Timmins Car Insurance

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Timmins Car Insurance

For over thirty years, Humberview Insurance Brokers has been a trusted partner for residents of Timmins, Ontario, and nearby regions in securing their Timmins car insurance needs. If you're in pursuit of a competitive Timmins 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 Timmins, 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 Timmins 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 Timmins 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 Timmins 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 Timmins

Mind Speed Limits

Always respect the posted speed limits, whether in the city or in more remote areas.

Mining Areas

Be cautious when driving near mining sites and adhere to any posted warnings or restrictions.

Stay Weather Alert

Timmins is known for its cold winters with significant snowfall. Always stay updated with weather forecasts and adjust your driving accordingly.

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 Timmins?

From the moment you contact us for a quote, our commitment becomes evident. Timmins, famously referred to as "The City with a Heart of Gold" due to its gold mining history, underlines the significance of reliable Timmins car insurance. Whether you're touring the Timmins Museum, enjoying the great outdoors in the many parks and lakes, or venturing outside of the city, you should have peace of mind on the road.

Neighborhoods in Timmins


The commercial and cultural heart of Timmins.

South Porcupine

A historic area known for its beautiful Porcupine Lake.


Named after the founder of the McIntyre Mine and is rich in mining history.


A primarily residential area in the city.

Busiest Streets in Timmins

Algonquin Boulevard

Riverside Drive

Pine Street South

Theriault Boulevard

Timmins Car Insurance FAQ

  • How much car insurance do I need in Timmins?

    The minimum amount includes liability insurance which comes with three other mandatory coverages. We suggest people carry at least $2 million in auto liability coverage.
  • How much is car insurance per month in Timmins?

    Paying approximately $200 per month is in and around the standard. But this can increase quickly if you are a new driver, have tickets, accidents or live in an area where there are a lot of claims.
  • How much is insurance for a G2 Driver in Timmins?

    For a new G2 driver paying $350 per month is not unheard of. There could be ways to reduce this rate if you recently moved to Ontario and can prove experience from a different province or country.
  • Which car has the cheapest insurance in Timmins?

    In Timmins, it's wise to choose a dependable vehicle with all-wheel drive to tackle the snowy seasons, such as a compact SUV. Look for one with strong safety features and good fuel economy, which can help reduce insurance premiums. This type of vehicle will serve you well for navigating city streets and exploring the more rugged terrain around Timmins.
  • How much is car insurance in Timmins for a new driver?

    The Ontario auto policy provides many coverages, as well as extreme weather events, fraud and higher value of vehicles results in higher premiums people pay for their auto policy in Ontario.
  • Do all drivers in a household have to be insured in Timmins?

    There is no clear answer, as Ontario car insurance is based on many factors. Vehicles with higher safety ratings and are less expensive typically will result in lower premiums for the rating that is derived by the vehicle.

Timmins Car Insurance Quotes For Different Types of Car Insurance

Clean Record Car Insurance in Timmins

For drivers in Timmins with pristine driving records, Humberview Insurance Brokers is your top choice. Our primary objective is to offer budget-friendly Timmins car insurance solutions. We are committed to introducing you to our seasoned, licensed Insurance Brokers who will assist you at every step, particularly when handling claims.

Timmins Commercial Auto Insurance

For decades, Humberview Insurance Brokers has been the top pick for Commercial Auto Insurance in Timmins. Whether you're a business owner, run a local establishment, or use your vehicle for commercial purposes, we've got you covered. Our professionals craft insurance solutions tailored to your unique needs, ensuring your commercial activities are protected. Rely on us for the best Commercial Auto Insurance solutions in Timmins.

High Risk Car Insurance in Timmins

Certain drivers in Timmins might require high-risk car insurance due to past mistakes or circumstances. This type of insurance is tailored for those perceived as a higher liability, perhaps due to prior driving infractions. Such behaviors not only endanger the road but can also lead to severe legal consequences. Other reasons to consider high-risk car insurance in Timmins might include consistent traffic violations, being at fault in multiple accidents, or gaps in coverage. This specialized insurance lets drivers work towards improving their record while being adequately protected.

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