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Compare and purchase the best
car insurance rates in Thunder Bay.
Compare and purchase the best
car insurance
rates in Thunder Bay.
Get free & accurate quotes from Canada’s top car insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top car insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
Type of auto coverage we provide
Liability Coverage
Provides protection against a lawsuit resulting from damaged property or personal injuries.
Comprehensive Coverage
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects among others. (subject to a deductible).
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Accident Forgiveness
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windshield Coverage
Windows are included in comprehensive* however; you have the option to remove this coverage to lower your premium. (*Not Included in Alberta.)
Car Rental Coverage
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
Depreciation Coverage
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.
Family protection
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
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$759 in Savings

On average, Surex saves its customers $759 per year on their insurance.



Canadians shopped their insurance with Surex in the past 12 months


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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!

How do I get the best car insurance rate?
Compare quotes! Surex partners with the top insurance providers in Canada to provide you with multiple quotes, ensuring you’re getting the best possible car insurance rate. You might also be eligible for car insurance discounts, such as a good credit discount or claims-free discount. Your Surex insurance advisor will work with you to help you find car insurance discounts you qualify for.

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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Map of Canada
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
  1. Fort William Historical Park
  2. Kakabeka Falls
  3. Loch Lomond Ski Area
Top Landmarks Thunder Bay
  1. Centennial Park
  2. Mount McKay
  3. Hillcrest Park
Top Shopping Sites Thunder Bay
  1. Thunder Bay Centre
  2. Intercity Shopping Centre
  3. Thunder Centre
Surex Insurance Tips & Advice
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