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Though North Bay originally grew out of the resource sector, the early development of three railways running through town brought early diversity. Mining and logging activity got a boost from the railways, and North Bay’s location in the north-south line between Toronto and the mining centers to the north meant security for the young town.

As an important part of the NORAD system during the Cold War, a strong military presence, both Canadian and the U.S., raised the profile of North Bay. Extensions to the city’s airport runways meant that during the September 11 Crisis in 2001, the airport served as an emergency facility as airliners rushed to get out of the skies. The longest runway was even certified as an alternate landing strip for NASA’s Space Shuttle program.

Today, education, health, and other public sector jobs dominate the local economy. At 330 km north of Toronto, North Bay, along with Sudbury, is a major center in Ontario’s near north. Its mobile population is frequent car owners. With a stable population of about 53,000 people, the city avoids many of the typical issues that larger centers experience.

How Much Does Car Insurance Cost in North Bay

The average cost of car insurance in North Bay is $1,282.

Quote DateAverage Auto Insurance Cost in North Bay*

*Methodology: We used a sample profile for a male driver aged 30 years with his own vehicle having mandatory coverage. He drives a Honda Civic 2012 car with an average mileage of 5000 – 8000 km per year to commute to work. He has a clean driving record history of 5 years with no accidents or collisions.

We surveyed the car insurance prices in the city of North Bay for the purpose of illustrating the range in quotes based on driving record, location, and other criteria. To get a customized quote, enter your postal code above.

Affordable Car Insurance in North Bay


Private insurance companies supply the auto insurance market in Ontario. Because of that, competition drives aggressive pricing. Countering is the high level of regulation that the government places on the industry. That, combined with problems created in Canada’s most populated corridor, gets shared between all drivers in the province, creating the highest auto insurance costs in the country.

Finding affordable insurance comes down to comparing prices from as many insurers as possible. Despite government regulations, insurance companies decide on their own procedures for underwriting policies. As long as these procedures and rates receive approval from the Financial Services Commission of Ontario, the insurer has flexibility. This is why no two insurance companies will charge exactly the same rate for similar coverage. Not only that, there can sometimes be hundreds of dollars difference between two companies.

This aids motorists with less than perfect driving records. Where one company may penalize a driver with a speeding ticket or other infraction, another company may not consider the offense as heavily. Comparing rates at renewal time is just good practice to ensure you’re getting the best value for your car insurance needs.

Statutory Car Insurance Requirements

One thing to keep in mind about Ontario car insurance has to do with statutory insurance requirements. While every car must carry a minimum of insurance as mandated by the government, this minimum amount of coverage may not be adequate in providing you with the protection you expect. The province requires $200,000 in third-party liability insurance. This may not be enough to cover costs from an at-fault accident that results in a lawsuit. Many motorists purchase additional insurance to bring coverage to $500,000, $1 million or more to reflect current settlement rates.

As well as this, the province made changes to statutory accident benefits in June 2016. These changes reduced the amount that insurers are obligated to pay for health care costs resulting from an accident beyond those covered by provincial health insurance. Drivers can top up that amount, and as a result, more industry professionals advise this in the wake of the changes.

Driving in North Bay

  • Highway 11 provides north-south access through North Bay. Highway 17 shares part of 11’s run through the city as the major east-west through route. Each of these highways is part of the Trans-Canada Highway network, meeting up again in Thunder Bay.
  • Highway 63 heads northeast out of North Bay, connecting to towns over to, and crossing, the Quebec border. Highway 63’s western terminus is at Highway 11 at Northgate Shopping Centre.
  • The city’s location on the northeast edge of Lake Nipissing defines much of the life in town. Oak Street, Main Street, and McIntyre Street run parallel from southeast to northwest through the city center.
  • Lakeshore Drive, in the south, and the merge with Highway 17 to the east are controlled access, grade-separated intersections. From Seymour Street through town to both the north and west, Highways 11 and 17 remain grade level, with stoplight intersections.

Road Information for North Bay

Driving Facts for North Bay

  • Due to the steep hill on Highway 11, coming south into North Bay, there is a runaway truck exit lane heading southbound. This is the only such lane in Ontario’s highway system.
  • Highway 11B and 17B denote business section access to towns along their routes. In most places, towns are bypassed and the B routes decommissioned or downloaded to municipal levels. Main Street West in North Bay maintains the 17B designation.
  • Planning is underway to convert Highways 11 and 17 to full controlled-access freeways. Highway 11 will be re-routed away from its current Algonquin Avenue route.
  • The North Bay downtown train station stopped serving passenger trains in 2012. It remains the site of the intercity bus terminal.

List of North Bay Auto  Insurance  Brokers and Companies

Rivet Insurance1180 Cassells St, North Bay, ON P1B 4B6705-474-4430
Demarco-Lucenti Brokers Ltd693 Cassells St, North Bay, ON P1B 4A1705-474-2420
Knox Insurance Brokers705 Cassells St, North Bay, ON P1B 4A3705-474-4000
Cambrian Insurance Brokers Ltd2535 Trout Lake Rd, North Bay, ON P1B 7S8705-472-4200
Allstate Insurance Company of Canada400 Airport Rd, North Bay, ON P1B 0A6705-995-2709
BrokerLink203-591 Main St E, North Bay, ON P1B 1B7705-476-3411
Hutchison Insurance Services Ltd420 Main St E, North Bay, ON P1B 1B5705-475-0001
Optimum Insurance147 McIntyre St W, North Bay, ON P1B 2Y5705-476-4814
Blue Sky Insurance Brokers100-128 McIntyre St W, North Bay, ON P1B 2Y6705-497-3723
Despres-Pacey Insurance Brokers Limited1339 Fisher St, North Bay, ON P1B 2H2705-482-1503
Kennedy Insurance Brokers Inc414 Fraser St, North Bay, ON P1B 3W9705-472-5950
Accident Support Services135 Princess W, North Bay, ON P1B 8J8705-497-1600
Hutchison Insurance Services Ltd5-392 Airport Rd, North Bay, ON P1B 8X17054747475
The Co-operators326 Airport Rd, North Bay, ON P1B 8W9705-474-5900
The Co-operators300 Lakeshore Dr, North Bay, ON P1A 3V2705-474-4477
Ancorra Insurance Services6-191 Booth Rd, North Bay, ON P1A 4K3705-980-0274

North Bay residents can take advantage of Ratelab’s car insurance calculator to generate auto insurance quotes designed around their needs. The calculator takes car insurance information and shops it with dozens of insurance industry partners to find both the lowest rates and best fits. You can start the process now by entering your home postal code in the space provided below. The calculator guides you through the process and in minutes you have estimates from the most affordable insurers in your area. Enter your postal code now.

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