Thunder Bay Car Insurance

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Thunder Bay Car Insurance

For over thirty years, Humberview Insurance Brokers has been a trusted partner for residents of Thunder Bay, Ontario, and nearby regions in securing their Thunder Bay car insurance needs. If you're in pursuit of a competitive Thunder Bay car insurance quote, our dedication goes beyond just finding you an affordable rate. We are eager to connect you with one of our licensed Insurance Brokers. These professionals are well-versed in the nuances of car insurance and are committed to guiding you, providing expert advice, and standing by your side during claims.

Standard Car Insurance in Thunder 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 Thunder 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 Thunder 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 Thunder 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 Thunder Bay

Mind Speed Limits

Whether in the urban centers or along the scenic routes, always adhere to the posted speed limits.

Nature Areas

Be cautious and respectful when driving near natural parks and landmarks.

Stay Weather Alert

Thunder Bay experiences a variety of weather conditions, from snowy winters to rainy springs. It's vital to stay updated with forecasts and adjust your driving habits.

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 Thunder-Bay?

From the moment you reach out for a quote, our commitment shines through. Thunder Bay, renowned for its natural beauty, including the iconic Sleeping Giant and its rich cultural history, emphasizes the importance of reliable Thunder Bay car insurance. Whether you're exploring Kakabeka Falls, visiting the historic Fort William, or venturing out of the city, you deserve peace of mind on the road.

Neighborhoods in Thunder Bay


The bustling heart of Thunder Bay, rich in history and commerce.

Port Arthur

With a blend of residential and commercial areas, and a beautiful waterfront.


A major commercial and shopping district of Thunder Bay.


A residential neighborhood with a rich community feel.

Busiest Streets in Thunder Bay

Memorial Avenue

Arthur Street West

Algoma Street

Balmoral Street

Thunder Bay Car Insurance FAQ

Thunder Bay Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Thunder Bay

  • For drivers in Thunder Bay with pristine driving records, Humberview Insurance Brokers is your top choice.
  • Our central goal is to offer affordable Thunder Bay car insurance solutions.
  • We strive to introduce you to our skilled, licensed Insurance Brokers who will guide you at every step, especially when dealing with claims.

Thunder Bay Commercial Auto Insurance

  • For decades, Humberview Insurance Brokers has stood out as the preferred choice for Commercial Auto Insurance in Thunder Bay.
  • Whether you're a business proprietor, manage a local establishment, or use your vehicle for commercial activities, we're here to help.
  • Our experts create insurance plans tailored to your individual needs, ensuring your business pursuits are protected.
  • Trust us for the foremost Commercial Auto Insurance solutions in Thunder Bay.

Thunder Bay High Risk Car Insurance

  • In Thunder Bay, individuals with a record of traffic violations, including impaired driving, at-fault accidents, or inconsistent insurance coverage, might find themselves in need of high-risk car insurance.
  • This specialized coverage is essential for those who, due to past driving blunders, are viewed as higher liability drivers.
  • Opting for Thunder Bay high-risk car insurance gives drivers the chance to rebuild a responsible driving record while ensuring they stay legally insured and safe on the road.

Ready for A Quote on Thunder Bay Car Insurance Insurance ?

One Single Point of Contact - Licensed Professional - Get a Quote with Top Insurers.

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