Car Insurance in Timmins at a Glance
| Average annual premium: | $1,716 |
| YoY city rate change: | +5.2% |
| Average monthly premium: | $143 |
| Timmins premium vs. Ontario average: | -19.5% less expensive |
| Cheapest postal code: | P4P ($1,683) |
| Most expensive postal code: | P4N ($1,745) |
| Maximum savings with MyChoice: | $979 |
How Does Car Insurance Work in Timmins?
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 Timmins 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 Timmins referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $766 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $950 |
| Coverage Total: | $1,716 |
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 Timmins 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 | $240 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $513 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $13 |
| Coverage Total: | $766 |
Quote data from MyChoice.ca, May 2026
Highly Recommended Coverages:
Any of the highly recommended coverages listed below for Timmins 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. | $421 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $256 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $186 |
| 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. | $21 |
| 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. | $25 |
| OPCF 43: Waiver of Depreciation | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $1 |
| Coverage Total: | $950 |
Quote data from MyChoice.ca, May 2026
How Timmins Car Insurance Rates Compare to Nearby Cities
Timmins has the lowest car insurance rates compared to nearby Northern Ontario cities. Here’s how they compare:
| City | Average Annual Car Insurance Premium | Difference from Timmins Premium |
|---|---|---|
| Timmins, ON | $1,716 | – |
| Sudbury, ON | $1,842 | +7.3% |
| North Bay, ON | $1,763 | +2.7% |
| Thunder Bay, ON | $2,032 | +18.4% |
| Sault Ste. Marie, ON | $1,888 | +10.0% |
| Barrie, ON | $2,118 | +23.4% |
Quote data from MyChoice.ca, May 2026
Cheapest Postal Codes to Insure a Car in Timmins
The P4P area in Timmins has the lowest car insurance premium rates in the city:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P4P | $1,683 |
Quote data from MyChoice.ca, May 2026
Most Expensive Postal Codes to Insure a Car in Timmins
The P4N area in Timmins has the highest car insurance premium rates in the city:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P4N | $1,745 |
Quote data from MyChoice.ca, May 2026
Accident Rates by Postal Code in Timmins
Not all parts of Timmins 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 Timmins’s postal codes, based on over 50,000 quotes analyzed by MyChoice.
Source: MyChoice Quote Database
On average, 14.2% of Timmins drivers have an accident on their record, but that varies by area, from as low as 13.1% in some areas to 18.3% in others.
Areas with the highest accident rates:
- P4R — South Porcupine / Porcupine: 18.3% of drivers have an accident on record
- P4P — West Timmins / Schumacher: 15.9%
Areas with the lowest accident rates:
- P4N — Downtown Timmins / Mountjoy: 13.1%
Drivers in South Porcupine (P4R) are 1.4x more likely to have an accident on their record than drivers in Downtown Timmins (P4N).
Car Insurance Cost in Timmins by Age
Your age plays a key role in determining your auto insurance premiums. Insurance companies typically charge more to young drivers and seniors. This is because the former are inexperienced and don’t have a sufficient driving record to prove how capable they are on the road, while the latter are at an increased risk of severe injury in the event of a traffic accident.
Below, we list the average cost of auto insurance by age group in Ontario:
| Age | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18-20 | $4,925 | $979 |
| 21-24 | $2,540 | $505 |
| 25-34 | $1,956 | $389 |
| 35-44 | $1,716 | $341 |
| 45-54 | $1,459 | $290 |
| 55-64 | $1,356 | $270 |
| 65+ | $1,390 | $276 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Timmins by Driving History
Auto insurers are always looking at how much risk they have to bear for each client, so driving history is another factor that affects car insurance premiums. High-risk drivers have a higher chance of getting in a traffic accident, thus costing the insurance company more money. Drivers who incur more demerit points and traffic violations are more likely to be labelled “high-risk” drivers and charged higher premiums.
See how different traffic violations impact your auto insurance rates below:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,716 |
| Insurance cancellation due to non-payment | $2,385 |
| Licence suspension for alcohol-related offences | $1,802 |
| One at-fault accident | $3,363 |
| Minor speeding ticket | $2,076 |
Quote data from MyChoice.ca, May 2026
Car Insurance Cost in Timmins by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Timmins. 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 | $1,835 |
| Toyota Corolla | $1,678 |
| Toyota RAV4 | $1,895 |
| Honda CR-V | $1,993 |
| Hyundai Elantra | $1,901 |
| Tesla Model 3/Y | $1,997 |
| Mazda CX-5 | $1,812 |
| Nissan Rogue | $1,646 |
| Ford F-150 | $1,705 |
| RAM 1500 | $2,039 |
| Chevrolet Equinox | $1,492 |
| Subaru Forester | $1,513 |
| Toyota Camry | $1,622 |
| Hyundai Tucson | $1,814 |
| Kia Sportage | $1,533 |
Quote data from MyChoice.ca, May 2026
The Best Car Insurance Brokerages in Timmins
Insurance brokerages help make the process of finding the best rates easier. They take all your information, including your driving history, habits, vehicle make and model, age, gender, etc., and find the best insurance companies and deals that match your needs.
Here are some of the best auto insurance brokerages in Timmins:
| Brokerage | Address | Phone number |
|---|---|---|
| PAIB Insurance Inc. | 101 Pine St S Timmins, ON P4N 2K1, Canada | +18443605300 |
| BrokerLink | 100 Algonquin Blvd E Timmins, ON P4N 1A4, Canada | +17052693000 |
| BMT Insurance & Financial Services | 65 Maple St S Timmins, ON P4N 1Y6, Canada | +17052689988 |
| PBL Insurance Ltd | 100 3rd Ave Timmins, ON P4N 1C3, Canada | +17052681011 |
Driving in Timmins
Known as the “City with a Heart of Gold”, Timmins is a large city in Ontario with a history in gold mining. Today, much of Timmins’ economy is based on the extraction of natural resources, including gold, copper, zinc, nickel, and silver. Timmins is just a few minutes away from the Trans-Canada Highway (Highway 11) and is about a seven-hour drive to Toronto.
Despite being one of the largest cities in Ontario land-wise, Timmins has a modest population of just 42,000 residents. It has plenty of opportunities in terms of employment, education, and recreational activities, yet it still retains a small-town charm to it.
Here are some more fast facts about driving in Timmins:
- Major highways: Highway 11, Highway 144, Highway 101, Highway 655
- Public transit options: Timmins Transit (bus, accessible minibus)
- Ridesharing services: Uride
- Parking space providers: The City of Timmins, private lots
- Top tourist attractions: Timmins Museum and National Exhibition Centre, Cedar Meadows Wilderness Park, Mount Jamieson Resort, Connaught & District Pioneer Museum, Thurston Stained Glass Studio
- Busy intersections: Algonquin Boulevard and Mountjoy Street, Algonquin Boulevard West and Theriault Boulevard, Algonquin Boulevard East and Brunette Road
- Airports: Timmins Victor M. Power Airport
Commuting Duration in Timmins
Over half of the city’s commuters enjoy a short commute of under 15 minutes. Even if their commute lasts over 15 minutes, most of them don’t spend over half an hour on the road. There are some people who spend over 30 minutes getting to work, but they’re relatively few and far between. Here’s a detailed look at commute times in Timmins:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 16,710 | 100.0 |
| Less than 15 minutes | 8,750 | 52.4% |
| 15 to 29 minutes | 4,975 | 29.8% |
| 30 to 44 minutes | 1,755 | 10.5% |
| 45 to 59 minutes | 360 | 2.2% |
| 60 minutes and over | 865 | 5.2% |
Driving Conditions in Timmins
Situated in Northeastern Ontario, Timmins gets very cold winters. From December to March, the average daily temperature is about -12°C. In the summer, average daily highs reach about 24°C. Winter tires are essential for driving around in Timmins during the snowiest months.
Here is an overview of the average driving conditions in Timmins:
- Average daily commute time: 22 minutes round trip
- Average annual rainfall: 555 mm
- Average annual snowfall: 265.3 cm
- Rainy days per year: 117.7 days
- Rainiest month in Timmins: June
- Driest months in Timmins: January
- Snow days per year: 75 days
- Snowfall months in Timmins: October – April
Traffic in Timmins
Traffic isn’t a major problem in Timmins, unlike other large cities in the province like Toronto or Ottawa. Most of its workforce enjoy a relatively short commute of just 11 minutes one way. Many residents bike or walk to work as well.
Traffic is perhaps most notable during winter months when the city is inundated with tourists seeking winter activities like snowshoeing, ice fishing, skiing, and snowmobiling. Timmins has 440 kilometres of wide snowmobiling trails that draw crowds from across the country.
- Population: Timmins has a population of about 41,145 people
- City area: Timmins’ city limits span 3,210 km2.
- Busiest highways: Highway 101 is the busiest in Timmins, Ontario.
- Average commute distance:
- Time spent in traffic annually:
- Average number of collisions: