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New Ontario auto insurance changes take effect July 1, 2026
Types of coverage we provide
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run, or with an uninsured driver.
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects, among others. (subject to a deductible).
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windows are included in comprehensive*, however, you have the option to remove this coverage to lower your premium. (*Not included in Alberta.)
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
In the event of a "total loss", this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Recent auto insurance quotes in Thunder Bay
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Our Reviews
Devansh Soni sales representative was very helpful to me showing high professional customer service especially in providing and explaining the terms of the contract and speed in responding to my emails. Thanks Devansh Soni
My agent, Devin Jeffrey, was really knowledgeable, patient, kind, and goes the exra mile to help me out. I had a really smooth and easy time when I was dealing with him. 5Stars for him.
I was very happy with the service I received from Mariam C out of Edmonton. She was very easy to talk to and to get in touch with. A very knowledgeable lady and a pleasure to deal with.
Would highly recommend!😊
I had an excellent experience with Surex, thanks to Dayana Nuñez. She was professional, knowledgeable, and incredibly patient throughout the entire process. She took the time to answer all my questions, explained my coverage options clearly, and helped me find the best solution for my needs without making me feel pressured.
One thing that really stood out was that she speaks Spanish, which made the entire experience even more comfortable and stress-free. It's a huge advantage for Spanish-speaking clients.
I highly recommend Surex, and especially Dayana, if you're looking for outstanding customer service and a smooth insurance experience.
Ashley was so lovely. It is my first time owning and registering my car for insurance. She walked me through every step of the way and helped me get the best price. She is amazing at what she does and I will be telling people to go with Surex from here on out. Thanks so much Ashley. I couldn’t have done it without you.
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Average car insurance prices in Canadian cities 2026
We reviewed thousands of car insurance quotes and found out how much drivers in Thunder Bay pay on average for their premium. See how your city compares.
City |
Annual Premium |
Monthly Premium |
|---|---|---|
Thunder Bay |
$1850.00 |
$154.17 |
Barrie |
$2212.00 |
$184.33 |
Brampton |
$3300.00 |
$275.00 |
Brantford |
$2109.00 |
$175.75 |
Burlington |
$2082.00 |
$173.50 |
Calgary |
$2007.00 |
$167.25 |
Edmonton |
$2099.00 |
$174.92 |
Guelph |
$1539.00 |
$128.25 |
Halifax |
$1267.00 |
$105.58 |
Hamilton |
$2047.00 |
$170.58 |
Kingston |
$1928.00 |
$160.67 |
Kitchener |
$1851.00 |
$154.25 |
Lethbridge |
$1596.00 |
$133.00 |
London |
$2317.00 |
$193.08 |
Markham |
$2398.00 |
$199.83 |
Mississauga |
$2837.00 |
$236.42 |
Moncton |
$1596.00 |
$133.00 |
Oakville |
$2540.00 |
$211.67 |
Orillia |
$1680.00 |
$140.00 |
Oshawa |
$2250.00 |
$187.50 |
Ottawa |
$2115.00 |
$176.25 |
Peterborough |
$1739.00 |
$144.92 |
Red Deer |
$1825.00 |
$152.08 |
Sault Ste. Marie |
$1964.00 |
$163.67 |
Scarborough |
$2721.00 |
$226.75 |
Toronto |
$2537.00 |
$211.42 |
Windsor |
$1759.00 |
$146.58 |
Yellowknife |
$1722.00 |
$143.50 |
Average prices are based on Surex quotes in the past 12 months for drivers with one vehicle and no claims. Updated April 2026.
Bundle Your Home & Auto To Save up to 25%
Thunder Bay, also known as the sleeping giant, has a population of just over 100,000 residents. It is situated on Lake Superior, in Northwestern Ontario. The Trans Canada Highway runs through the city to Winnipeg (in the west) and Sault Ste Marie (in the east). It’s a quick 45-minute drive south to the US border (Pigeon River border crossing) that connects to the Midwest via Duluth, MN. The geographical location of Thunder Bay makes the city a major crossroad for travellers, thus earning it the nickname of “Canada’s Gateway to the West”.
When you own a car, getting automobile insurance is mandatory by law across Canada. Whether you're commuting to work every day, or just using your vehicle to run weekly errands, you need low cost auto insurance from one of the top rated car insurance companies in Ontario. It protects you (the driver), your passengers, and pedestrians in the event of an accident. So, before you get behind the wheel talk to your Surex Advisor who can help you get on the road today!
Save up to 25% on affordable car insurance in Thunder Bay!
Yes, all Ontario drivers including drivers in Thunder Bay are required by the Financial Services Commission of Ontario (FSCO) to have a minimum of $200,000 worth of Third Party Liability Coverage, Statutory Accident Benefits Coverage, Uninsured Automobile Coverage, and Direct Compensation & Property Damage Coverage.
There are three types of auto insurance coverage in Canada.
- Collision car insurance: coverage for when you and another car or stationary object collide to cover the cost of the repair.
- Comprehensive car insurance: provides coverage for hitting an animal, fire, theft, vandalism, flood.
- Liability car insurance: is required, by law, for all drivers. This insurance protects others from damages caused while you are driving, including property damage, bodily injury, and death.
Car insurance policies are offered by personal lines insurance providers across Canada. Contact an insurance broker so they can provide you with an online car insurance quote from leading insurance providers so you can compare prices and the best insurance coverage options!
Car insurance in Thunder Bay is an agreement between customers and insurance providers that commits to protecting against financial losses in the case of a car accident or automobile theft.
The average cost of car insurance in Thunder Bay is approximately $1,900 per year for 2021, an increase of over $700 from the 2020 average.
Drivers should shop around online to get the best car insurance rate possible in Thunder Bay. Getting a free car insurance quote at an online insurance brokerage like Surex will allow you to speak to the best insurance broker to see which discounts you qualify for.
Various factors affect how affordable car insurance rates are in Thunder Bay, including the amount you drive, your driving history, the state of the vehicle, your coverage, as well as your deductibles.
Drivers must provide a few documents to get insurance online in Thunder Bay. These include a valid driver’s license, proof of driver’s education training (if completed), vehicle registration, driving history (obtained through Service Ontario), license plate number, current car insurance policy, which drivers will use the vehicle, and payment information.
Your online auto insurance company will send a renewal notice in the mail or online when you policy comes close to expiration. Policies will have 30 days before they expire, at which point customers can decide to renew or switch up their policies.
The most affordable auto insurance company will depend on every customer’s unique situation. All of the top rated car insurance companies in Ontario have their own formula, meaning some criteria like driving record or age may weigh more than others. It’s a good idea to compare insurance companies with Surex so that licensed insurance advisors can shop the market for you.
You can contact your assigned Surex insurance broker/advisor or contact the top rated Ontario automobile insurance companies. Make sure you have your insurance policy # and details of the claim prepare when you call.
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The best road-trip destinations in Thunder Bay
Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Thunder Bay to explore on your next road trip.
Things to do in Thunder Bay
- Fort William Historical Park
- Kakabeka Falls
- Loch Lomond Ski Area
Top Landmarks Thunder Bay
- Centennial Park
- Mount McKay
- Hillcrest Park
Top Shopping Sites Thunder Bay
- Thunder Bay Centre
- Intercity Shopping Centre
- Thunder Centre
Helpful auto insurance guides
These guides help Ontario drivers understand how car insurance works, including coverage basics, cost factors, and tips for comparing policies.
Online insurance looks easy, but direct buying can leave you undercovered when claims happen. Working with a broker ensures your policy actually protects you.
In Canada, drivers under 25 are considered young drivers and often pay higher premiums due to limited experience and higher risk, though savings options exist.
Being a great driver protects lives and can lower insurance rates—this article explains how tickets, accidents, demerits, and star ratings impact your premiums.
