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Thunder Bay is a city in Ontario, Canada, located on the northwestern shore of Lake Superior. With a population of over 107,000 people, it is the largest city in Northwestern Ontario.

Thunder Bay is known for its natural beauty and outdoor recreational opportunities, including hiking, fishing, and skiing. The city also has a rich history and cultural heritage, with several museums, galleries, and festivals celebrating the region’s First Nations and European roots.

In terms of car insurance, rates in Thunder Bay may vary depending on factors such as driving record, age, and make and model of the car. It’s always a good idea to shop around for car insurance quotes to find the best coverage and rates for your specific needs.

Is car insurance cheaper in Thunder Bay versus Toronto?

Here’s an example comparison of car insurance rates in Thunder Bay versus Toronto:

Assuming a male driver, age 30, driving a 2018 Honda Civic LX:

CityAnnual CostMonthly Cost
Thunder Bay$1,400$117
Toronto$1,800$150

Calculating and comparing Thunder Bay car insurance quotes

money and car

Calculating and comparing car insurance quotes in Thunder Bay is a good way to find the best insurance coverage for your specific needs. Here are some steps to help you get started:

  1. Gather information: Before you start shopping around for car insurance quotes, make sure you have all the relevant information, such as your driver’s license, vehicle make and model, and driving history.
  2. Research insurance providers: Look up insurance providers that offer coverage in Thunder Bay and check their ratings and reviews to get an idea of their reputation and customer satisfaction.
  3. Request quotes: Once you’ve narrowed down your list of potential insurance providers, request quotes from each of them. Most insurance providers will offer online quotes or have a phone number you can call to request a quote.
  4. Compare quotes: Once you have received quotes from different providers, compare them side by side to see which one offers the best coverage and rates for your specific needs.
  5. Consider discounts: Many insurance providers offer discounts for things like safe driving, multiple vehicles, and bundling home and auto insurance. Be sure to ask about any discounts that may be available to you.
  6. Make a decision: Once you’ve compared quotes and considered any discounts, choose the insurance provider that offers the best coverage and rates for your specific needs.

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

According to recent reports, the average cost of car insurance in Thunder Bay ranges from $100 to $250 per month or $1,200 to $3,000 per year.

Here’s a table outlining average car insurance costs in Thunder Bay for different driver profiles and car types:

Driver Profile / Car TypeAnnual CostMonthly Cost
Male, age 25, single, no accidents  Sedan (2018 Honda Civic LX)$1,600 – $2,000$133 – $167
Female, age 35, married, no accidents  SUV (2019 Toyota RAV4)$1,300 – $1,700$108 – $142
Male, age 50, married, no accidents  Wagon (2017 Subaru Outback)$1,600 – $2,000$133 – $167
Male, age 20, single, one accident  Coupe (2016 Ford Mustang)$2,800 – $3,500$233 – $292
Female, age 45, married, one speeding ticket Minivan (2020 Dodge Grand Caravan)$1,800 – $2,500$150 – $208
Male, age 30, married, one DUI conviction  Truck (2015 Ford F-150)$4,500 – $9,000+$375 – $750+

Average car insurance costs for different driver profiles in Thunder Bay

Here’s a table of average car insurance costs for different driver profiles in Thunder Bay, both per year and per month:

Driver ProfilePer Year CostPer Month Cost
New Driver$3,500-$5,000$290-$415
Secondary Driver$1,500-$2,500$125-$210
G1 Driver$3,000-$4,000$250-$330
G2 Driver$2,500-$3,500$210-$290
Full G Driver$1,000-$2,000$85-$170
Teenage Driver$5,000-$7,000$415-$580
Young Driver$2,500-$4,000$210-$330
High-risk Driver$8,000-$12,000$670-$1000
17 Years Old$5,000-$7,000$415-$580
Seniors$1,000-$2,000$85-$170
Over 55 Years Old$1,000-$1,500$85-$125
Students$2,000-$3,000$170-$250
International Driver$4,000-$6,000$330-$500
Newcomers$4,000-$6,000$330-$500
Men Driver$2,500-$4,500$210-$375
Women Driver$2,000-$4,000$170-$330
Married Couples$1,500-$2,500$125-$210
Usage-Based$1,500-$3,500$125-$290
Uber Driver$5,000-$7,000$415-$580

Average car insurance costs in Thunder Bay for different types of cars

car insurance

Here’s a table of average car insurance costs in Thunder Bay for different types of cars, both per year and per month:

Car TypePer Year CostPer Month Cost
Sedan$1,500-$2,500$125-$210
Convertible$2,500-$4,000$210-$330
Hatchback$1,500-$2,500$125-$210
Wagon$1,500-$2,500$125-$210
Coupe$2,000-$3,500$170-$290
SUV$2,000-$4,000$170-$330
Truck$1,500-$3,000$125-$250
Minivans$2,000-$3,500$170-$290
Van$2,500-$3,500$210-$290
Electric Car$2,500-$4,000$210-$330
Hybrid Car$2,000-$3,500$170-$290
Multi Car$1,000-$2,000$85-$170
Exotic Car$10,000-$15,000$835-$1250
Sports Car$3,500-$6,000$290-$500
Leased cars$2,000-$4,000$170-$330
2 Door$2,000-$3,500$170-$290

Average car insurance costs in Thunder Bay based on driving history

Here’s a table of average car insurance costs in Thunder Bay based on driving history, both per year and per month:

Driving HistoryPer Year CostPer Month Cost
Clean driving record$1,500-$2,500$125-$210
1 one at-fault accident$2,500-$4,000$210-$330
1 non-fault accident$1,800-$2,800$150-$235
DUI conviction$6,000-$10,000$500-$830
1 Speeding Ticket$1,800-$2,800$150-$235

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

Fault in Car Accidents

Here are 20 companies and brokers that offer car insurance quotes in Thunder Bay:

  1. Allstate Insurance
  2. Aviva Canada
  3. BrokerLink
  4. CAA Insurance
  5. Desjardins Insurance
  6. DirectProtect
  7. Economical Insurance
  8. Gore Mutual Insurance
  9. Intact Insurance
  10. Johnson Insurance
  11. Merit Insurance
  12. Mitchell & Whale Insurance Brokers
  13. Morison Insurance
  14. PC Insurance
  15. RBC Insurance
  16. Square One Insurance
  17. State Farm Insurance
  18. Surex Insurance
  19. The Co-operators
  20. Wawanesa Insurance

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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