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North Bay is a city in northeastern Ontario, Canada. It is located approximately 330 km north of Toronto and 425 km northwest of Ottawa. The city is situated on the shore of Lake Nipissing and is surrounded by picturesque forests, lakes, and rivers. North Bay is known for its natural beauty, outdoor recreational activities, and cultural attractions.

Is car insurance cheaper in North Bay versus Toronto?

Car insurance rates in North Bay, Ontario, are generally lower than in Toronto, Ontario. This is because North Bay is a smaller city with less traffic congestion and a lower population density, which can result in fewer accidents and lower insurance premiums.

Here is an example of the average car insurance cost per year for a 35-year-old female driver with a clean driving record in North Bay versus Toronto:

CityAverage Cost Per Year
North Bay$1,400 – $1,800
Toronto$1,800 – $2,200

Calculating and comparing North Bay car insurance quotes

To calculate and compare car insurance quotes in North Bay, Ontario, you can follow these steps:

  1. Determine your coverage needs: Before you can compare car insurance quotes, you need to know what type of coverage you need. In Ontario, you are required to have at least $200,000 in third-party liability insurance, but you may want to consider additional coverage such as collision, comprehensive, and accident benefits coverage.
  2. Gather information: To get accurate car insurance quotes, you’ll need to provide some information about yourself and your vehicle. This may include your driving history, age, type of vehicle, usage, and other relevant information.
  3. Shop around: Get quotes from multiple insurance providers to compare prices and coverage options. You can contact insurance companies directly or use online comparison tools to get quotes from multiple providers.
  4. Review the quotes: Once you have received multiple quotes, review them carefully to compare the coverage and prices. Look for any differences in coverage, exclusions, deductibles, and limits.
  5. Choose the best option: After you have reviewed and compared the quotes, choose the option that best meets your needs and budget. Keep in mind that the cheapest option may not always be the best, so be sure to consider factors such as customer service, reputation, and claims process.

What’s the average cost of car insurance in North Bay per month and per year?

Here’s an example of the average car insurance cost per year and per month for a 35-year-old female driver with a clean driving record in North Bay:

Coverage TypeAverage Cost Per YearAverage Cost Per Month
Minimum Coverage$1,200 – $1,500$100 – $125
Standard Coverage$1,400 – $1,800$116 – $150
Full Coverage$1,800 – $2,200$150 – $183

Average car insurance cost per year and per month for different driver profiles in North Bay

Comprehensive insurance renewal

Here’s an estimated average car insurance cost per year and per month for different driver profiles in North Bay, Ontario:

New Driver

Type of DriverAverage Cost Per YearAverage Cost Per Month
New Driver$5,000 – $10,000$416 – $833

Experienced Driver

Type of DriverAverage Cost Per YearAverage Cost Per Month
Secondary Driver$1,200 – $1,500$100 – $125
G1 Driver$3,500 – $4,500$292 – $375
G2 Driver$2,500 – $3,500$208 – $292
Full G$1,400 – $1,800$116 – $150
Teenage Driver$4,500 – $9,000$375 – $750
Young Driver$3,500 – $7,000$292 – $583
High-risk Driver$5,000 – $10,000$416 – $833
17 Years Old$4,500 – $9,000$375 – $750
Seniors$1,200 – $1,800$100 – $150
Over 55 Years Old$1,200 – $1,500$100 – $125
Students$2,500 – $4,000$208 – $333
International Driver$2,000 – $4,000$166 – $333
Newcomers$2,500 – $5,000$208 – $416
Men Driver$1,500 – $3,000$125 – $250
Women Driver$1,400 – $2,800$116 – $233
Married Couples$1,200 – $1,800$100 – $150
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Average car insurance cost per year and per month for different types of cars in North Bay

Pleasure Vehicle

Here’s an estimated average car insurance cost per year and per month for different types of cars in North Bay, Ontario:

Type of CarAverage Cost Per YearAverage Cost Per Month
Sedan$1,400 – $1,800$116 – $150
Convertible$1,600 – $2,000$133 – $166
Hatchback$1,200 – $1,500$100 – $125
Wagon$1,200 – $1,500$100 – $125
Coupe$1,600 – $2,000$133 – $166
SUV$1,500 – $1,900$125 – $158
Truck$1,500 – $1,900$125 – $158
Minivans$1,500 – $1,900$125 – $158
Van$1,500 – $1,900$125 – $158
Electric Car$2,000 – $2,400$166 – $200
Hybrid Car$1,800 – $2,200$150 – $183
Multi Car$1,800 – $2,200$150 – $183
Exotic Car$5,000 – $7,000$416 – $583
Sports Car$2,000 – $2,400$166 – $200
Leased cars$1,800 – $2,200$150 – $183
2 Door$1,600 – $2,000$133 – $166

Average car insurance cost based on different driving history profiles in North Bay

Here’s an estimated average car insurance cost per year and per month based on different driving history profiles in North Bay, Ontario:

Clean Driving Record

Driving HistoryAverage Cost Per YearAverage Cost Per Month
Clean Driving Record$1,400 – $1,800$116 – $150

Driving History with Incidents

Driving HistoryAverage Cost Per YearAverage Cost Per Month
1 at-fault accident$1,800 – $2,400$150 – $200
1 non-fault accident$1,400 – $1,800$116 – $150
DUI conviction$3,000 – $5,000$250 – $416
1 Speeding Ticket$1,800 – $2,200$150 – $183

Which companies and brokers offer car insurance quotes in North Bay?

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Here are some companies and brokers that offer car insurance quotes in North Bay, Ontario:

  1. Allstate Insurance
  2. Belairdirect
  3. BrokerLink
  4. Cowan Insurance Group
  5. CAA Insurance
  6. Desjardins Insurance
  7. The Co-operators
  8. Intact Insurance
  9. Johnson Insurance
  10. McDougall Insurance & Financial
  11. Mitchell & Whale Insurance Brokers
  12. Morison Insurance
  13. Onlia Insurance
  14. OTIP Insurance
  15. PC Insurance
  16. RBC Insurance
  17. Sonnet Insurance
  18. Surex Insurance
  19. TD Insurance
  20. Wayfarer Insurance Group

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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