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

Updated on May 16, 2024

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

Updated May 16, 2024

Visit author page

4 minute read

Article Contents

Quick Facts About Auto Insurance in Timmins

  • Timmins car insurance is LESS expensive than the Ontario average.
  • The average annual car insurance cost in Timmins for a driver with comprehensive/collision coverage and a clean record is around $1,157.
  • Comparing Timmins auto insurance quotes with MyChoice can save you up to $822 annually.

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:

BrokerageAddressPhone number
PAIB Insurance Inc.101 Pine St S
Timmins, ON P4N 2K1, Canada
BrokerLink100 Algonquin Blvd E
Timmins, ON P4N 1A4, Canada
BMT Insurance & Financial Services65 Maple St S
Timmins, ON P4N 1Y6, Canada
PBL Insurance Ltd100 3rd Ave
Timmins, ON P4N 1C3, Canada

Most Expensive Postal Codes in Timmins

The average auto insurance rate in Timmins, Ontario is $1,157, lower than Ontario’s provincial average of roughly $1,673. P4N is the most expensive postal code for auto insurance in Timmins:

Postal CodeAverage Annual Car Insurance Premium

Least Expensive Postal Codes in Timmins 

In terms of the cheapest postal code in Timmins that lies within the P4R area: 

Postal CodeAverage Annual Car Insurance Premium

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: 

AgeAverage Annual RatesAverage Savings with MyChoice

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 ViolationAverage Annual Car Insurance Premium
Clean driving record$1,157
Insurance cancellation due to non-payment$1,897
Licence suspension for alcohol-related offences$1,388
One accident$2,545
Speeding ticket$1,504

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

Main Mode of Commuting in Timmins

Out of the 16,710 commuters in Timmins, 86.8% of them travel by car or other personal vehicle. Cycling is by far the least-popular commuting mode, with under a hundred bicycle commuters. Here’s a closer look at how Timmins’ commuters travel:

Main mode of commutingCountsRates
Total – 25% sample data16,710100.0
Car, truck or van14,51086.8%
Car, truck or van – as a driver13,12078.5%
Car, truck or van – as a passenger1,3908.3%
Public transit7154.3%
Other method3902.3%

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 durationCountsRates
Total – 25% sample data16,710100.0
Less than 15 minutes8,75052.4%
15 to 29 minutes4,97529.8%
30 to 44 minutes1,75510.5%
45 to 59 minutes3602.2%
60 minutes and over8655.2%

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: 1,653 mm
  • Rainy days per year: 117.7 days
  • Rainiest month in Timmins: June
  • Driest months in Timmins: January
  • Snow days per year: 142.2 days
  • Snowfall months in Timmins: January – June, September – December

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: 

The Most Common Questions About Car Insurance in Timmins

How much does Timmins car insurance cost?

Timmins car insurance costs about $1,157 on average.

Why should you compare car insurance rates in Timmins?

You should compare car insurance rates in Timmins because each insurance provider has its own way of computing premium rates. The best way to find a good deal would be to compare rates across different providers.

How can you get cheaper auto insurance in Timmins?

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


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

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

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

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

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

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

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

8. Weather Network Canada, Historical Averages, Ontario, Timmins.

9. 511 Ontario Traveller Information, Ontario, Timmins.

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