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First, we need to know about you and your vehicle. It only takes 3 minutes, and it’s 100% confidential.
Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.
When you find the best quote, secure your New Brunswick auto insurance rate by talking to a licensed broker or agent.
New Brunswick drivers are lucky to be paying some of the lowest auto insurance premiums in the country. This doesn’t mean you can’t save even more money, though.
Wondering how to get cheap car insurance in New Brunswick? By comparing the car insurance market, New Brunswick drivers can quickly find the cheapest insurance rates available.
In three minutes, you can compare auto insurance quotes from 50+ Canadian insurance providers with LowestRates.ca. Just enter your postal code now to begin a quote. We’ll find you the lowest rate and connect you with an insurance broker who will lock in your new policy.
Comparing rates only takes three minutes, there's no obligation, and it’s convenient. That’s why more and more drivers in New Brunswick are going online to get auto insurance quotes.
If you’re not ready to complete a quote, don’t worry. Keep scrolling for more information about how to get a car insurance policy in New Brunswick, as well as some estimates for what you might pay.
See how our customers with collision coverage save big on auto insurance.
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
Luckily for New Brunswickers, car insurance rates in the province are among the lowest in the country. The table below illustrates the average cost of car insurance in New Brunswick and how it compares to other provinces.
Compare the average New Brunswick insurance rate to other provinces:
| Province | Average Yearly Rate |
|---|---|
| Ontario | $1,824 |
| British Columbia | $1,461 |
| Alberta | $1,670 |
| Newfoundland & Labrador | $1,329 |
| Manitoba | $1,193 |
| Northwest Territories | $1,087 1 |
| Nunavut | $1,093 2 |
| Province | Average Yearly Rate |
|---|---|
| Yukon | $912 2 |
| Nova Scotia | $1,251 |
| Saskatchewan | $1,347 |
| New Brunswick | $1,177 |
| Prince Edward Island | $993 |
| Quebec | $1,043 |
Insurance Bureau of Canada, 2023
1 Groupement des assureurs automobiles (GAA), 2021
2 Groupement des assureurs automobiles (GAA), 2022
It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:
We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.
Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.
Your driving record impacts your rate. Fewer infractions and fines equals cheaper insurance.
Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.
Adding a house, motorcycle, RV, or other type of insurance policy to your car insurance plan can lower your rates.
Safety features like winter tires and alarm systems can help reduce your insurance premium.
Most auto insurance companies give special discounts to customers who stay with them for a number of years.
A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.
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.
Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.
Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.
With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.
Individual insurers set auto insurance rates in New Brunswick. These rates are then reviewed and approved by the Superintendent of Financial Services (federal), the Superintendent’s Office (provincial), and the New Brunswick Insurance Board (NBIB). New Brunswick car insurance brokers and lenders then deliver these rates to their customers.
The NBIB’s mandate is to make sure that car insurance rates in New Brunswick are fair and reasonable. However, it’s the Facility Association that extends policies to drivers who are thought to be too high risk to be insured by a traditional provider.
Auto insurance rates in N.B. can be attributed to a number of factors. Before giving you an estimate, New Brunswick car insurance providers will look at several factors. Here’s an example of the factors that determine your car insurance in N.B.:
Your age - Car insurance for young drivers in New Brunswick comes with some of the highest car insurance rates. It’s the same thing in every province. Car insurance prices in New Brunswick, similar to the rest of Canada, tend to drop off after age 25 and continue to fall through to age 30.
This is why cheap car insurance for new drivers in New Brunswick, along with other Canadian provinces, can be hard to find. (Learn more about shopping for car insurance for students in New Brunswick.)
This isn’t the only way your age can impact your car insurance. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Toronto. 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, car insurance rates for seniors in New Brunswick, and other Canadian provinces, can also be more expensive.
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 factor also makes it harder for new drivers in New Brunswick 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 New Brunswick, your driving history may become an obstacle to obtaining a cheaper rate. Click here to learn more about high risk car insurance quotes for New Brunswick drivers.
Your insurance history - Missed a car insurance payment? Your insurance premium will go up at renewal. 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 reduce your car insurance costs in New Brunswick is to make your payments on time, every month.
An absence of an insurance history can also impact your rates. For example, rates for car insurance for new immigrants in New Brunswick may be higher due to their lack of insurance history in Canada. Providers have little way of knowing whether you have a history of filing claims or making payments on time.
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 customers within that region are more likely to file a claim. That includes situations such as 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 have figured out a way to judge which car model is more likely to be involved in a collision, regardless of driver behaviour.
The average price of car insurance in New Brunswick is lower than the national average, according to data from LowestRates.ca. However, you won’t necessarily be charged the average price.
The average price isn’t always indicative of what you’ll actually end up getting charged. A lot of drivers who wind up on our site are looking for a car insurance calculator for New Brunswick insurance rates to instantly tell them how much they can expect to pay.
We recommend taking three minutes to complete a proper car insurance quote. Car insurance is a highly personalized product, so a more thorough questionnaire will deliver a more accurate quote. On top of that, completing a quote on LowestRates.ca means you’ll be shown the best rates for car insurance in New Brunswick.
New Brunswick's insurance rates are among the lowest in Canada, and credit goes to cost-saving reforms implemented by the province in 2003. Between 2001 and 2003, insurance costs in New Brunswick were escalating rapidly, and some drivers were unable to afford coverage. This pushed the New Brunswick government to implement changes that lowered premiums and gave consumers more choice in insurers. Drivers can now choose from 65 different car insurance companies, which each offer a wide variety of coverage.
If you're convicted of driving without auto insurance, you could face fines and/or jail time plus a licence suspension.
If you're involved in an accident while driving uninsured, special funds in New Brunswick will reimburse the person making the claim against you. These funds are administered jointly by the government and the insurance industry. Your licence may be suspended until you make arrangements to repay the fund.
Yes. Vehicle owners in Canada are required to carry auto insurance of some sort, no matter where you live.
Drivers are required to carry at least $200,000 in third party liability coverage in New Brunswick, along with accident benefits and uninsured motorist coverage.
In addition to the mandatory coverages, drivers can also choose to purchase additional coverages:
New Brunswick has a no-fault system: drivers deal with their own insurance companies regardless of who's at fault.
If you get into an automobile accident in New Brunswick, regardless of who's at fault, your coverage will provide supplementary benefits:
If you get parental consent, you can begin the licensing process when you turn 16. To earn your learner's licence (the Level 1) in New Brunswick, you must pass a written rules of the road knowledge test and a vision test.
The Level 1 licence has some restrictions: you can't drive between 12:00 AM and 5:00 AM, and you must be accompanied by a supervising driver that has a class 5 license and 3 or more years of driving experience. The supervising driver must ride in the front seat and is the only passenger who can ride in the car with you. And, of course, you cannot drive unless your blood alcohol concentration (BAC) is 0.
After you successfully hold the Level 1 licence for 12 months, or 8 months with a driver training course, you're eligible to take the Level 2 road test.
Once you pass the road test, you'll get your Level 2 licence. With your Level 2, you can drive between 12:00 AM and 5:00 AM if you're accompanied by an experienced driver. If you need to travel for education or work purposes, you may be exempt from this rule and be able to drive alone. However, with a Level 2 license, you cannot have more than three passengers in your vehicle, and you must maintain a blood alcohol level of 0.
Once you've had your Level 1 licence for 12 months and your Level 2 licence for another 12 months, you can get your full, unrestricted driver's licence in New Brunswick.
Yes. Unlike in other Maritime provinces, New Brunswick regulators have approved usage-based insurance. Drivers can take advantage of this new type of insurance plan and enjoy dramatically lower car insurance premiums.
Learn more about usage-based car insurance here.
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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