North Bay Car Insurance

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North Bay Car Insurance

For over thirty years, Humberview Insurance Brokers has served the residents of North Bay, providing tailored North Bay car insurance solutions. If you're looking for an affordable North Bay car insurance quote, we're not just about the price. We're committed to introducing you to our licensed Insurance Brokers who will guide you to the best policy, offer sound advice, and be there for you, especially during claim times.

Standard Car Insurance in North Bay, Ontario


Liability portion of your car insurance policy provides protection against damage you cause to other people or their property

Direct Compensation Property Damage

Covers damage to your vehicle from your own insurance company to the extent you are not at fault. (For portion you are at-fault you would need collision or all perils coverage). As of January 1 2024, there is an option to opt out of this coverage.

Uninsured Automobile Coverage

Protects you if you are hit by an uninsured motorist or by a hit and run driver. This portion will cover damage to your automobile caused by an identified uninsured motorist.

Accident Benefits

Provides compensation if you or others are hurt or killed in a car accident.

Extra Coverages for your North Bay Car Insurance to Take You Those Extra Km’s

Collision Coverage

Covers your damage to your car as a result of hitting an object or another car

Comprehensive Coverage

Covers some insured damages such as falling objects, theft and fire.

All Perils Coverage

Most extensive physical coverage for your car. Covers collision + comprehensive and better theft coverage.

Accident Forgiveness Coverage

Extra coverage that protects your driving record and your insurance rate from going up from your first at-fault accident. Typically, you need to have been insured accident free for a set number of years to qualify.

Depreciation Waiver Coverage

Gives you the purchase price of the vehicle in the event of a total loss.

Rental Vehicle Coverage

Provides you with a rental vehicle to a specified limit after an insured loss.

How North Bay Car Insurance Rates Determined


The Car you Drive

Factors such as engine size, the cost of the vehicle and safety ratings can all make an impact to how much you will pay for car insurance.


How you Drive

Generally, if you are driving many kilometers or driving to work you will generally pay more than someone that just used their vehicle for occasional driving and errands.


The Area in Which You Live

The area in which you live and where you most often drive affect the price you pay for car insurance. Generally, big cities have more traffic this makes the risk of accidents being higher.


Driver Profile

Things like your age, your driving history, how many tickets, accidents, when you got licensed as well as other factors can all play a part in making your rate..


All the Coverages You Choose

Some coverages you choose can add up and it is up to you to determine which are best fit for you. Our brokers can help you decide.


Discounts You Qualify for

A variety of eligible discounts can be added if you qualify that may impact your final car insurance rate.

Ways you Can Save to Get Cheap North Bay Car Insurance


Add your house policy to get a multi-line discount..

Insure two or more vehicles

Insuring your vehicles with the same company can result in you receiving a multi-vehicle discount for all vehicles on the policy.

Shop Around

In Ontario, there are many options for car insurance whether through agents, brokers or direct companies. There are many offerings.

Increase deductibles

Determine how much you are comfortable covering yourself if minor damage occurs and adjust your deductible accordingly.

Pay Yearly

Some insurers charge a maximum rate of 1.3% for paying for your car insurance on a monthly basis. If your company is charging you for paying monthly – ask about paying annually or in larger installments to avoid fees.

Install winter tires

Installing winter tires on your vehicles just makes sense for winter driving, but it can also save you money on what you pay for your car insurance.

Take a Drivers Training course

If you are a young or inexperienced driver the price you pay for car insurance might be improved by taking an approved driver training course.

Consider Renewing

Insurers typically give renewal discounts after a year or three and it might be wise to consider what the renewal price will be when you are shopping around.

Tips for Driving in North Bay

Beware of Wildlife

The city's proximity to nature means potential encounters with wildlife, especially during dawn and dusk.

Equip Winter Tires for Better Traction

Winter tires are essential for driving in North Bay's snowy conditions. They improve grip and reduce stopping distances on ice and snow, enhancing overall safety. Make sure to switch to winter tires seasonally for safer travel.

Prepare for Seasonal Weather

North Bay has a diverse climate, so always be ready for changing conditions.

Why Humberview?

  • You Get One Dedicated Broker

    We are not a call center, you will have the same broker for your policy.

  • In Business Since 1982

    We are an independent broker located in Toronto since 1982

  • Quotes from Top Insurers

    We represent some of Canada's best insurance companies.

  • No phone prompts when you call us

    Speak to a human, right away.

Did You Know About North Bay?

When you approach us for a North Bay car insurance quote, our commitment to your satisfaction is evident. North Bay, located amidst beautiful lakes and natural landscapes, also offers urban conveniences. This unique blend underscores the importance of dependable North Bay car insurance, ensuring drivers are protected on both city streets and scenic routes.

North Bay is nestled on the shores of Lake Nipissing, a scenic backdrop to a city filled with vitality. The town has several key streets and routes that drivers frequently use

Algonquin Avenue

A primary route filled with businesses and local amenities.

McIntyre Street

A vital street in the city center, often bustling with activity.

Trout Lake Road

A beautiful stretch offering views of the adjacent lake.

Lakeshore Drive

A main thoroughfare known for its panoramic lake views and frequent traffic.

Notable neighborhoods in North Bay include


A suburban enclave close to commercial hubs.


Renowned for its peaceful surroundings.

Thibeault Terrace

A vibrant residential area featuring parks and green spaces.

North Bay Car Insurance FAQ

North Bay Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in North Bay

  • For North Bay drivers with clean records, Humberview Insurance Brokers offers competitive rates.
  • Our experienced brokers will guide you to policies that reward your safe driving, ensuring you receive the best coverage at great rates.

North Bay Commercial Auto Insurance

  • For over three decades, Humberview Insurance Brokers has catered to North Bay's businesses, big and small.
  • Whatever your commercial vehicle needs, our team can tailor insurance solutions to protect your operations.

North Bay High Risk Car Insurance

  • High-risk insurance caters to drivers who've encountered challenges on the road, which can range from impaired driving convictions to numerous traffic violations, or lapses in coverage.
  • These incidents can make finding standard car insurance tough.
  • At Humberview Insurance Brokers, we understand that everyone deserves a second chance.
  • Our high-risk car insurance policies aim to help you focus on rebuilding your driving reputation.
  • By ensuring you're covered, you can confidently get back on the road and work towards a better driving record.
  • Every driver's journey is unique, and with the right support and coverage, a brighter driving future is possible.

Ready for A Quote on North Bay Car Insurance Insurance ?

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