See car insurance rates in Thunder Bay, Ontario.

See car insurance rates in Thunder Bay, Ontario.

Fast facts about auto insurance in Thunder Bay

Average annual car insurance rate

Regular drivers in the city

Collisions per year (approximately)

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Collision rate for the city

Average age

Average household income

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Unemployment rate

Population

Understanding car insurance in Thunder Bay, Ontario

Sitting halfway between Sudbury and Winnipeg, Thunder Bay is one of the major cities in northern Ontario. Despite harsh winters and a lot of open road, residents here actually have great car insurance rates on average.

Despite the open roads and great highway access, residents of Thunder Bay don’t have to spend all that much time driving. This seriously lowers everyone’s exposure to risk on the road. Winter tires should still be a priority due to harsh winters, though.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Get your bundle on & save!

Want even cheaper insurance? Save up to 50% on home and up to 18% on car insurance when you bundle them.

Busting myths about driving and insurance in Thunder Bay

Myth: Thunder Bay’s jobs are far away, forcing you to commute.

False.  The vast majority of Thunder Bay’s workforce has a local commute within the city’s boundaries. Specifically, about 85% of the city’s workforce works locally (according to Statistics Canada). There’s an overwhelming chance that you won’t have to drive very far.

45.3% of the workforce commutes for 15 minutes or less.

Myth: Thunder Bay isn’t a safe place to live.

Thunder Bay does have a higher crime severity index than most of Ontario, but there are 67 more dangerous cities in Canada as of 2019. Thunder Bay’s index of 88 is eclipsed by North Battleford (372), Red Deer (222), and even Regina (117).

With that said, the city does have the highest rate of homicides per 100,000 people across Canada.

Myth: Thunder Bay is an overwhelmingly industrial city.

False. In fact, Thunder Bay is home to over 100 parks inside of the city, never mind all of the natural trails you can hike outside of the city.

It’s not true about the job market, either. Healthcare is the largest employment sector by far, followed by retail, education, public administration, and food services.

Myth: Thunder Bay is out of the way, making highway access difficult.

Not true. Highway 17 runs north-south along the city’s western edge, becoming Highway 61 south of its intersection with Highway 11 (the Harbour Expressway).

Thunder Bay is a decent distance from the nearest major population centres, but that makes it a crucial stop along Ontario’s supply line through northern Ontario. 

How Thunder Bay’s rates compare to other cities in Ontario

  • North York: $4,261
  • Etobicoke: $4,199
  • Brampton: $4,071
  • Scarborough: $3,825
  • Woodbridge: $3,603
  • Richmond Hill: $3,579
  • Mississauga: $3,474
  • Markham: $3,389
  • Hamilton: $3,201
  • Ajax: $3,053
  • York: $2,999
  • Toronto: $2,983
  • Barrie: $2,924
  • London: $2,765
  • Oakville: $2,720
  • Kitchener: $2,705
  • Windsor: $2,536
  • Burlington: $2,476
  • Ottawa: $2,195
  • Thunder Bay: $1,974

Quick tips on insurance and driving in Thunder Bay

Thunder Bay gets nasty winters. Invest in winter tires, because they work.

Thunder Bay gets the worst of both worlds when it comes to winter. 

The science is in. Winter tires work better than summer or all-season tires under 7 degrees celsius. They get more traction, they don’t harden up like regular tires, and they allow you to brake faster and more safely.

The best part? Ontario’s insurance companies give you an insurance discount for using them.

Avoid Thunder Bay’s most dangerous intersections to protect yourself.

Dangerous intersections increase your odds of being in a collision. Collisions hurt you as much as they hurt your auto rates, so avoid the worst ones whenever you can. Here’s the list:

  • Balmoral Street and Harbour Expressway
  • Golf Links Road and Harbour Expressway
  • Arthur Street and James Street South
  • Harbour Expresway and Memorial Avenue

Avoid neighbourhoods with high rates of claims and reported crimes.

Car insurance rates are affected by where you live. The statistical odds of a claim being made over property damage or car theft differs everywhere, so living in these neighbourhoods could help reduce rates:

  • Communities south of Arthur Street and north of Mary Street
  • South of Arthur Street East and east of Edward Street South
  • Neigbbourhoods surrounding Chapples Municipal Golf Course.
  • Neighbourhoods north of River Street, and even some south of it.

Just 3 measly minutes to your marvelous rate.

Racking up the likes, baby!

"Best insurance by far."


Christina L.

"I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!"


Kathleen G.

"I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!"


Petra B.

"Excellent service and cheapest price I have ever got."


Ratheesh T.

"Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!"


Van J.

"Great service, patient and informative representatives, full marks."


Viraj M.

"Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance."


Mark R.

"I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really."


Gavin M.

"Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends."


Alexander A.

"I 100% recommend aha. Hands down one of the best companies i've trusted."


Aditya P.

"Great deal, cheapest insurance i got. Highly recommend. Thank you."


Christine L.

"Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!"


Alaina H.

"Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes."


Nicole M.

"Affordable and easy car insurance with great customer service. Would recommend to anyone."


Tausif F.

Sources for fast facts about Thunder Bay:

  • Statistics Canada, Thunder Bay 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • TB News Watch, “Thunder Bay’s most dangerous intersections in 2017”
  • CBC News, “Thunder Bay, Ont. once again homicide capital of Canada”
  • Thunder Bay Police Community Crime Map
  • Maclean’s, “Canada’s Most Dangerous Places 2019”
  • Thunderbay.ca, “City Parks”
  • CBC News, “Beware slippery winter driving: Thunder Bay police”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

Racking up the likes, baby!

Just 3 measly minutes to your marvelous rate.

"Best insurance by far."


Christina L.

"I highly recommend this insurance company and if all their employees are like Andrea, their customer service is excellent!!"


Kathleen G.

"I am so happy to find company like this to insure my first car... Amazingly quick customers service and great prices. 100% suggest them!!!"


Petra B.

"Excellent service and cheapest price I have ever got."


Ratheesh T.

"Excellent!… progressive!… no more pen, and paper… ALL ONLINE!!"


Van J.

"Great service, patient and informative representatives, full marks."


Viraj M.

"Easy and can be done at your own convenience, anytime. Response to my questions was great. Best way to get insurance."


Mark R.

"I completed my car insurance quote in just a few minutes - and then I could buy it right then and there. No talking to a broker. No fuss. No muss. Pretty cool really."


Gavin M.

"Had a great experience calling aha for the first time and will definitely be recommending it to all of my friends."


Alexander A.

"I 100% recommend aha. Hands down one of the best companies i've trusted."


Aditya P.

"Great deal, cheapest insurance i got. Highly recommend. Thank you."


Christine L.

"Great service, quick easy and affordable too. The associates who helped me were both very nice and polite too. Really enjoyed my experience thank you!"


Alaina H.

"Had the smoothest insurance experience ever, it was quick, easy, and I had my insurance set up in minutes."


Nicole M.

"Affordable and easy car insurance with great customer service. Would recommend to anyone."


Tausif F.

Sources for fast facts about Thunder Bay:

  • Statistics Canada, Thunder Bay 2016 Census Profile
  • Ministry of Transportation, 2016 Road Safety Report
  • TB News Watch, “Thunder Bay’s most dangerous intersections in 2017”
  • CBC News, “Thunder Bay, Ont. once again homicide capital of Canada”
  • Thunder Bay Police Community Crime Map
  • Maclean’s, “Canada’s Most Dangerous Places 2019”
  • Thunderbay.ca, “City Parks”
  • CBC News, “Beware slippery winter driving: Thunder Bay police”

Source for average insurance rates by city:

  • Survey of 2,800 auto insurance policy holders in Ontario

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