Cheap North Bay Car Insurance Quotes


North Bay drivers save $484* on average by comparing car insurance quotes on

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How does North Bay auto insurance work

North Bay, Ontario bills itself as the Gateway of the North. With a population of more than 52,000 on the banks of Lake Nippising, the small Ontario town has been known for mining to aerospace.

Because North Bay is in Ontario, drivers there are required to have car insurance which must include third-party liability, statutory accident benefits, DCPD, and uninsured automobile insurance. North Bay residents can also buy optional car insurance beyond the standard required coverage.

Also, like the rest of the province, North Bay drivers will fall under the no-fault insurance scheme set up by Ontario which allows drivers to deal with their own insurance provider in the event of an accident.

  1. There is no public insurance provider in Ontario and as a result, North Bay residents must buy private auto insurance for their vehicles.

How to get the cheapest North Bay car insurance quotes

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Mandatory & optional car insurance coverage in North Bay

Insurance typeMandatory coverageOptional/ Additional Coverage
Third-Party Liability$200,000 minimum. Provides coverage in the event of a lawsuit resulting from an accident where you are at fault.Coverage can be increased to $500,000, $1 million, or $2 million, with up to $2 million limit.
Uninsured Automobile InsuranceProvides up to $200,000 in coverage if you are injured or killed by an uninsured driver, or if your vehicle is damaged as a result of a hit-and-run by an unidentified, uninsured motorist.Family Protection Coverage is an optional coverage that includes additional coverage of up to $1 million in the case of a hit-and-run by an uninsured motorist.
Statutory Accident BenefitsProvides coverage if you are injured in an accident, regardless of who is at fault. Covers medical expenses that aren’t covered by OHIP.Coverage limits can be increased.
Direct Compensation-Property Damage (DC-PD)OptionalDCPD is included in all standard insurance policies, but Ontario drivers can apply to remove it. DCPD pays to repair or replace your car if you're in a collision where the other driver is at fault. You lose this coverage by removing DCPD, as well as your ability to sue the other driver for repairs. 
Collision Coverage (Also Upset Coverage)OptionalCovers the costs of repairing or replacing your vehicle following a collision with another vehicle, an object, or property.
Comprehensive coverageOptionalCovers damages caused by named perils identified under the Specified Perils coverage, as well as losses from other perils like falling or flying objects, theft, fire, hail, windstorms, missiles, and vandalism.
Specified Perils CoverageOptionalCovers damages caused by named perils such as theft, attempted theft, explosions, natural disasters like fire, lightning, windstorm, hail, rising water, earthquakes, and other perils specified in your policy. Specified perils do not cover damages due to vandalism, breakage of glass, etc.
All-Perils CoverageOptionalCombines collision/upset and comprehensive coverage. Also, provides additional protection if a household member or an employee steals your vehicle.
OPCF 20: Coverage for Transportation ReplacementOptionalCovers the cost of your transportation replacement and rental car insurance if you were to get into a car accident or if your vehicle is stolen.
OPCF 27: Liability for Damage to Non-Owned Automobile(s)OptionalCovers if you damage a borrowed or rental vehicle. The coverage limit is usually around $25,000 to $50,000.
OPCF 39: Accident Waiver/ForgivenessOptionalProtect your premium from rising when you have your first at-fault accident.
OPCF 16: Suspension of coverageOptionalThis allows you to suspend your insurance coverage for 30 days or more during periods when you aren't using the car.
OPCF 43: Waiver of depreciationOptionalEnsures your insurance company won't factor in depreciation when settling a claim; you will receive the amount you initially paid for the car.
OPCF 44R: Family protection coverageOptionalEnsures your costs are covered if you and your family are involved in an accident with a driver with less liability insurance than you. This endorsement will cover the remainder.
OPCF 13C: Limited glassOptionalFor a lower premium, you can limit or exclude any coverage for glass damage that might've been in your policy.
OPCF 40: Fire and theft deductibleOptionalAdds a deductible (an amount you must pay before your insurance company chips in funds) for a theft or fire damage claim.

Recent annual car insurance savings unlocked by real North Bay drivers

Here are some recent examples of savings found by real North Bay drivers using

Savings: $58

Vehicle: 2021 Toyota Corolla 4Dr hatchback

Driver details: 20 years, Female

Best Premium: $1,393

Second-best Premium: $1,451

Savings: $217

Vehicle: 2022 Subaru WRX Sport Tech 4 DR AWD

Driver details: 18 years, Male

Best Premium: $2,287

Second-best Premium: $2,504

Savings: $158

Vehicle: 2022 Tesla Model 3 long range 75D 4DR AWD

Driver details: 42 years, Male

Best Premium: $813

Second-best Premium: $971

Savings: $76

Vehicle: 2021 Honda Civic

Driver details: 28, male

Best Premium: $1,024

Second-best Premium: $1,100

Savings: $47

Vehicle: 2022 Nissan Kicks S 4DR 2WD

Driver details: 30 years, Male

Best Premium: $746

Second-best Premium: $793

Savings: $55

Vehicle: 2022 Ford F150 King Ranch Hybrid Supercrew 4WD

Driver details: 40 years, male

Best Premium: $562

Second-best Premium: $617

How much does car insurance in North Bay cost?

The average North Bay car insurance premium for 2021 stood at $1,351 per year. This is a 9.5% increase over the previous year’s premium of $1,234.

According to the RATESDOTCA Insuramap data, the Ontario average for car insurance in 2021 was $1,555, which is just more than $200 per year from what drivers in North Bay are paying.

North Bay is a relatively small town in a more remote part of the province. Crime rates are lower, congestion and traffic are minimal, and drivers there have fewer big city issues to deal with. This is reflected in the lower North Bay car insurance premium than is seen at the provincial level.

Factors that influence your North Bay auto insurance premium


Most insurance providers use age as one of their risk assessments when determining North Bay auto insurance. Younger, less experienced drivers will naturally pay more in premiums than older more experienced drivers with a clean record.

The vehicle you drive

Not all vehicles are alike. Some vehicles attract the attention of thieves or require higher maintenance or replacement costs. Other cars have safety features, are more reliable and pose fewer risks to you and your insurance provider. Talk to them about which vehicles may assist you in keeping costs low.

Where you live

Despite being a smaller town, North Bay will naturally have more and less congested areas. Also, there may be areas that are safer and have greater security and others. All of these issues can alter the risk assessments needed to determine your North Bay auto insurance quotes.

Your driving record

It stems to reason that a driver with a safe driving record is considered a lower risk to North Bay auto insurance providers than a driver with a record of infractions and claims. Talk to your insurance provider about your driving history and how it can affect premiums.

Your insurance history

A history of claims may indicate to North Bay car insurance companies that you are a high risk and likely to continue to make claims over time. Drivers with few to no claims are considered less risky and will likely be able to receive lower North Bay car insurance premiums.

If you’re bundling with other insurance products, such as home insurance

Insurance companies are interested in having you as a client for all of their products and services. As a result, bundling other services with them, such as home and life insurance, may result in a discount on all services.

Gender and marital status

Risk factors are always on the minds of North Bay car insurance providers. This is unfortunate for young, single males who are considered the highest risk drivers and will pay the highest premiums.

Married people are considered lower risk as their responsibilities and behaviour might be greater, and ultimately lead to safer drivers.

The coverage options you choose to include in your policy

In North Bay, drivers are required to have a minimum level of auto insurance. Drivers seeking increased or optional coverage can expect to pay higher rates as the North Bay insurance provider takes on more risk.

Your policy's deductibles

Deductibles can save money in the short-term but cost more later. If you choose a low deductible, meaning benefits kick in with less out-of-pocket expenses, your North Bay auto insurance provider may require higher premiums. However, if you choose a higher deductible, meaning you pay more for out-of-pocket expenses prior to the insurance company’s benefits, your North Bay car insurance company may offer lower premiums due to the reduced risk factor.

The company’s own insurance claims history

North Bay car insurance companies require capital reserves in case or when they must pay out benefits to clients. Having more claims means they need more money, which may be passed on to customers paying premiums. Fewer claims would mean they have more capital on hand and may be able to keep rates to a minimum.

What can I do to get cheaper car insurance in North Bay?

North Bay residents have options when it comes to getting cheaper car insurance. Here are some tips to get you started:

Shop around

Comparison shopping on sites like will give you up-to-date insurance quotes from the top North Bay car insurance companies. In no time you’ll have a list and options to speak with a broker about the best insurance rate to suit your needs.

Increase deductibles

Increasing your deductible allows your North Bay car insurance provider to assume less risk and ultimately provide cheaper insurance rates. A lower deductible means less out-of-pocket expenses for you but higher premiums from your provider.

Lump sum payment

North Bay auto insurance companies will offer discounts for drivers who pay up front rather than in monthly installments. This allows insurance companies to collect the cash reserves they need in a timelier manner.

Bundle all policies

Most North Bay car insurance providers will offer discounts to customers who bundle more than one service with them. The more business you provide them with, the greater the savings on your premiums.

Insure all vehicles

You can save 10% to 20% when you insure all your vehicles with one provider. It’s a similar discount offering to bundling of services.

Change tires seasonally

Canadian weather demands our respect. Changing to winter tires increases safety, and reduces risk of collision, something North Bay car insurance companies will likely reward with a discount of about 5%.

Compare annually

Comparing your insurance policy allows you to double-check if you can reduce or change coverage and save money. You can also save money on termination fees by renewing versus terminating your policy and then starting over. You may find better offers out there on sites like

Use a telematics device

Telematics devices allow North Bay car insurance companies to monitor your driving habits and behaviour. Safe, more cautious drivers can receive a discount by installing the devince and maintaining a clean record.

Ask about discounts

There are discounts beyond winter tires and telematics. Ask your North Bay auto insurance provider about other ways to save money such as being a member of an association, alumni or claims-free savings.

Driver’s education

Your parents told you to stay in school. There’s a reason for that. Driver education can help you improve your driving skills, and reduce risk over time. This is looked favourably by North Bay car insurance providers.

Compare quotes and save on North Bay auto insurance

You know that feeling when you find out youre getting a really good deal? Maybe its bold for us to say, but, we think youll be feeling it in about five to 10 minutes. How can we be so sure?

Get a quote that will help you save hundreds of dollars on insurance annually.

*Represents the average saved by North Bay, Ontario, shoppers who obtained an auto insurance quote on and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by

Frequently asked questions about North Bay auto insurance

Have more questions about auto insurance in North Bay. Find all the answers here.

How can I find the cheapest North Bay car insurance?

Finding the cheapest North Bay car insurance starts with comparison shopping. Check out sites like to see current and up-to-date quotes from the top providers in the area.

You can also talk to your broker or agent about the cheapest rates and who is offering discounts for even more savings.

Who has the best auto insurance in North Bay?

Auto insurance is specific to each driver. A casual driver will need less coverage than an every-day commuter. Look at to see who offers the best insurace to meet your needs, at the best rates. Also, talk to a broker or agent for more information on your specific needs.

Can I get car insurance in North Bay as a newcomer?

All drivers in Canada require mandatory auto insurance. And while driving historys from other countries may be accepted, you may also need to show some proof of that history.

It’s best to look up quotes on and talk to an agent or broker who can advise you on your best options.

You may also want to consider tacking on your insurance onto another more experienced driver, if possible.