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North Bay Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$84.22Jul 24, 2024, 04:44 PMAuto63FemaleM1J2C8
$43.53Jul 24, 2024, 06:04 PMHome47MaleL7P1Y9
$29.37Jul 24, 2024, 09:54 AMTenant41MaleN8W5N7

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 15, 2024

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

Updated May 15, 2024

Visit author page

4 minute read

Article Contents

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.

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

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

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

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 can you get cheaper car insurance in North Bay?

Compare car insurance rates in North Bay with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.


Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.


Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.


MyChoice data science, MyChoice research.


1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Ontario, North Bay, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Ontario, North Bay, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Ontario, North Bay, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Ontario, North Bay, Car Insurance Quotes Collected, 2024.

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.

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