Compare car insurance quotes from the best auto insurance companies in Charlottetown.

On average, Charlottetown drivers save hundreds of dollars per year by comparing quotes with us.

Get quotes from 50+ Canadian providers in 3 minutes.

Get quotes from 50+ Canadian providers in 3 minutes.

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26,467 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

Excellent
Based on 505 reviews
September 22
Was pleasantly surprised by the prompt…
Was pleasantly surprised by the prompt response to my enquiry online. Hope it's ...
Mishu K
August 17
Insurance quote
Within a few hours I received a call from a broker who explained the type of ins...
Louise Olivier
August 5
Received a call before I was even…
Received a call before I was even finished submitting information. Super fast se...
Robert Chiasson
August 4
Insurance Premiums
I got all the information I needed with the lowest Auto and Home insurance premi...
joseph almeida
August 4
A click and I was a few minutes away my 50% savings!!
A click and few answers to questions and I got a quote almost half the price of ...
Laurentia
August 4
Great service!
Great service!
Linda RitaOlivier
August 3
They respond very quickly
They respond very quickly. They are very understandable. The representative I sp...
Nuwara47
August 3
Excellent
They help and did a great job assisting in new insurance
Serena MarieCasto
August 2
The agent name, Justin Farr
The agent name, Justin F. was very helpful, kind, and patient. I will surely get...
JessicaMercado
August 2
Quick efficient and very helpful 👌
Quick efficient and very helpful 👌
Khalilulla Razzaque
August 2
dick
Web page was quick and easy to use
Richard
August 1
Great Customer Service & easy to get a…
Great Customer Service & easy to get a quote in minutes. Car Insurance premium a...
Nadeem Sheikh
July 30
Good experience was pretty quick
Good experience was pretty quick
Grant W.Murray
July 29
The agent was friendly
The agent was friendly, helpful and polite. All in all a good experience.
KaneezAla
July 29
Extremely simple
Extremely simple, and fast process.
JaniceGiannitti
July 26
excellent
excellent, professional service
SabinBaidoc
July 23
Very kind and helpful
Very kind and helpful
April Shannon
July 22
Easy to find easy to use website which…
Easy to find easy to use website which provided me with options.
Randall McLellan
July 22
Excellent service
Excellent service
Sven Zorz
July 21
They were great
They were great
ChristinaLain
July 21
Excellent pricing
Excellent pricing
pankaj joshi

How comparing auto insurance quotes works. Hint: it’s free!

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Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

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When you find the best quote, secure your Charlottetown auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Charlottetown.

P.E.I. drivers are lucky: they pay the second-lowest auto insurance premiums in the country.

Even so, drivers in Charlottetown need to make sure they have the right insurance for their vehicle, and that's where LowestRates.ca can help.

With just a few clicks, Charlottetown drivers can compare the best quotes from the car insurance quotes in the province. Next, we’ll set you up with the Charlottetown car insurance broker or agent that can secure your new (and cheaper) car insurance rate.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from September 28, 2022
Customer
Male, 26 years old
Location
charlottetown
Vehicle
2017 HYUNDAI SANTA FE SPORT 4DR 2WD
Lowest Rate
$76/mth
$912/yr
Average Rate
$110/mth
$1,314/yr
Saved
$34/mth
30.59%
Quote from September 28, 2022
Customer
Male, 20 years old
Location
charlottetown
Vehicle
2019 VOLKSWAGEN JETTA 1.4 TSI 4DR
Lowest Rate
$293/mth
$3,521/yr
Average Rate
$456/mth
$5,469/yr
Saved
$162/mth
35.62%

Focus on

Driving in Charlottetown

Most popular cars in Charlottetown

Take a look at Charlottetown drivers' favourite car brands:

Popular Brands

  1. Toyota
  2. Honda
  3. Nissan
  4. Ford
  5. Chevrolet

Who shops for auto insurance in Charlottetown?

Based on our data, here's who's shopping for car insurance in Charlottetown.

Gender of our users

Male
64%
Female
36%

Average Age

31

years old

Tickets & Accidents

Have Tickets
11.3%
Have Had Accidents
10.4%

What can I do to get cheap car insurance in Charlottetown?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Your questions about car insurance in Charlottetown, answered.

How much is car insurance in Charlottetown?

The average price of car insurance in P.E.I. is $816 per year, according to the Insurance Bureau of Canada.

But this average price of car insurance in Charlottetown, or the province, won’t be reflective of what you will end up paying for car insurance. The cost of car insurance is different for every driver — no one pays the average price.

When car insurance companies determine insurance premiums, they have to weigh a number of different factors including your age, sex, postal code, car type, and your driving experience. Your car insurance premium is highly dependent on your own unique makeup.

Car insurance calculators for Charlottetown don’t require enough information from you to provide an accurate estimate of Charlottetown car insurance prices. The quotes an agent or broker provides you will look a lot different than the amount generated by the calculator.

We suggest looking beyond the average as a benchmark. You’re better off getting a car insurance quote. The prices you see on LowestRates.ca are what you will pay unless your insurance agent or broker advises you to adjust your coverage.

Which Charlottetown postal code has the lowest average auto insurance premiums?

According to LowestRates.ca data, the Charlottetown postal code with the lowest average car insurance premiums is the C1A region, a large swath of the city. The University of Prince Edward Island, Red Shores Racetrack & Casino, and the Belvedere Golf & Winter Club are all contained within this region.

Which Charlottetown postal code has the highest average car insurance premiums?

According to LowestRates.ca data, the Charlottetown postal code with the highest average car insurance premiums is the C1C region, located just east of the city’s downtown. It encompasses the neighbourhoods of East Royalty, Hillsborough Park, and Falconwood.

How do Charlottetown car insurance rates compare to other cities in P.E.I.?

To see how car insurance rates in neighbouring communities compare to the average price Charlottetown, we benchmarked the average price of car insurance from the following communities to the average in the capital:

  • Brackley 8% lower
  • Kensington 19% lower
  • Cornwall 27% lower

The larger the city, the higher the cost of car insurance. The increased urban density means there is more risk of accidents, vandalism, and thefts occurring. It follows that Charlottetown would have higher insurance costs.

However, that doesn’t mean that you’ll have to pay a lot for car insurance. Living in a capital city doesn’t mean you have to pay high car insurance rates.

Individual factors like your driving and insurance histories, age, and gender play a big role in how much you pay for car insurance.

Where do I get the cheapest car insurance quotes in Charlottetown?

There isn’t one car insurance company that offers cheap auto insurance quotes to every Charlottetown driver that applies for a policy.

Car insurance premiums are highly customized products, tailored to your driving history.

To find cheap auto insurance rates in Charlottetown, we recommend focusing on your choice of car, and also maintaining a clean driving record.

Finding the cheapest auto insurance quotes in Charlottetown requires one more step: comparing car insurance quotes in advance of your policy renewal date.

There’s a lot of price variation in the Canadian car insurance market. We can help you find a car insurance company serving Charlottetown that can offer you a lower rate.

Car insurance rates for Charlottetown seniors

Adults between the ages of 50 and 70 pay some of the lowest car insurance rates in Charlottetown. After age 70, you might see your rate begin to increase, at which point may be time to shop around for new automobile insurance in Charlottetown.

Car insurance rates for Charlottetown students

Car insurance for new drivers in Charlottetown is expensive since new drivers lack a track record when it comes to driving. Here are some strategies new drivers can try right now to trim your car insurance rates in Charlottetown:

  • Get on your parents’ insurance as a secondary driver.
  • Apply for student discounts offered by your car insurance company.
  • Complete a driver’s education course.

It can be challenging for new drivers to find cheap car insurance in Charlottetown. However, we’ve found that the demographic that finds the most savings on LowestRates.ca are young drivers — the more you’re expected to pay, the more dramatic the savings you can find when you compare Charlottetown car insurance quotes.

Charlottetown car insurance for new immigrants

If you’ve recently immigrated to Charlottetown and have had car insurance in the past, ask your previous insurance company to provide a reference to your new Canadian insurer. If you can prove that you have a history of being insured, it will reduce your Charlottetown car insurance costs. Otherwise, car insurance companies will consider you a new driver.

Charlottetown car insurance for high-risk drivers

It’s hard to find affordable car insurance in Charlottetown as a high-risk driver but there are insurance companies that cater to this category of drivers. You can also always purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.

More tips on how to get cheap car insurance in Charlottetown

  • Charlottetown is small, but it has a transit system. Leaving the car at home and using transit to run errands can reduce your annual mileage, and therefore, your car insurance costs. T3 Transit (previously known as Charlottetown Transit) was founded in 2005 and now boasts 10 routes and transports 250,000 passengers every year.
  • Install snow tires. Prince Edward Island gets heavy snowfall. Snow tires will not only keep you safe, but you’ll also be rewarded with a discount on your car insurance premium.
  • Try a telematics program. By giving your Charlottetown auto insurance company permission to monitor your driving habits via a smartphone app, you could reduce your annual car insurance premium by up to 25%.
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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