Get cheap Thunder Bay car insurance.

Compare Thunder Bay car insurance rates and save more than 24%.*

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23,617 Canadians

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What our users say:

May 15
It was a very professional service
It was a very professional service. The person.was polite
Hugo Figueroa
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 10
Good experience
Good experience
May 9
They are friendly and helpt
May 9
Best customer service
Best customer service.
May 7
Very professional
Very professional, quick and prompt answers.
May 7
Customer service was 10/10
Customer service was 10/10, very informative and helpful/friendly.
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest to find the best raye for any of my insurance a...
May 2
Knowledgeable staff.
Knowledgeable staff.
paul malandrino
April 27
Very Helpful and Professional
Quick, and professional. Explained everything really well and answered all my qu...
April 26
A great agent...all my questions…
A great agent...all my questions answered I think Maria is an asset to your comp...
Ron Tombari
April 24
Great customer service
Great customer service! Ethan took the time to go over specifics with me! He was...
Margaret Lewis
April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 6
Easy and friendly process.
Easy and friendly process.
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob

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When you find the best quote, secure your Hamilton auto insurance rate by talking to a licensed broker or agent.

Car insurance in Thunder Bay, Ontario.

We've helped Thunder Bay drivers save hundreds of dollars annually on their car insurance. How? By comparing the auto insurance market for them.

We can show you quotes for a better car insurance policy from multiple insurance companies serving Thunder Bay. It's a free, no-obligation service that takes just 3 minutes to complete. Once you find a cheaper car insurance rate, we'll also connect you with the Thunder Bay car insurance provider that can secure your new rate. 

Enter your postal code, answer a few questions, and review your new quotes. It's that easy.

Mandatory auto insurance coverage in Thunder Bay Car insurance is mandatory in Thunder Bay, just as it is throughout Ontario. It's against the law to operate a vehicle without it. Fines can range from $5,000 to as much as $25,000.

The provincial government determines the types of mandatory insurance coverage and how much of it drivers need to buy. These are the coverages that a car insurance policy needs to include:

Third-party liability: Protects you if you're at fault for injuring or causing property damage to another person with your car. According to Ontario law, you need to buy at least $200,000 worth of insurance, but drivers are encouraged to purchase $ 1 million or even $ 2 million worth of coverage.

Accident benefits: Helps pay for your medical care if you were injured in a collision, regardless of whether you were at fault. It includes medical expenses for treatments not covered by Medicare, rehabilitation services, attendant care, and income replacement.

Direct compensation property damage (DCPD): This benefit will pay to repair or replace your car if you were not at fault for causing a collision. There is no deductible (though you can choose to add one in exchange for a lower premium), and your car insurance premiums won't rise in the future.

Uninsured vehicle: Protects you and your vehicle passengers if you are ever involved in an accident with an uninsured car or a hit-and-run driver. Provides compensation for loss of life and injuries, as well as compensation for property damage.

Optional auto insurance coverage in Thunder Bay.

You can enhance your coverage by purchasing more insurance than the legally required minimum. You can also purchase special products called insurance endorsements that lower your coverage in some ways in exchange for a smaller premium.

But first, these are the coverages available for purchase in Thunder Bay that will broaden your scope of protection:

Collision: Pays for your vehicle to be repaired or replaced if you're found at fault for a crash. There's a deductible, and filing a claim against this part of your policy could raise your annual premium.

Comprehensive: Pays to repair or replace your car and its contents if it's damaged by something other than a collision. For example, fire, falling objects, hail, theft, animal damage, or vandalism. Comprehensive claims don't usually affect your premiums.

All perils: This coverage blends collision and is comprehensive.

Specified perils: You can pick and choose which insurable risks covered by comprehensive coverage you want protection from. Perils like vandalism, falling objects, and animal damage are generally not included on the list of threats.

Other types of car insurance coverage.

Endorsements are another form of optional insurance coverage. However, endorsements are different from other optional products because they amend the terms of a standard auto insurance policy. You can use endorsements to increase and reduce coverage in some areas. Here are some of the most popular endorsements in Ontario.

Borrowed and rented vehicles coverage: Extends your car insurance policy for your primary vehicle to rental cars. This coverage is OPCF 27, Liability for Damage to Non-Owned Automobile(s).

Loss of use coverage: Provides reimbursement for alternative transportation if the vehicle covered by your policy is being repaired or replaced. It's added to your base policy as an endorsement, OPCF 20, Coverage for Transportation Replacement.

New vehicle replacement: By adding this endorsement, your insurance company cannot factor in depreciation when calculating a claim settlement. This only applies if an insurable peril damages your car.

Family protection coverage: Protects you and your passengers if you are injured in a collision with an underinsured driver. This endorsement provides compensation that bridges the gap between the actual costs and the other driver's policy limit. It is added to the policy as an endorsement, OPCF 44R, Family Protection Coverage.

Car insurance regulation in Thunder Bay.

Ontario has a partial no-fault insurance system. This means that drivers who are involved in an accident file claims with their insurance provider. They also receive compensation from their provider instead of having to sue a third-party insurer.

Regimes in which drivers sue each other for damages are called tort-based systems. In pure no-fault systems, drivers can't sue for damages. However, Ontario's system allows drivers to sue for things like pain and suffering and loss of income.

Factors that determine your car insurance rates in Thunder Bay.

Many factors influence insurance premiums. Insurance companies consider personal characteristics, choices, and the broader economic landscape when determining what to charge a driver. Here are some of the driver-dependent characteristics insurers consider:

As mentioned above, there are a bunch of other factors that are not tied to your characteristics or your choices. Although the latter is important, larger forces also drive the price of insurance up and down.

Car insurance rates for Thunder Bay seniors.

While folks in this age range aren't seniors, drivers between the ages of 50 and 65 pay the lowest car insurance rates, on average.

This age group has long driving and insurance histories and often has multiple insurance policies (like home and auto insurance) with the same insurer.

Seniors in their 70s and older may see their insurance rates increase as this demographic makes claims more frequent (driving gets harder as you age).

Comparing rates with different companies may yield savings if you are a senior who has had their insurance premiums increase with age.

Car insurance rates for students in Thunder Bay.

Young drivers in their teens and early twenties generally pay the most for insurance. Inexperienced drivers are more likely to need to file a claim, especially young males.

The good news is that if you get car insurance at age 16, your rates will be reduced by your mid-twenties (provided you're free of claims and driving convictions). By your thirties, your rates will be much more affordable.

To take control of your car insurance premiums, the most important thing you can do is to remain accident and conviction free. Taking a driver's education course and showing proof to your provider will also help. Ask your provider if the school you're considering qualifies and what proof you will need to provide.

Some insurance providers also offer discounts to good students. Ask your provider if they offer such a discount and how to qualify for it.

Car insurance for new immigrants in Thunder Bay.

If you've recently immigrated to Thunder Bay from another country and want to drive, you will need an Ontario driver's license and car insurance.

The Ontario government recognizes licenses from certain countries as equivalent to an Ontario license. They are Australia, Austria, Belgium, France, Germany, Great Britain, the Isle of Man, Japan, South Korea, New Zealand, Northern Ireland, the Republic of Ireland, Switzerland, Taiwan, United States.

The deadline to trade in a license from another country for an Ontario one is 60 days from your date of arrival in Ontario.

If you moved to Ontario from a country besides those listed above, you would need to follow the steps of Ontario's three-stage graduated licensing system to obtain your driver's license. However, depending on your years of driving experience, you may not need to start at the very beginning of the process.

You can also request your previous car insurance provider to give a reference to your new Ontario insurance company. Sharing information about your favourable insurance and driving history can help lower your rate.

Car insurance for high-risk drivers in Thunder Bay.

High-risk drivers pay the highest insurance premiums of any demographic.

Multiple convictions for driving offences, being caught without insurance, failing to pay your insurance premiums, and having your insurance cancelled are all red flags for insurers. If any of these apply to you, your insurance company will likely rate you as a high-risk driver. It shouldn't be a surprise – your premiums probably reflect this fact.

Ontario has an all-comers rule that limits insurance companies' ability to deny driver coverage (unless they've been banned from driving). However, most mainstream providers will offer insurance coverage at a premium.

Your best bet will be getting insurance from a company specializing in high-risk car insurance. compares the best high-risk car insurance providers in Ontario to obtain the coverage you need at the best rate.

Front view of a car. Illustration.

See how our customers in Thunder Bay save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from May 23, 2024
Male, 30 years old
thunder bay
2018 AUDI Q5 4DR AWD
Lowest Rate
Average Rate
Quote from May 23, 2024
Male, 33 years old
thunder bay
Lowest Rate
Average Rate
Quote from May 21, 2024
Male, 38 years old
thunder bay
Lowest Rate
Average Rate

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

How to get the cheapest car insurance in Thunder Bay.

If you want to get cheap car insurance that meets your coverage needs, there are a few things you can do to find the best price. (In fact, you’re already heading in the right direction by reading up on your options and comparing rates with

Here are the best ways to lower your auto insurance premiums:

Shop the market

We'll show you the most competitive rates from all the leading insurance providers. Now you can compare quotes in one convenient online location. (Just use our online quote tool above to get started.)

Right-size your coverage

Read up on insurance and ask questions when you speak to a broker so you purchase the right policy for your coverage needs. Avoiding frills and extras will save you money. As your car ages and its value drops, you might consider dropping collision protection to save on your premiums.

Drive responsibly

A cleaner driving record earns you a lower insurance premium, along with protecting you and others using the roads.

Pay on time

Insurance providers appreciate timely premium payments, so be sure to pay on time to keep the lowest rate on your policy.

Bundle up

Insurance providers reward customers who purchase multiple coverage types, like home and auto insurance. Consider “bundling” products with the same provider to lower your rate.

Be safe, not sorry

Safety and security features like winter tires, alarm systems and other anti-theft devices can help reduce your insurance costs. Ask your provider for specific requirements for adding equipment to earn a discount. If your vehicle already has special safety and security features, be sure to inform your provider.

Show loyalty to one provider

Most auto insurance companies reward long-time customer loyalty with special discounts.

Take a course

Investing in a defensive driving course can make you a better driver and earn you a lower rate on your car insurance premiums. Check with your provider about courses that qualify.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive and park your vehicle affects your premium price. Some areas have higher rates of auto accidents, theft and vandalism. Private, secure parking can reduce your insurance rate.

Choose your vehicle wisely

Cars with high safety ratings, low rates of theft, and less powerful engines tend to have lower insurance rates.

Track your driving

Turn your low-risk driving habits into lower premiums with a usage-based insurance policy. You install equipment in your vehicle that shows your insurance provider how often and how well you drive, and in exchange, your provider may be able offer you lower-cost insurance.

Pay annually

Insurance providers may offer a discount if you pay your annual premium all at once, rather than on a monthly basis.

Focus on

Statistics for insured Thunder Bay drivers.

Most popular cars in Thunder Bay.

Here's a snapshot of the kind of cars Thunder Bay auto insurance shoppers are driving, based on the thousands of car insurance quotes completed on

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Mazda
  5. BMW

Who shops for auto insurance in Thunder Bay?

Here’s the percentage of users from Thunder Bay drivers with accidents and traffic convictions on their insurance records.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Frequently asked questions about car insurance in Thunder Bay.


How much is car insurance in Thunder Bay?

According to the most recent figures from the Insurance Bureau of Canada, the average premium in Ontario is $1,655. However, your insurance premium in Thunder Bay could differ from the provincial average.

We recommend comparing quotes to estimate how much you will pay as a driver in Thunder Bay.

Insurance premiums are based on several factors that, yes, include location. But factors like your car, daily mileage, insurance and driving histories will heavily influence the final price.

Applying for a quote is more reliable than looking at the city and provincial averages.

What companies offer auto insurance in Thunder Bay?

Ontario has a very competitive market for car insurance, with the most selection of all the provinces. The benefits of this extend to Thunder Bay drivers. compares 50+ insurance providers, and we're continually adding new providers to our online marketplace to ensure our site reflects the Ontario auto insurance market.

Providers we've worked with include:

Learn more about insurance companies providing coverage in Canada.

Which company has the best car insurance in Thunder Bay?

The answer will be different for everyone. Insurance companies all take slightly different approaches to risk; some are more willing to take on more risk, and some are more risk-averse.

The telltale sign that an insurance company wants your business is whether they offer you a competitive rate.

How do you know if you're being offered a good price? By shopping around.

Compare 50+ insurance providers on to see which insurance company is the right fit for you.

Where do I get the cheapest car insurance quotes in Thunder Bay?

No car insurance company in Thunder Bay offers flat-rate insurance policies.

The best way to find out which company can offer you the insurance coverage you need at the lowest price is to compare quotes from multiple providers.

You may be surprised at the cheaper rates you find when you compare the market.

Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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*Represents the average saved by shoppers who obtained a Thunder Bay 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