you take a limited waiver of depreciation, you can receive your car’s purchase price as compensation if it’s been stolen or deemed a total loss after an accident. 

How Your Car Insurance Quotes Are Calculated in North Bay

Your car insurance rates are calculated based on how risky you are to insure. Naturally, drivers more likely to get into accidents will have higher premiums than those less likely to be in an accident.

Here are seven factors that influence your North Bay car insurance quotes:

Age, Gender, and Marital Status

Your personal demographics influence auto insurance premiums in North Bay because different people have varying accident risks. 

Younger people tend to get higher premiums because insurance companies see them as more accident-prone than older people. Generally, your car insurance rates start decreasing when you hit 25 years old as long as you keep a safe driving record. However, insurance premiums increase again for people aged 65 and older because they’re more likely to be injured or killed in traffic accidents.

Women often get lower insurance rates because they’re seen as more careful drivers and don’t take as many risks as men.

Marital status also determines your rates because most insurance companies see married people as more financially stable and less-risky drivers. Married couples also tend to bundle home and auto insurance, saving more on premiums.


People who live in urban areas often see higher insurance premiums because they’re more prone to car accidents and theft. 

Car Make and Model

Expensive cars are more costly to repair or replace, so insurance premiums are usually higher than more common vehicles. You can install security features like anti-theft devices if you have an expensive car and want to save on insurance premiums.

Driving History

People who drive safely are rewarded with lower premiums because they’re usually less likely to get into a traffic accident. Conversely, people who have gotten into multiple accidents get higher premiums because they’re more likely to be involved in another accident down the line.

Driving Activity

Logic dictates that people who drive frequently are more likely to get in an accident. Therefore, kilometres driven is one of the determining factors that set your North Bay auto insurance rates.

Insurance Coverage Chosen

Your coverage options influence your insurance rates because taking more coverage gives you more protection. Naturally, the more coverage you choose, the higher your rates.

Policy Discounts

Getting discounts can lower your auto insurance rates and make them more affordable. You can typically get discounts by bundling home and auto insurance or asking for a group discount for your workplace or organization.

Most Expensive Postal Codes in North Bay

The average annual car insurance rate in North Bay is $1,449, cheaper than Ontario’s annual average of $1,673.

P1A (South North Bay) is the most expensive postal code in the city.

Postal codeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in North Bay

P1C (North North Bay) has the lowest insurance rate, below the city average.

Postal codeAverage Annual Car Insurance Premium

Car Insurance Cost in North Bay by Age

Age impacts car insurance rates because it’s closely related to your accident risk. 

New drivers pay more because they’re usually inexperienced and are more likely to get into an accident. Meanwhile, older drivers pay more because they’re more likely to get hurt or killed in an accident.

Here’s how your age influences auto insurance rates in North Bay:

AgeAverage Annual RatesAverage Savings with MyChoice

Car Insurance Cost in North Bay by Driving History

Driving history impacts auto insurance premiums because insurance companies use it to gauge your accident risk. 

High-risk drivers get higher rates because of their many demerits and traffic violations, which means they’re more likely to re-offend. Meanwhile, consistently safe drivers get lower rates because they’re less likely to get into accidents.

Ontario laws state that traffic violations and demerits “reset” after two years, but insurers often check your record as far back as 10 years when assessing your driving risk.

Here’s how different traffic offences affect your car insurance rates:

Driving ViolationAverage Annual Car Insurance Premium
Clean driving record$1,449
Insurance cancellation due to non-payment$2,376
Licence suspension for alcohol-related offences$1,739
One accident$3,188
Speeding ticket$1,884

Other Factors That Affect Car Insurance Prices in North Bay

We’ve covered several factors that influence car insurance rates in North Bay. Aside from those, several extra factors play a part in determining your North Bay auto insurance premiums:

Vehicle Model Accident Rates

Some cars are just more accident-prone than others. Even if you have a spotless driving record, owning a car model infamous for having high accident rates will increase your insurance premiums.

Vehicle Age

Naturally, older cars are more expensive to insure because they may not have all the safety features of newer vehicles. If you insist on driving a vintage car everywhere, make sure you can pay the insurance premiums.

Vehicle Repair Costs

The harder it is to repair a car, the more expensive it is to insure. You can expect high insurance premiums on luxury cars and foreign cars that don’t have a large dealership or service centre presence in Canada.

Vehicle Primary Usage and Annual Mileage

You may spend more or less time on the road depending on what you use the car for. Car usage influences insurance rates – generally, the more you use it, the higher your premiums. For instance, insurance premiums on a car you use as an Uber will be higher than on a car you almost exclusively take on weekend cruises.

A good way to measure how much somebody uses a car is by its annual mileage. If your car has low annual mileage, insurers may determine that this car is low-risk and thus grant you more affordable insurance rates.

Local Crime Rates

Living in high-crime areas means your car is at higher risk of being stolen or vandalized. If you live in an area where theft or vandalism often occurs, you may get higher car insurance rates.

Past Insurance Claims

Any auto insurance claims will drive your premiums up, regardless of who’s at fault. If you make many insurance claims, the insurer will see you as a high-risk policyholder and give you higher rates.

Loyalty Bonuses

Many insurance companies reward long-term customers with discounted rates. If you’ve been a policyholder at the same insurance company for several years, ask for a rate reduction or discount when you renew your policy.

The Best Car Insurance Brokerages in North Bay

Car insurance brokers make insurance shopping easier by comparing policies and answering your questions. 

You can contact several insurance brokers in North Bay that for assistance when looking for auto insurance:

BrokerageAddressPhone number
North Bay Insurance Brokers705 Cassells St
North Bay, ON P1B 4A3, Canada
Kennedy Insurance Brokers Inc160 King St W
North Bay, ON P1B 5Z7, Canada
BrokerLink1145 Cassells St
North Bay, ON P1B 4B4, Canada
Gifford Carr Insurance Group400 Airport Rd Unit # 3
North Bay, ON P1B 0A6, Canada

Driving in North Bay

Located next door to Toronto, North Bay is the second-most populous municipality in the Greater Toronto Area (GTA), right after Toronto itself. Its multicultural population and thriving business district make it a great place to live.

Between its forests, rivers, and lakes, North Bay is a great city if you love the outdoors. However, don’t let its closeness to nature fool you – it’s an economically diverse city with lots of job opportunities for professionals.

Is driving in North Bay an enjoyable experience? Here are some key facts about driving in the city:

  • Major highways in North Bay: 11, 17
  • Public transit options: North Bay Transit (bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: The City of North Bay, private lots
  • Top tourist attractions: Laurier Woods Conservation Area, Duchesnay Falls Trails, Canadian Forces Museum of Aerospace Defence, North Bay Heritage Train and Carousel
  • Busy intersections: Algonquin Avenue, Front, and Jane Street
  • Airports: North Bay/Jack Garland Airport

Main Mode of Commuting in North Bay

15,600 of North Bay’s 18,170 commuters take cars, trucks, or vans to work. Public transportation isn’t as popular in this city, with only 635 users. In fact, the number of public transportation users is just half of pedestrian commuters, which number at 1,410. Here’s  a detailed look at the main modes of commuting in North Bay:

Main mode of commutingCountsRates
Total – 25% sample data18,170100.0
Car, truck or van15,60085.9%
Car, truck or van – as a driver14,05577.4%
Car, truck or van – as a passenger1,5508.5%
Public transit6353.5%
Other method3652.0%

Commuting Duration in North Bay

Almost 90% of North Bay’s commuters get to work within 30 minutes. Long commutes are few and far between in the city, with only around 10% people who reported their commute lasting over 30 minutes. Learn more about North Bay’s commuting times in the table below:

Commuting durationCountsRates
Total – 25% sample data18,170100.0
Less than 15 minutes10,91060.0%
15 to 29 minutes5,31529.3%
30 to 44 minutes1,0355.7%
45 to 59 minutes5,5802.1%
60 minutes and over5403.0%

Driving Conditions in North Bay

Snow and rain affect your auto insurance premiums because they impact your driving risk. Here’s a look at driving conditions in North Bay:

  • Average daily commute time: 32 minutes round trip
  • Average annual rainfall: 55.75 mm
  • Average annual snowfall: 117.7 mm
  • Rainy days per year: 137
  • Rainiest month in North Bay: July
  • Driest months in North Bay: June, July
  • Snow days per year: 114
  • Snowfall months in North Bay: October – May

Traffic in North Bay

North Bay is a small, low-density city of roughly 50,000 people. Without a lot of people around, traffic in North Bay is relatively sparse compared to other cities. Here’s a quick look at the key traffic statistics in North Bay:

  • Population: 52,662 people live within North Bay’s city limits.
  • City area: North Bay’s city area spans 319.11 km2.
  • Time spent in traffic annually: The average North Bay resident spends 32 minutes in traffic daily, totalling roughly 195 hours per year.
  • Busiest highways: North Bay is one of the exits on Highway 17, an essential highway linking the eastern and western parts of Canada.

The Most Common Questions About Car Insurance in North Bay

Is ridesharing insurance available in North Bay?

Ridesharing insurance is available in North Bay. Check with your insurer for more information.

How much does North Bay car insurance cost?

Car insurance in North Bay costs $1,449/year on average.

Is car insurance cheaper in North Bay than in Sudbury?

Car insurance in North Bay is more expensive than in Sudbury by roughly $50.

Why should you compare car insurance rates in North Bay?

You should compare car insurance rates in North Bay because insurers offer different levels of protection at different prices. Comparing rates helps you find the best-valued deals and save money on insurance.

What information do you need for an auto insurance quote in North Bay?

You need to provide basic personal details and car information like its production year, make, and model for a basic auto insurance quote in North Bay. You can get even more accurate rates by providing additional data like your driving record and past traffic violations.

How do you find affordable car insurance for students in North Bay, Ontario?

There are no specific affordable car insurance policies for students in North Bay, but they can be included in their parent’s insurance policy – meaning they don’t have to pay for a solo policy.

Which auto insurance is the best for young drivers in North Bay?

The best auto insurance for young drivers should be the one that provides protection at a reasonable cost. You may also need additional coverage beyond the mandatory coverage to anticipate any possible accidents.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, North Bay, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, North Bay, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, North Bay, Car Insurance Quotes Collected, 2023.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, North Bay, Car Insurance Quotes Collected, 2023.

5. City of North Bay Website, Driving & Transit Information. Data Collected, 2023.

6. Statistics Canada, 2021, Census of Population, Ontario, North Bay, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Ontario, North Bay, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Ontario, North Bay.

9. 511 Ontario Traveller Information, Ontario, North Bay.

Congratulations! You made it to the end!

Now, here is the easy part: complete your quote in under 2 minutes
Secure. No Spam. No Fees.

Discover More About

Learn about the steps of how to get your car back from impoundment and the implications it might have on your auto insurance.
Read our article to learn the truth behind the 12 most common car insurance myths to ensure you make informed insurance decisions.
The Alberta government has announced a comprehensive reform of the auto insurance system, set to take effect in 2024. Read on to learn more.

Even More Ways To Save