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Things to Know Before Getting North Bay Car Insurance
Here are some things to know before getting car insurance in North Bay:
- Climate: North Bay experiences harsh winter weather, with snow and ice common during the winter months. It’s important to prepare your vehicle for winter driving by using winter tires and ensuring your brakes and other systems are in good working order.
- Traffic: North Bay has a relatively low population, but the city still experiences traffic congestion during peak times. It’s important to be aware of local traffic patterns and adjust your driving accordingly.
- Insurance rates: Car insurance rates in North Bay can be higher than in other parts of Ontario due to the city’s location in Northern Ontario. It’s important to shop around for the best rates and coverage options.
- Road conditions: Some of the roads in North Bay are in poor condition and can be challenging to drive on. Be sure to adjust your driving to suit the road conditions and watch for potholes and other hazards.
- Wildlife: North Bay is surrounded by forests and lakes, which means wildlife such as deer and moose are common in the area. Be sure to stay alert for animals while driving and adjust your speed accordingly.
- Insurance requirements: As with all of Ontario, drivers in North Bay are required to have liability insurance. Additional coverage options, such as collision and comprehensive coverage, may also be recommended.
What is the Average Car Insurance Rate in North Bay
The average annual car insurance premium in North Bay is around $1,301. This is higher than the provincial average in Ontario, which is around $1,500.
Here is a table showing the estimated average monthly car insurance costs range for different driver profiles in North Bay, for a driver profile of age 35, married, and a clean driving record:
Please note that these are estimated costs and may vary depending on a variety of factors, including the driver’s age, gender, location, and the insurance provider. The range of costs provided reflects the estimated lowest and highest costs for each car type category.
| Driver Profile | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| G1 Driver | $330 – $470 | $415 – $590 | $520 – $740 |
| G2 Driver | $250 – $355 | $315 – $450 | $390 – $555 |
| Full G | $190 – $270 | $240 – $345 | $300 – $430 |
| Teenage Driver | $810 – $1155 | $1020 – $1460 | $1275 – $1830 |
| Young Driver | $480 – $685 | $605 – $865 | $755 – $1080 |
| High-risk Driver | $845 – $1205 | $1065 – $1520 | $1330 – $1900 |
| Occasional driver | $135 – $195 | $170 – $245 | $210 – $300 |
| Pleasure driver | $135 – $195 | $170 – $245 | $210 – $300 |
| Commuting driver | $270 – $385 | $340 – $485 | $425 – $605 |
| Good driver | $135 – $195 | $170 – $245 | $210 – $300 |
| Bad driver | $810 – $1155 | $1020 – $1460 | $1275 – $1830 |
| New Driver | $480 – $685 | $605 – $865 | $755 – $1080 |
| Secondary Driver | $145 – $205 | $180 – $255 | $225 – $320 |
| 17 Years Old | $810 – $1155 | $1020 – $1460 | $1275 – $1830 |
| Seniors | $135 – $195 | $170 – $245 | $210 – $300 |
| Over 55 Years Old | $135 – $195 | $170 – $245 | $210 – $300 |
| Students | $480 – $685 | $605 – $865 | $755 – $1080 |
| International Driver | $480 – $685 | $605 – $865 | $755 – $1080 |
| Newcomers | $480 – $685 | $605 – $865 | $755 – $1080 |
| Men Driver | $190 – $270 | $240 – $345 | $300 – $430 |
| Women Driver | $190 – $270 | $240 – $345 | $300 – $430 |
| Married Couples | $135 – $195 | $170 – $245 | $210 – $300 |
| Usage-Based | $135 – $195 | $170 – $245 | $210 – $300 |
| Uber/Lyft | $240 – $345 | $300 – $430 | $375 – $535 |
| Personal use | $135 – $195 | $170 – $245 | $210 – $300 |
Here is a table showing the estimated average monthly car insurance costs range for different types of cars in North Bay, for a driver profile of age 35, married, and a clean driving record:
| Car Type | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| Sedan | $190 – $270 | $240 – $345 | $300 – $430 |
| Convertible | $240 – $345 | $300 – $430 | $375 – $535 |
| Hatchback | $190 – $270 | $240 – $345 | $300 – $430 |
| Wagon | $190 – $270 | $240 – $345 | $300 – $430 |
| Coupe | $240 – $345 | $300 – $430 | $375 – $535 |
| SUV | $270 – $385 | $340 – $485 | $425 – $605 |
| Truck | $270 – $385 | $340 – $485 | $425 – $605 |
| Minivans | $270 – $385 | $340 – $485 | $425 – $605 |
| Van | $270 – $385 | $340 – $485 | $425 – $605 |
| Electric Car | $240 – $345 | $300 – $430 | $375 – $535 |
| Hybrid Car | $240 – $345 | $300 – $430 | $375 – $535 |
| Multi Car | $240 – $345 | $300 – $430 | $375 – $535 |
| Exotic Car | $1000 – $1425 | $1260 – $1805 | $1575 – $2250 |
| Luxury Car | $480 – $685 | $605 – $865 | $755 – $1080 |
| Classic Car | $240 – $345 | $300 – $430 | $375 – $535 |
| Vintage car | $240 – $345 | $300 – $430 | $375 – $535 |
| Sports Car | $480 – $685 | $605 – $865 | $755 – $1080 |
| Leased cars | $270 – $385 | $340 – $485 | $425 – $605 |
| 2 Door | $240 – $345 | $300 – $430 | $375 – $535 |
Here is a table showing the estimated average monthly car insurance costs range in North Bay for a driver profile of age 35, married, with a driving history that includes:
| Driving History | Liability only | Liability + Collision | Full coverage |
|---|---|---|---|
| 1 one at-fault accident | $330 – $470 | $415 – $595 | $520 – $745 |
| 2 one at-fault accidents | $500 – $715 | $630 – $900 | $790 – $1130 |
| 1 non-fault accident | $190 – $270 | $240 – $345 | $300 – $430 |
| DUI conviction | $500 – $715 | $630 – $900 | $790 – $1130 |
| 1 speeding ticket | $220 – $315 | $275 – $395 | $345 – $495 |
| 2 speeding tickets | $320 – $455 | $400 – $575 | $500 – $715 |
How Does North Bay’s Average Car Insurance Cost Compare to Other Cities in Ontario?
Here is a list of the average car insurance rates in various cities in Ontario, including North Bay:
- Toronto: $2,000 – $2,500
- Ottawa: $1,200 – $1,500
- Hamilton: $1,500 – $1,800
- London: $1,300 – $1,500
- Windsor: $1,200 – $1,400
- Kitchener-Waterloo: $1,200 – $1,400
- Thunder Bay: $1,300 – $1,600
- Sudbury: $1,200 – $1,400
- North Bay: $1,200 – $1,500
Which Cars Have the Cheapest Car Insurance in North Bay?
The cost of car insurance can vary based on several factors, including the type of vehicle. Here are some cars that may have lower insurance rates in North Bay:
- Honda Civic – $1,259
- Toyota Camry – $1,244
- Ford Escape – $1,261
- Hyundai Elantra – $1,221
- Mazda3 – $1,264
- Honda Accord – $1,246
- Toyota Corolla – $1,282
- Subaru Outback – $1,211
- Kia Optima – $1,201
- Nissan Rogue – $1,220
How to Get the Cheapest Car Insurance in North Bay?
Here are some tips for getting the cheapest car insurance in North Bay:
- Shop around: Get quotes from multiple insurance companies to compare rates and coverage options. Consider working with an insurance broker who can help you find the best coverage for your needs.
- Raise your deductible: Increasing your deductible can lower your insurance premium. However, be sure to choose a deductible that you can afford in case of an accident.
- Bundle policies: If you have multiple insurance policies, such as home or life insurance, consider bundling them with the same provider to get a discount.
- Ask about discounts: Insurance companies may offer discounts for things like being a safe driver, having a clean driving record, or taking a defensive driving course.
- Drive a safe car: Some cars are considered safer and less likely to be in accidents, which can lower your insurance premium.
- Maintain a good driving record: Avoid accidents and traffic violations to keep your insurance premium low. Be sure to follow all traffic laws and drive safely.
- Consider usage-based insurance: Some insurance companies offer usage-based insurance that calculates your premium based on how much you drive. If you don’t drive much, this could be a cheaper option.
Remember to compare rates, ask about discounts, and drive safely to keep your insurance premiums low.
North Bay Car Insurance Facts
Here are some car insurance facts related to North Bay:
- The average annual car insurance premium in North Bay is around $1,301, which is slightly lower than the provincial average in Ontario.
- Insurance rates in North Bay can be impacted by the driver’s age, driving history, type of vehicle, and the coverage options selected.
- According to data from the Insurance Bureau of Canada, the cost of car insurance claims in North Bay is lower than the provincial average.
- North Bay has a lower population density compared to other cities in Ontario, which can result in lower insurance rates.
- Some insurance providers offer discounts for things like being a safe driver, having a clean driving record, or taking a defensive driving course.
- Drivers in North Bay are required to have liability insurance, which covers damages or injuries you may cause to others in an accident. Additional coverage options, such as collision and comprehensive coverage, may also be recommended.
List of Best Car Insurance Companies in North Bay
Here are some of the best car insurance companies in North Bay, along with brief descriptions and some reviews from the internet:
- Johnson Insurance: Johnson Insurance has been providing insurance coverage in Canada for over 130 years. They offer a range of insurance options, including car insurance, and have a reputation for excellent customer service. Many customers appreciate their easy claims process and competitive rates.
- Allstate Insurance: Allstate Insurance offers a range of coverage options for drivers in North Bay, including liability, collision, and comprehensive coverage. They are known for their competitive rates and discounts, and many customers appreciate their helpful and knowledgeable agents.
- Intact Insurance: Intact Insurance is one of the largest providers of car insurance in Canada. They offer a range of coverage options, including liability, collision, and comprehensive coverage, and are known for their excellent customer service. Many customers appreciate their competitive rates and the ease of their claims process.
- Aviva Canada: Aviva Canada is a leading provider of car insurance in Canada. They offer a range of coverage options, including liability, collision, and comprehensive coverage, and are known for their excellent customer service. Many customers appreciate their competitive rates and the flexibility of their policies.
- Belairdirect: Belairdirect is a well-known insurance provider in Canada. They offer a range of coverage options, including liability, collision, and comprehensive coverage, and are known for their competitive rates and excellent customer service. Many customers appreciate their easy-to-use online tools and the convenience of managing their policies online.
List of Best Car Insurance Brokers in North Bay
Here are some of the best independent car insurance brokers in North Bay, along with brief descriptions and some reviews from the internet:
- Morin Insurance: Morin Insurance is an independent insurance broker that has been serving North Bay and the surrounding area for over 100 years. They offer a range of insurance options, including car insurance, and are known for their personalized service and competitive rates. Many customers appreciate their knowledgeable staff and efficient claims process.
- K. Baird Insurance Brokerage Ltd.: K. Baird Insurance Brokerage Ltd. is a family-owned and operated business that has been serving the North Bay area for over 60 years. They offer a range of insurance options, including car insurance, and are known for their personalized service and competitive rates. Many customers appreciate their friendly and knowledgeable staff.
- McDougall Insurance & Financial: McDougall Insurance & Financial is an independent insurance broker with over 70 years of experience. They offer a range of insurance options, including car insurance, and are known for their personalized service and competitive rates. Many customers appreciate their knowledgeable staff and the ease of their claims process.
- Binks Insurance Brokers: Binks Insurance Brokers is an independent insurance broker that has been serving North Bay and the surrounding area for over 85 years. They offer a range of insurance options, including car insurance, and are known for their personalized service and competitive rates. Many customers appreciate their knowledgeable staff and the ease of their claims process.
- Sharp Insurance Brokerage: Sharp Insurance Brokerage is an independent insurance broker that has been serving North Bay and the surrounding area for over 25 years. They offer a range of insurance options, including car insurance, and are known for their personalized service and competitive rates. Many customers appreciate their friendly and knowledgeable staff.
Tips for Drivers in North Bay. Only actual North Bay
Here are some tips for drivers in North Bay:
- Watch out for wildlife: North Bay is situated in a natural setting with lots of wildlife, including deer and moose. It’s important to be alert and watch out for animals when driving, especially during dawn and dusk.
- Be cautious in winter: North Bay is known for its snowy and icy winters, which can make driving hazardous. Make sure your vehicle is equipped with winter tires, and be sure to drive slowly and cautiously during snowy or icy conditions.
- Be aware of construction zones: Construction is a common occurrence in North Bay, especially during the summer months. Be sure to pay attention to posted speed limits and traffic signs in construction zones, and be patient with delays.
- Be cautious in downtown areas: North Bay has a busy downtown core with narrow streets and heavy pedestrian traffic. Be cautious and watch out for pedestrians, especially during peak times.
- Use public transit or carpool when possible: North Bay has a good public transit system, and carpooling is a great way to reduce congestion and emissions. Consider using these options when possible to help reduce your carbon footprint.
- Keep your car locked: Car theft is a problem in North Bay, so make sure to keep your car locked and never leave valuable items visible in your car.
What are the Most Dangerous Intersections in North Bay?
According to the North Bay Police Service’s Annual Report for 2020, the following intersections had the highest number of collisions:
- Algonquin Avenue and Lakeshore Drive
- Fisher Street and Algonquin Avenue
- Lakeshore Drive and Marshall Avenue
- Trout Lake Road and Pinewood Park Drive
- Highway 11 and Lakeshore Drive
Total Reportable Collisions in North Bay, 2013 – 2021
The total reportable collisions in North Bay for the year 2021. However, according to the Annual Reports of the North Bay Police Service, here is the number of reportable collisions in North Bay from 2013 to 2020:
- 2013: 996 reportable collisions
- 2014: 999 reportable collisions
- 2015: 1035 reportable collisions
- 2016: 985 reportable collisions
- 2017: 905 reportable collisions
- 2018: 1013 reportable collisions
- 2019: 937 reportable collisions
- 2020: 880 reportable collisions
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
