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North Bay is a small city situated in Northeastern Ontario on the shore of Lake Nipissing. Located 330 km (210 mi), or four hours, from Toronto, North Bay is easily accessed from the more populated regions of Ontario. Drivers can travel to the city along Highway 11 and the Trans-Canada Highway, which both merge as they pass through North Bay.
The city is critically located and is an important transport hub for the Northern Ontario regions. Indeed, North Bay is the southern terminus for Ontario Northland Railway and is served by air travel thanks to the Jack Garland Airport.
The city is noted for its unique geography, especially when compared to Southern Ontario. As it lies on the Canadian Shield, North Bay is the boundary where Ontarian landscape turns more wild and rugged.
Despite a heritage of industry built around the RCAF Station North Bay base, North Bay has been able to diversify in the 21st century. The base is still a major part of the city life, and is unique as the only Air Force base in Canada without an airfield or aircraft.
Any driver in Ontario will know that the province is home to excessively high auto insurance premiums. Indeed, statistics show that Ontario is the most expensive car insurance market in Canada.
While insuring a vehicle in the province can be prohibitive, there are some areas of Ontario where auto insurance prices are more reasonable. Luckily, North Bay is one such place. Compared to the provincial average, car insurance in North Bay is a bargain.
Location is hugely important. Ontario’s high auto insurance market is mostly caused by the Greater Toronto Area and the Golden Horseshoe. The most populated region in Canada, the Golden Horseshoe is rife with fraud and auto insurance premiums are expensive to reflect prime location, increased change of theft and collision, and fraud.
North Bay is located hundreds of kilometres from Toronto, so the city escapes the influence of the GTA region. Average auto insurance premiums in North Bay are around $1100, over $400 more affordable than the provincial average.
While North Bay seems affordable next to Toronto and other Ontario regions, it is still an expensive market compared to the rest of Canada. With that in mind, it is very important that customers shop around for quotes to get the best rates on their car insurance.
By shopping for prices on RATESDOTCA, you can find the perfect auto insurance policy in North Bay. Comparing rates ensures you get the perfect policy for you at the lowest possible price.
Winters in Northern Ontario are harsh and dangerous. Preparing for the cold season is very important for North Bay residents, and this extends to their vehicles. While snow tires are not mandatory in Ontario, they are arguably essential in the Nipissing region. They make driving easier and safer, while insurance companies will discount auto insurance premiums for drivers who install winter tires.
| Postal Code | Average Premium |
|---|---|
| P1A 0A1 | $1234 |
| P1B 0A1 | $1234 |
| P1C 0A1 | $1234 |
Above average insurance premium numbers are according to data from RATESDOTCA Insuramap.
