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:
| City | Average 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:
- 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.
- 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.
- 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.
- 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.
- 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 Type | Average Cost Per Year | Average 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
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 Driver | Average Cost Per Year | Average Cost Per Month |
|---|---|---|
| New Driver | $5,000 – $10,000 | $416 – $833 |
Experienced Driver
| Type of Driver | Average Cost Per Year | Average 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 |
| Usage-Based | Varies | Varies |
| Uber | Varies | Varies |
Average car insurance cost per year and per month for different types of cars in North Bay
Here’s an estimated average car insurance cost per year and per month for different types of cars in North Bay, Ontario:
| Type of Car | Average Cost Per Year | Average 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 History | Average Cost Per Year | Average Cost Per Month |
|---|---|---|
| Clean Driving Record | $1,400 – $1,800 | $116 – $150 |
Driving History with Incidents
| Driving History | Average Cost Per Year | Average 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?
Here are some companies and brokers that offer car insurance quotes in North Bay, Ontario:
- Allstate Insurance
- Belairdirect
- BrokerLink
- Cowan Insurance Group
- CAA Insurance
- Desjardins Insurance
- The Co-operators
- Intact Insurance
- Johnson Insurance
- McDougall Insurance & Financial
- Mitchell & Whale Insurance Brokers
- Morison Insurance
- Onlia Insurance
- OTIP Insurance
- PC Insurance
- RBC Insurance
- Sonnet Insurance
- Surex Insurance
- TD Insurance
- Wayfarer Insurance Group
About the Author: Robert Davis
