How Does Car Insurance Work in Timmins?
Car insurance is mandatory in Ontario, but it’s important to understand the factors that influence your insurance premium and the types of coverage you should consider.
Below is a breakdown of what’s included in your car insurance package in Timmins when you get a quote with MyChoice, categorized by mandatory and highly recommended coverages. Together, the mandatory and recommended coverage premiums reflect the average car insurance cost in Timmins referenced above.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability – Accident Benefits – Uninsured Automobile | $717 |
| Highly Recommended | – Direct Compensation: Property Damage – Collision – Comprehensive – OPCF 20 – OPCF 27 – OPCF 44R – OPCF 39 – OPCF 43 | $891 |
| Coverage Total: | $1,607 |
Mandatory Coverages
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage property while driving, and covers legal costs if you’re sued | $224 |
| Accident Benefits | Covers medical costs, income replacement, and more for you and others injured in an accident, regardless of fault | $480 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or an unidentified driver and suffer injuries or vehicle damage | $13 |
| Coverage Total: | $717 |
*The above coverages are mandatory in Timmins and will always be included in a standard car insurance quote.
Highly Recommended Coverages
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Direct Compensation: Property Damage | Covers damage to your own vehicle if you’re not at fault in an accident with another insured driver in Ontario. | $395 |
| Collision | Covers your vehicle if you hit another car or object and you’re found at fault. | $241 |
| Comprehensive | Covers damage to your vehicle from non-collision events like theft, vandalism, fire, or weather. | $173 |
| OPCF 20: Loss of Use | Pays for rental or other transportation if your car is out of service after an at-fault accident or comprehensive claim. | $20 |
| OPCF 27: Rental Vehicle | Extends your coverage to rented or borrowed vehicles, protecting you if damage occurs while you drive them. | $21 |
| OPCF 44R: Family Protection | Covers you and your family if you’re hit by an uninsured, underinsured, or hit-and-run driver and their coverage isn’t enough. | $16 |
| OPCF 39: Accident Forgiveness | Prevents your insurance premiums from increasing after your first at-fault accident, as long as you stay with the same insurer. | $23 |
| OPCF 43: Waiver of Depreciacion | Ensures you get the full purchase price back—not a depreciated value—if your new vehicle is written off. | $2 |
| Coverage Total: | $891 |
*Any of the above highly recommended coverages in Timmins may be removed from your quote, but we strongly recommend keeping them to have adequate protection.
Most Expensive Postal Codes in Timmins
The average auto insurance rate in Timmins, Ontario is $1,157, lower than Ontario’s provincial average of roughly $1,673. P4N is the most expensive postal code for auto insurance in Timmins:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P4N | $1,197 |
Least Expensive Postal Codes in Timmins
In terms of the cheapest postal code in Timmins that lies within the P4R area:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| P4R | $1,150 |
How Timmins Car Insurance Rates Compare to Nearby Cities
Timmins’ car insurance rates are some of the highest in the region. You can see how they compare to some of the neighbouring cities in the table below.
| City | Average Annual Car Insurance Premium |
|---|---|
| Timmins, ON | $1,607 |
| Sudbury, ON | $1,698 |
| North Bay, ON | $1,672 |
| Sault Ste. Marie, ON | $1,743 |
| Thunder Bay, ON | $1,926 |
| Huntsville, ON | $1,624 |
Car Insurance Cost in Timmins by Age
Your age plays a key role in determining your auto insurance premiums. Insurance companies typically charge more to young drivers and seniors. This is because the former are inexperienced and don’t have a sufficient driving record to prove how capable they are on the road, while the latter are at an increased risk of severe injury in the event of a traffic accident.
Below, we list the average cost of auto insurance by age group in Ontario:
| Age | Average Annual Car Insurance Premium | Average Savings with MyChoice |
|---|---|---|
| 18-20 | $4,612 | $917 |
| 21-24 | $2,378 | $473 |
| 25-34 | $1,832 | $364 |
| 35-44 | $1,607 | $320 |
| 45-54 | $1,366 | $272 |
| 55-64 | $1,270 | $253 |
| 65+ | $1,302 | $259 |
Car Insurance Cost in Timmins by Driving History
Auto insurers are always looking at how much risk they have to bear for each client, so driving history is another factor that affects car insurance premiums. High-risk drivers have a higher chance of getting in a traffic accident, thus costing the insurance company more money. Drivers who incur more demerit points and traffic violations are more likely to be labelled “high-risk” drivers and charged higher premiums.
See how different traffic violations impact your auto insurance rates below:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $1,607 |
| Insurance cancellation due to non-payment | $2,234 |
| Licence suspension for alcohol-related offences | $1,687 |
| One at-fault accident | $3,150 |
| Minor speeding ticket | $1,944 |
Car Insurance Cost in Timmins by Vehicle Model
Below is a breakdown of the estimated insurance costs for various car models in Timmins. This should give you an idea of what you can expect to pay for car insurance based on the vehicle model you drive.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Subaru | $1,395 |
| Honda | $1,475 |
| Volvo | $1,608 |
| Tesla | $1,578 |
| Hyundai | $1,621 |
| Audi | $1,998 |
| BMW | $1,870 |
| Mazda | $1,498 |
| Mercedes | $1,592 |
| Volkswagen | $1,478 |
The Best Car Insurance Brokerages in Timmins
Insurance brokerages help make the process of finding the best rates easier. They take all your information, including your driving history, habits, vehicle make and model, age, gender, etc., and find the best insurance companies and deals that match your needs.
Here are some of the best auto insurance brokerages in Timmins:
| Brokerage | Address | Phone number |
|---|---|---|
| PAIB Insurance Inc. | 101 Pine St S Timmins, ON P4N 2K1, Canada | +18443605300 |
| BrokerLink | 100 Algonquin Blvd E Timmins, ON P4N 1A4, Canada | +17052693000 |
| BMT Insurance & Financial Services | 65 Maple St S Timmins, ON P4N 1Y6, Canada | +17052689988 |
| PBL Insurance Ltd | 100 3rd Ave Timmins, ON P4N 1C3, Canada | +17052681011 |
Driving in Timmins
Known as the “City with a Heart of Gold”, Timmins is a large city in Ontario with a history in gold mining. Today, much of Timmins’ economy is based on the extraction of natural resources, including gold, copper, zinc, nickel, and silver. Timmins is just a few minutes away from the Trans-Canada Highway (Highway 11) and is about a seven-hour drive to Toronto.
Despite being one of the largest cities in Ontario land-wise, Timmins has a modest population of just 42,000 residents. It has plenty of opportunities in terms of employment, education, and recreational activities, yet it still retains a small-town charm to it.
Here are some more fast facts about driving in Timmins:
- Major highways: Highway 11, Highway 144, Highway 101, Highway 655
- Public transit options: Timmins Transit (bus, accessible minibus)
- Ridesharing services: Uride
- Parking space providers: The City of Timmins, private lots
- Top tourist attractions: Timmins Museum and National Exhibition Centre, Cedar Meadows Wilderness Park, Mount Jamieson Resort, Connaught & District Pioneer Museum, Thurston Stained Glass Studio
- Busy intersections: Algonquin Boulevard and Mountjoy Street, Algonquin Boulevard West and Theriault Boulevard, Algonquin Boulevard East and Brunette Road
- Airports: Timmins Victor M. Power Airport
Main Mode of Commuting in Timmins
Out of the 16,710 commuters in Timmins, 86.8% of them travel by car or other personal vehicle. Cycling is by far the least-popular commuting mode, with under a hundred bicycle commuters. Here’s a closer look at how Timmins’ commuters travel:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 16,710 | 100.0 |
| Car, truck or van | 14,510 | 86.8% |
| Car, truck or van – as a driver | 13,120 | 78.5% |
| Car, truck or van – as a passenger | 1,390 | 8.3% |
| Public transit | 715 | 4.3% |
| Walked | 1,025 | 6.1% |
| Bicycle | 70 | 0.4% |
| Other method | 390 | 2.3% |
Commuting Duration in Timmins
Over half of the city’s commuters enjoy a short commute of under 15 minutes. Even if their commute lasts over 15 minutes, most of them don’t spend over half an hour on the road. There are some people who spend over 30 minutes getting to work, but they’re relatively few and far between. Here’s a detailed look at commute times in Timmins:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 16,710 | 100.0 |
| Less than 15 minutes | 8,750 | 52.4% |
| 15 to 29 minutes | 4,975 | 29.8% |
| 30 to 44 minutes | 1,755 | 10.5% |
| 45 to 59 minutes | 360 | 2.2% |
| 60 minutes and over | 865 | 5.2% |
Driving Conditions in Timmins
Situated in Northeastern Ontario, Timmins gets very cold winters. From December to March, the average daily temperature is about -12°C. In the summer, average daily highs reach about 24°C. Winter tires are essential for driving around in Timmins during the snowiest months.
Here is an overview of the average driving conditions in Timmins:
- Average daily commute time: 22 minutes round trip
- Average annual rainfall: 555 mm
- Average annual snowfall: 1,653 mm
- Rainy days per year: 117.7 days
- Rainiest month in Timmins: June
- Driest months in Timmins: January
- Snow days per year: 142.2 days
- Snowfall months in Timmins: January – June, September – December
Traffic in Timmins
Traffic isn’t a major problem in Timmins, unlike other large cities in the province like Toronto or Ottawa. Most of its workforce enjoy a relatively short commute of just 11 minutes one way. Many residents bike or walk to work as well.
Traffic is perhaps most notable during winter months when the city is inundated with tourists seeking winter activities like snowshoeing, ice fishing, skiing, and snowmobiling. Timmins has 440 kilometres of wide snowmobiling trails that draw crowds from across the country.
- Population: Timmins has a population of about 41,145 people
- City area: Timmins’ city limits span 3,210 km2.
- Busiest highways: Highway 101 is the busiest in Timmins, Ontario.
- Average commute distance:
- Time spent in traffic annually:
- Average number of collisions:
The Most Common Questions About Car Insurance in Timmins
How much does Timmins car insurance cost?
Timmins car insurance costs about $1,607 on average.
Why should you compare car insurance rates in Timmins?
You should compare car insurance rates in Timmins because each insurance provider has its own way of computing premium rates. The best way to find a good deal would be to compare rates across different providers.
How can you get cheaper auto insurance in Timmins?
Compare car insurance rates in Timmins with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.