Car Insurance in North Bay at a Glance
| Average annual premium: | $1,763 |
| YoY city rate change: | +5.4% |
| Average monthly premium: | $147 |
| North Bay premium vs. Ontario average: | -17.3% less expensive |
| Cheapest postal code: | P1C ($1,723) |
| Most expensive postal code: | P1A ($1,789) |
| Maximum savings with MyChoice: | $1,006 |
How Does Car Insurance Work in North Bay?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in North Bay when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in North Bay referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $787 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $976 |
| Coverage Total: | $1,763 |
Quote data from MyChoice.ca, May 2026
*Starting July 1st, 2026, Ontario is splitting Accident Benefits into mandatory and optional components. Income replacement, caregiver benefits, and death benefits are no longer automatically included. Your policy will auto-renew with your current coverage, but if you’re buying a new policy after July 1, you’ll need to actively choose these add-ons.
Mandatory Coverages:
The coverages below are mandatory in North Bay and will always be included in a standard car insurance quote.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued. | $246 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault. | $527 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage. | $14 |
| Coverage Total: | $787 |
Quote data from MyChoice.ca, May 2026
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for North Bay may be removed from your quote. However, we strongly recommend keeping them to ensure adequate protection.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $431 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $264 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $191 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $22 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $23 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $17 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $26 |
| OPCF 43: Waiver of Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $976 |
Quote data from MyChoice.ca, May 2026
How North Bay Car Insurance Rates Compare to Nearby Cities
Drivers in North Bay typically enjoy lower-than-average rates compared to other cities in Central and Northern Ontario. Here’s how it stacks up:
| City | Average Annual Car Insurance Premium | Difference from North Bay Premium |
|---|---|---|
| North Bay, ON | $1,763 | – |
| Sudbury, ON | $1,842 | +4.5% |
| Timmins, ON | $1,716 | -2.7% |
| Huntsville, ON | $1,700 | -3.6% |
| Barrie, ON | $2,118 | +20.1% |
| Orillia, ON | $1,727 | -2.0% |
Quote data from MyChoice.ca, May 2026
Cheapest Postal Codes to Insure a Car in North Bay
P1C (North North Bay) has the lowest insurance rate, below the city average.
| Postal code | Average Annual Car Insurance Premium |
|---|---|
| P1C | $1,723 |
Quote data from MyChoice.ca, May 2026
Most Expensive Postal Codes to Insure a Car in North Bay
The P1A area in North Bay has the highest car insurance premium rates in the city:
| Postal code | Average Annual Car Insurance Premium |
|---|---|
| P1A | $1,789 |
Quote data from MyChoice.ca, May 2026
Accident Rates by Postal Code in North Bay
Not all parts of North Bay have the same accident risk, and your postal code is one of the main factors insurers use to set your premium. The map below shows the percentage of drivers who have been in an accident across North Bay’s postal codes, based on over 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
On average, 12.5% of North Bay drivers have an accident on their record. But that varies by area — from as low as 12.0% in some areas to 13.5% in others.
Areas with the highest accident rates:
- P1B — Downtown North Bay / Waterfront: 13.5% of drivers have an accident on record
Areas with the lowest accident rates:
- P1A — West Ferris / Pinewood: 12.0%
- P1C — Airport / Northgate: 12.0%
Accident rates in North Bay are relatively consistent across postal codes, ranging from 12.0% to 13.5%. Downtown North Bay (P1B) has a slightly higher rate, which can contribute to modest premium differences between areas.
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:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18–20 | $5,060 | $1,006 |
| 21-24 | $2,609 | $519 |
| 25–34 | $2,010 | $400 |
| 35-44 | $1,763 | $351 |
| 45-54 | $1,499 | $298 |
| 55-64 | $1,393 | $277 |
| 65+ | $1,428 | $284 |
Quote data from MyChoice.ca, May 2026
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 Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,763 |
| Insurance cancellation due to non-payment | $2,451 |
| Licence suspension for alcohol-related offences | $1,851 |
| One at-fault accident | $3,455 |
| Minor speeding ticket | $2,133 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in North Bay by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in North Bay. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda Civic | $1,885 |
| Toyota Corolla | $1,731 |
| Toyota RAV4 | $1,935 |
| Honda CR-V | $2,054 |
| Hyundai Elantra | $1,954 |
| Tesla Model 3/Y | $2,075 |
| Mazda CX-5 | $1,878 |
| Nissan Rogue | $1,681 |
| Ford F-150 | $1,755 |
| RAM 1500 | $2,087 |
| Subaru Forester | $1,547 |
| Toyota Camry | $1,662 |
| Chevrolet Equinox | $1,526 |
| Hyundai Tucson | $1,838 |
Quote data from MyChoice.ca, May 2026
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:
| Brokerage | Address | Phone number |
|---|---|---|
| North Bay Insurance Brokers | 705 Cassells St North Bay, ON P1B 4A3, Canada | +17054744000 |
| Kennedy Insurance Brokers Inc | 160 King St W North Bay, ON P1B 5Z7, Canada | +17054725950 |
| BrokerLink | 1145 Cassells St North Bay, ON P1B 4B4, Canada | +17054744430 |
| Gifford Carr Insurance Group | 400 Airport Rd Unit # 3 North Bay, ON P1B 0A6, Canada | +17057079917 |
Driving in North Bay
North Bay is a city in Northeastern Ontario, situated on the shores of Lake Nipissing and Trout Lake. It serves as a regional hub for commerce, healthcare, and government services in the Near North region. With its mix of urban amenities and outdoor recreation, North Bay offers a balanced lifestyle for residents.
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
- 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 and Fisher Street, Lakeshore Drive and Main Street, Trout Lake Road and Highway 11
- 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 commuting | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 18,170 | 100.0 |
| Car, truck or van | 15,600 | 85.9% |
| Car, truck or van – as a driver | 14,055 | 77.4% |
| Car, truck or van – as a passenger | 1,550 | 8.5% |
| Public transit | 635 | 3.5% |
| Walked | 1,410 | 7.8% |
| Bicycle | 155 | 0.9% |
| Other method | 365 | 2.0% |
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: 831.2 mm
- Average annual snowfall: 248.3 cm
- Rainy days per year: 115
- Rainiest month in North Bay: July
- Driest months in North Bay: January, February
- Snow days per year: 65
- Snowfall months in North Bay: November – April
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 133 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
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.