Quote data from MyChoice.ca, March 2025
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:
| Brokerage | Address | Phone number |
|---|---|---|
| Westland Insurance | 214 Red River Rd Thunder Bay, ON P7B 1A6, Canada | +18073453611 |
| BrokerLink | 1139 Alloy Dr Suite 110 Thunder Bay, ON P7B 6M8, Canada | +18076226155 |
| Jones & Associates Insurance | 521 Memorial Ave Thunder Bay, ON P7B 3Y6, Canada | +18073439444 |
| Youngs Insurance Brokers Inc | 905 Tungsten St Thunder Bay, ON P7B 5Z3, Canada | +18073449999 |
Most Expensive Postal Codes in Thunder Bay
Car insurance costs an average of $1,489 in Thunder Bay, meaning prices are below the provincial average of $1,720 and P7A is the Thunder Bay postal code with the most expensive car insurance rates.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P7A | $1,541 |
| P7C | $1,536 |
| P7B | $1,534 |
Quote data from MyChoice.ca, March 2025
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 Code | Average Annual Car Insurance Premium |
|---|---|
| P7G | $1,419 |
| P7J | $1,424 |
| P7K | $1,426 |
Quote data from MyChoice.ca, March 2025
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:
| Age | Average Annual Rates | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $5,317 | $1,058 |
| 21-24 | $3,038 | $604 |
| 25-34 | $2,026 | $403 |
| 35-44 | $1,489 | $296 |
| 45-54 | $1,221 | $243 |
| 55-64 | $1,038 | $207 |
| 65+ | $1,183 | $235 |
Quote data from MyChoice.ca, March 2025
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 Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,489 |
| Insurance cancellation due to non-payment | $2,442 |
| Licence suspension for alcohol-related offences | $1,787 |
| One accident | $3,277 |
| Speeding ticket | $1,936 |
Quote data from MyChoice.ca, March 2025
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 commuting | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 39,345 | 100.0 |
| Car, truck or van | 34,820 | 88.5% |
| Car, truck or van – as a driver | 32,030 | 81.4% |
| Car, truck or van – as a passenger | 2,785 | 7.1% |
| Public transit | 1,500 | 3.8% |
| Walked | 1,860 | 4.7% |
| Bicycle | 455 | 1.2% |
| Other method | 715 | 1.8% |
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 duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 54,965 | 100.0 |
| Less than 15 minutes | 20,910 | 53.1% |
| 15 to 29 minutes | 14,660 | 37.3% |
| 30 to 44 minutes | 2,195 | 5.6% |
| 45 to 59 minutes | 540 | 1.4% |
| 60 minutes and over | 1,040 | 2.6% |
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.