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What our users say:

Based on 336 reviews
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 15
Don’t hesitate to move your policy
My rates went up again with my current insurance even though I have barely drive...
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 7
Great and honest service !!!
Meaghan Ford was amazing with her service and very patient in explaining all the...
Zee Sajid
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
June 14
its the easiest thing in the world to…
its the easiest thing in the world to find insuance that isn't going to burn the...
ann watson
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 9
Simple, fast, affordable!
Took a little longer than expected for the billing to go through, but otherwise...
Jonathan C
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee

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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 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.

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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from September 27, 2021
Male, 22 years old
Lowest Rate
Average Rate
Quote from September 25, 2021
Male, 21 years old
Lowest Rate
Average Rate

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


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

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 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 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 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 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 Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

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