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

We can help you find cheap car insurance quotes in Fredericton.

Fredericton drivers have a wide range of choices when it comes to selecting a car insurance policy. Not only that, New Brunswick residents pay some of the lowest car insurance rates in Canada on average — but that doesn’t mean that a great car insurance policy is always easy to find.

A number of factors contribute to your car insurance rates. Some of these include location-based factors such as provincial regulation as well as general levels of traffic and vehicle theft in the area. Luckily, there are lots of auto insurance companies in Fredericton that specialize in providing car insurance to the people who live there.

However, you can't be sure you're finding the best rate unless you compare the market.

At LowestRates.ca you can find the cheapest car insurance prices from Fredericton car insurance brokers and agents in your area — just like that.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from October 16, 2021
Customer
Male, 47 years old
Location
fredericton
Vehicle
2019 JEEP CHEROKEE NORTH 4DR 4WD
Lowest Rate
$118/mth
$1,410/yr
Average Rate
$179/mth
$2,147/yr
Saved
$61/mth
34.00%
Quote from October 16, 2021
Customer
Male, 23 years old
Location
fredericton
Vehicle
2008 NISSAN VERSA 1.8 S 5DR
Lowest Rate
$75/mth
$902/yr
Average Rate
$129/mth
$1,547/yr
Saved
$54/mth
42.00%

Focus on

Driving in Fredericton.

Most popular cars in Fredericton.

A wide range of things goes into calculating your car insurance rates. And, yes, the car you drive is one of them. That’s why we used data from LowestRates.ca to compare the most popular cars among Fredericton residents shopping for car insurance online.

Popular Brands

  1. Dodge
  2. Hyundai
  3. Toyota
  4. Honda
  5. Subaru

Who shops for auto insurance quotes in Fredericton?

In other provinces, your age and gender impact how much you pay for car insurance. While these won’t impact your insurance premiums in Fredericton, we pulled the data anyway to show you who’s shopping for car insurance in Fredericton.

Gender of our users

Male
40%
Female
60%

Average Age

32

years old

Tickets & Accidents

Have Tickets
8%
Have Had Accidents
17%

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

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 Fredericton car insurance, answered.

How much is car insurance in Fredericton?

The cost of car insurance in Fredericton isn't standardized. Car insurance is a custom product and your premium will depend on a number of different factors, some of which are in your control, and some that are not.

An example of one factor that’s out of your control is the amount the car insurance company in Fredericton you’ve selected has had to pay out to other policyholders.

Car insurance calculator tools geared for Fredericton drivers require less information, but this also makes them less accurate. Keep reading for more information on how you can roughly estimate your car insurance costs in Fredericton.

Which Fredericton postal code has the highest average premiums?

According to LowestRates.ca data, the postal code with the highest average automobile insurance price in Fredericton is the E3A region, which includes the University of New Brunswick, Odell Park and the Beaverbrook Art Gallery.

Which Fredericton postal code has the lowest average premiums?

According to LowestRates.ca data, the lowest prices for car insurance in Fredericton, on average, are paid by residents of the E3B region, which encompasses the Fredericton International Airport and runs right along the border of St. John’s River.

How do Fredericton car insurance rates compare to other cities in New Brunswick?

Fredericton is the capital of New Brunswick. In New Brunswick, individual car insurance providers set rates, which are then approved by provincial regulatory bodies. This process might increase your likelihood of getting a competitive rate, but that doesn’t mean competitive rates are easy to find.

The cities that have the highest rates for car insurance in New Brunswick according to our data are:

  1. Mispec
  2. Moncton
  3. Dieppe
  4. Saint John
  5. Allison

That said, New Brunswick residents pay some of the lowest rates for car insurance in the country.  In general, drivers in the Maritime Provinces can expect to pay less for car insurance than central Canadians. This might be due to a smaller population, fewer accidents due to a more relaxed lifestyle, or less driving overall. It’s important to note that the rate you’re given will be based on your unique circumstances.

Here are the cities that pay the lowest rates for car insurance in New Brunswick according to our data:

  1. Barter Settlement
  2. Cassidy Lake
  3. Anderson Settlement
  4. Atholville
  5. Drummond

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

Because car insurance is such a customized product based on your specific driving history and circumstances, there is no one provider that offers the cheapest rates to all Fredericton residents. There is a wide range of factors that can contribute to your car insurance rate. These will likely include your age, your gender, where you live, how much you drive and how much car insurance you purchase.

In addition, these might include the financial losses of the provider you’re working with. If payouts to policyholders were high one year, the company will raise premiums a little bit for all its customers.

The bottom line is, getting the best rate can be a challenge. But you can make things easier for yourself by using a price-comparison website like LowestRates.ca, which compares the market for you.

What factors determine my car insurance quotes in Fredericton?

Here are some factors that might impact your insurance premiums in Fredericton:

Your driving history: Insurers like to see a lot of driving experience (typically eight years or so). They reward long-time drivers who are conviction and claims-free with lower rates. This fact also makes it harder for new drivers in Fredericton who need car insurance to find affordable rates.

In addition, if you’ve been deemed a high-risk driver and you need car insurance in Fredericton, your driving history may become an obstacle to obtaining a cheaper rate. Click here to learn more about high-risk car insurance quotes for Fredericton drivers.

Your postal code: Insurance companies also rely on postal code regions to price auto insurance. Some postal code regions pay more in insurance than others because the insurance company believes that customers within that region are more likely to file a claim based on historical data. Situations that can lead to a claim being filed include theft, vandalism, and collisions.

Your mileage: Insurance companies will ask you how many kilometres you drive each day. The longer your commute, the more time you spend on the road, which increases the probability that you’ll be involved in an accident.

Your car: Insurance companies can estimate how much it will cost to repair or replace your car based on the model.

Your age: Like many other provinces, car insurance for young drivers in Fredericton may be more expensive until age 25. Like the rest of Canada, where rates tend to drop after age 25 and level off by age 30.

This is why cheap car insurance for new drivers in Fredericton can be hard to find (learn more about shopping for car insurance for students in Fredericton).

This isn’t the only way your age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider of your auto insurance. After age 70, seniors might see their rates begin to creep up. People in this age group are more statistically more likely to need to file a claim and need longer to recover from an injury. This is also why car insurance rates for seniors in Fredericton may be more expensive than residents of other ages.

Your gender: Your gender also plays a role in determining your auto insurance rates. Men are known to pay more than women for a variety of reasons.

Your insurance history: Missed a car insurance payment? Insurance companies give preference to customers who always pay on time and have no gaps in their insurance history. This is why one of the best ways to gradually reduce your car insurance costs in Fredericton is to make your payments on time, every month. In Fredericton, a lapse in, or absence of, an insurance history can also impact your rates. For example, cheap car insurance rates for new immigrants in Fredericton may be harder to find than for other residents.

Other factors that cannot impact your car insurance rates in Fredericton include your marital status, the age of your car, accidents in which you were not at fault, being previously refused insurance by another company and being insured with the Facility Association (insurance pool funded by car insurance companies that specializes in covering high-risk drivers, i.e., the insurer of last resort).

More tips to get cheap car insurance in Fredericton:

Maintain a good driving record: It’s a myth that Fredericton drivers don't deal with traffic congestion. Even though Fredericton is relatively small, its bridges often get snarled with traffic during rush hour. This problem's been exacerbated recently by several construction projects in the area. This can make it easier to wind up in a fender bender, so be sure to drive carefully to avoid collision and keep your car insurance rates low.

Also, watch out for speed bumps on Northumberland Street and Odell Avenue. Both roads connect Brunswick Street, which runs parallel to the Saint John River. Navigate these roads carefully to prevent speed bump related damages.

Reduce your mileage: It’s also false that taxis are hard to find in New Brunswick - which is good for you if you’re looking to save on car insurance. Your payments are partially determined by how frequently you drive your vehicle.

Luckily, taxis are a common way to get around town. Here are some of the cab companies in Fredericton: ABC Car Services, Checker Cab, George's Skycab, Loyal Taxi, Standard Taxi, and Trius Taxi. These are all great options if you’re looking to skip the drive every once in a while.

Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for LowestRates.ca. Before joining the team, Jessica worked as a National Online Journalist with Globalnews.ca and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

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