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Thunder 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 Thunder Bay

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

The Best Car Insurance Brokerages in Thunder Bay

Working with an insurance broker can make getting cheaper insurance rates easier. Brokers can directly negotiate with insurers to get a quote that suits your budget.

Below are some of the best car insurance brokerages in Thunder Bay:

BrokerageAddressPhone number
Westland Insurance214 Red River Rd
Thunder Bay, ON P7B 1A6, Canada
BrokerLink1139 Alloy Dr Suite 110
Thunder Bay, ON P7B 6M8, Canada
Jones & Associates Insurance521 Memorial Ave
Thunder Bay, ON P7B 3Y6, Canada
Youngs Insurance Brokers Inc905 Tungsten St
Thunder Bay, ON P7B 5Z3, Canada

Most Expensive Postal Codes in Thunder Bay

Car insurance costs an average of $1,449 in Thunder Bay, meaning prices are below the provincial average of $1,673 and P7A is the Thunder Bay postal code with the most expensive car insurance rates.

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Thunder Bay

P7G is the cheapest postal code for car insurance in Thunder Bay – here’s a more detailed look:

Postal CodeAverage Annual Car Insurance Premium

Car Insurance Cost in Thunder Bay by Age

Your age can play a significant role in how much you pay for car insurance. 

Generally, younger drivers pay higher premiums because they lack experience on the road. Fortunately, there are ways for student drivers to keep these rates low, including enrolling in driving school, applying for student discounts, or getting listed as a secondary driver on a parent’s existing policy.

Senior drivers also tend to pay higher insurance rates because of an increased likelihood of severe injury after an accident.

Take a closer look below at how your age can affect car insurance premiums:

AgeAverage Annual RatesAverage Savings with MyChoice

Car Insurance Cost in Thunder Bay by Driving History

A bad driving record can significantly increase your insurance premiums. In fact, an at-fault accident can result in higher premiums for up to 10 years.

On average, Ontario speeding tickets remain on your record for up to three years. After they get expunged, insurers can no longer penalize you for them. In comparison, more severe convictions, such as distracted driving or collisions involving injury, can lead to the cancellation of your policy.

Check out how various driving violations can affect your 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 Thunder Bay

Thunder Bay is situated in the upper North Western parts of Ontario and is a geographical crossroad for travellers. While public transportation is adequate, most people must get around by car. Here are a few things you should know about driving in Thunder Bay:

  • Major highways: Thunder Bay Expressway, Harbour Expressway
  • Public transit options: Thunder Bay Transit (bus)
  • Ridesharing services: Uber, Lyft
  • Parking space providers: City of Thunder Bay, private lots
  • Top tourist attractions: Fort William Historical Park, Hillcrest Park, Terry Fox Monument, Mount McKay, Blue Point Amethyst Mine, Marina Park
  • Busy intersections: Arthur Street to James Street South, Central Avenue to Memorial Avenue, Balmoral Street, Golf Links Road
  • Airports: Thunder Bay International Airport

Main Mode of Commuting in Thunder Bay

88.5% of Thunder Bay commuters choose to travel by car, truck, or van. Despite the city’s adequate public transit, it’s just the third-most popular mode of commuting with 1,500 users. Pedestrian commuters edged out public transit users for the second spot by around 300 people. Learn more about Thunder Bay’s mode of commuting from the table below:

Main mode of commutingCountsRates
Total – 25% sample data39,345100.0
Car, truck or van34,82088.5%
Car, truck or van – as a driver32,03081.4%
Car, truck or van – as a passenger2,7857.1%
Public transit1,5003.8%
Other method7151.8%

Commuting Duration in Thunder Bay

More than half of Thunder Bay’s commuters get to work within 15 minutes. In fact, over 90% of the city’s commuters spend less than 29 minutes on the road, which makes commute times in the city relatively fast. Here’s a detailed breakdown of the commuting duration in Thunder Bay:

Commuting durationCountsRates
Total – 25% sample data54,965100.0
Less than 15 minutes20,91053.1%
15 to 29 minutes14,66037.3%
30 to 44 minutes2,1955.6%
45 to 59 minutes5401.4%
60 minutes and over1,0402.6%

Driving Conditions in Thunder Bay

The Thunder Bay area is occasionally prone to dangerous driving conditions because of flash flooding and an abundance of wildlife. In addition, Thunder Bay experiences a lot of off-road traffic, so you’ll want to be aware of your surroundings.

Here’s some more information about the driving conditions in Thunder Bay:

  • Average daily commute time: 17.5 minutes round trip
  • Average annual rainfall: 21.33 mm
  • Average annual snowfall: 1,631 mm
  • Rainy days per year: 33 days
  • Rainiest month in Thunder Bay: June
  • Driest months in Thunder Bay: December – March
  • Snow days per year: 63 days
  • Snowfall months in Thunder Bay: October – May

Traffic in Thunder Bay

Because Thunder Bay is susceptible to volatile weather, expect to run into traffic or dangerous driving conditions occasionally. 

Keep these other critical facts about traffic in Thunder Bay in mind:

  • Population: Roughly 110,172 people live in Thunder Bay.
  • City area: The Thunder Bay city limits span 447.5 km2.
  • Busiest highways: The busiest highways in Thunder Bay are the Harbour Expressway and the Thunder Bay Expressway.
  • Average number of collisions: Roughly 2,012 collisions occur in Thunder Bay each year.

The Most Common Questions About Car Insurance in Thunder Bay

How much does Thunder Bay insurance cost?

Thunder Bay insurance costs an average of $1,449 a year.

Why should you compare car insurance rates in Thunder Bay?

You should compare car insurance rates in Thunder Bay because quotes constantly change. You might find that another insurance provider can offer a lower insurance premium than your current carrier.

Does my Thunder Bay insurance work in the US?

Yes, your Thunder Bay insurance will work in the US. However, most insurers recommend getting additional coverage in case of an accident, as costs may vary.

How can you get cheaper car insurance in Thunder Bay?

Compare car insurance rates in Thunder 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, Thunder Bay, Car Insurance Quotes Collected, 2024.

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

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

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

5. City of Thunder Bay Website, Driving & Transit Information. Data Collected, 2024.

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

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

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

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

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