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

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

The secret's out: Nova Scotia’s drivers enjoy some of the finest scenery in the world. And when it comes to auto insurance rates, getting behind the wheel on the Rock is a happy experience. Thanks go out, in part, to insurance reforms enacted by the province in 2004.

But just because auto insurance rates are relatively low, there are still savings to be had. All you have to do is shop around online.

Luckily, there are lots of auto insurance companies in Halifax that might be your perfect fit — but you won’t know unless you compare the market.

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

Rate comparison sites like LowestRates.ca help drivers find the cheapest car insurance rates available, quickly and easily.

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See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from October 16, 2021
Customer
Male, 24 years old
Location
halifax
Vehicle
2019 HYUNDAI ELANTRA PREFERRED 4DR
Lowest Rate
$364/mth
$4,363/yr
Average Rate
$670/mth
$8,038/yr
Saved
$306/mth
46.00%
Quote from October 16, 2021
Customer
Female, 33 years old
Location
halifax
Vehicle
2021 VOLVO TRUCK/VAN XC90 MOMENTUM T6 4DR AWD
Lowest Rate
$171/mth
$2,046/yr
Average Rate
$247/mth
$2,958/yr
Saved
$76/mth
31.00%

Focus on

Driving in Halifax.

Most popular cars in Halifax

Halifax is one of Canada’s most scenic cities, so it’s no wonder its residents love to hit the road on the regular. According to our data, Halifax drivers like these car brands the most.

Popular Brands

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

Who shops for auto insurance quotes in Halifax?

Based on LowestRates.ca data, here’s who’s shopping for cheap auto insurance quotes in Halifax.

Gender of our users

Male
66%
Female
34%

Average Age

36

years old

Tickets & Accidents

Have Tickets
12%
Have Had Accidents
8%

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

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 another 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 Halifax car insurance, answered.

 

How much is car insurance in Halifax?

There is no standardized cost for car insurance in Halifax because car insurance is a custom product. Your premium will depend on a number of different factors — some of which are in your control and some that are not — including the loss ratios of the car insurance company in Halifax you’ve selected. Car insurance calculator tools geared for Halifax 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 Halifax.

Which Halifax postal code has the highest average premiums?

The postal code with the highest average automobile insurance price in Halifax is the B3S region, near the district of Clayton Park West. This postal code encompasses Bayer’s Lake and a portion of the Birch Cove Lakes Wilderness area.

Which Halifax postal code has the lowest average premiums?

The lowest prices for car insurance in Halifax, on average, are paid by residents of the B3N region, which is located in the Fairmount district. Included in this district is Chocolate lake, which has driven the development of a conversation area and tourist attractions nearby.

How do Halifax car insurance rates compare to other cities in Nova Scotia?

Halifax, the capital of Nova Scotia, is the largest and most populous city in the region. According to LowestRates.ca’s user database, the top three cities in Nova Scotia who pay the highest rates for car insurance are:

  1. Armadale
  2. Halifax
  3. Beaver Bank

The cities that pay the lowest rates for car insurance in Nova Scotia are:

  1. Billtown
  2. Auburndale
  3. Donkin

Residents of Nova Scotia pay the fourth-highest rates for car insurance in the country, and the residents of Armadale pay hundreds of dollars more per year than the residents of Donkin.

While where you live is an important factor in determining your auto insurance rates, it’s just one of many factors that might come into play.

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

This is a difficult question to answer. Because car insurance is such a personalized product, there is no one car insurance company that will provide the cheapest rates to all its customers.

Don’t worry though. It’s highly likely that there is a car insurance company out there that will favour your risk profile over another, which means that there are savings to be had. However, some of the things that make up your risk profile are within your control, and others are not.

Factors that are under your control include:

  • Gender
  • Where you live
  • Deductible amount
  • Value of your vehicle
  • How you use your vehicle
  • How far you drive each day
  • Who else is driving the vehicle
  • The type of coverage you chose
  • Driving record and accident claim history of all drivers
  • Type of vehicle, including theft rating for that vehicle type

As of November 2014, Nova Scotia insurers stopped using age and marital status to determine drivers' risk classifications. Removing gender as a rating factor was reviewed, but ultimately denied in the 2011 reforms.

While there are some things you can do to secure an affordable car insurance rate in Halifax, there are some things that are out of your control. These might include the insurance company’s loss ratios, which are determined by the driving history of the insurers’ other customers.

There’s very little you can do about the factors you can’t control. So, we recommend focusing on what you can control. This usually comes down to maintaining a good driving record and making your insurance payments on time.

When you compare car insurance quotes, make sure you do it in advance of your policy renewal date. Cancelling your insurance premium prematurely can harm your insurance rating and lead to a rate increase.

What factors determine my car insurance quotes in Halifax?

There are a number of things insurance companies will take into account when calculating your rate. For instance, the amount that you drive every day, your insurance history, your gender, and other factors may impact how much you pay for car insurance each month.

Here’s a list of other factors insurance companies may consider when evaluating your risk profile:

Your licence level: Not having a full licence will cause your premium to be higher. Conversely, having a full licence has a positive effect on your car insurance rates. New drivers looking for car insurance in Halifax may see higher rates as a result. This is why students who need car insurance in Halifax may face challenges securing an affordable rate.

Your driving history: Insurance companies favour drivers who have many years of claims-free driving experience. Having little driving experience (approximately less than 10 years), previous claims, and driving convictions will push your car insurance rates up. For this reason, car insurance rates for high-risk drivers in Halifax may be higher than the average rate.

Your age: Being a young driver puts you at a higher probability of being in a collision, according to actuarial data: you’re new to driving and are likely going to make some mistakes. In 2014, Nova Scotia car insurance companies stopped using age as a factor when determining risk profiles. New drivers in Halifax may find cheap car insurance rates more easily than in other provinces.

However, being young isn’t the only way age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Canada. 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, though, you might see your rate begin to creep up because people in your age group are more statistically more likely to need to file a claim and need longer to recover from an injury. Therefore, seniors in Halifax who hold car insurance policies may also pay higher rates due to a higher rate of accidents in this age group.

Your sex: Unfortunately, men often pay higher rates than women.

Your postal code: Urban dwellers pay more than drivers in rural areas.

Your insurance history: In addition to having a poor driving history, your insurance history can also play a role in determining your rates. If you’ve filed multiple claims or have a history of missing payments, you may be given a higher rate. Furthermore, new immigrants who need car insurance in Halifax may also face challenges because they have no Canadian insurance history at all.

The amount of coverage you purchase: Buying coverage that exceeds the mandatory minimums will raise your insurance premium.

Having a consistent source of income: Whether or not you are employed may impact your ability to make regular payments. This is why students who need car insurance in Halifax may face challenges securing an affordable rate.

Facts and myths about driving in Halifax.

Facts

  • There are 32 Volvos at the bottom of Bedford Basin. They sank with their cargo ship in 1969.
  • The Armdale Traffic Circle has long been a source of frustration to drivers. Prior to 2005, the roundabout used a "yield and proceed" rule that confused drivers (especially those from out of province) and snarled traffic.
  • The Halifax Regional Municipality has nearly 250 new sidewalk construction projects tabled. The HRM is aiming to complete approximately 10 of these projects annually.

Myths

  • Workers in Halifax don’t rely on their vehicles to get to work. False. Statistics Canada reports that 76.6% of workers use a car, van, or truck to get to work on a daily basis.
  • Halifax gets very little snow. False. The city's located on a coast, which is often associated with mild weather, but Halifax gets several huge snowstorms every year.
  • Halifax has B-grade public transit. False. Halifax Transit has a fleet of buses that service the city. It also operates the Dartmouth Ferry Service, the oldest saltwater ferry service in North America.

Halifax driving tips

  • Buy snow tires. Halifax gets its fair share of snowstorms. Enhance your safety and the safety of others by investing in a quality set of snow tires.
  • Watch those one-way streets. There's a lot of one-way streets down by the waterfront in Halifax, so stay alert and pay attention to street signs.
  • Be courteous to pedestrians — everyone else is. Halifax drivers are known for their road manners and their tendency to stop for pedestrians even if they're several metres away from the road. If you see pedestrians approaching, be prepared to stop.
  • Pay attention and yield at the Armdale Traffic Circle. The Armdale Traffic Circle gets traffic from five different roads: Herring Cove Road, St. Margaret's Bay Road, Joseph Howe Drive, Chebucto Road, and Quinnpool Road on the peninsula. The traffic rules governing the Armdale Traffic Circle changed in 2005 to conform to worldwide standards. Cars entering the circle have to yield to those already inside it.
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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