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How comparing auto insurance works. Hint: It’s free! uses proprietary technology to generate and rank quotes from the top car insurers in your area. We just need your driver details to get started. After you select your quote, a professional insurance broker will be standing by to lock in your rate with the insurer of your choice and set up your new policy. The whole process takes only minutes. We save you time and money by finding the cheapest insurance quotes on the market and matching them to your driver profile. By simply comparison shopping, New Brunswick drivers can save hundreds of dollars per year on their premiums — just like that.

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How do New Brunswick car insurance rates compare to other provinces?

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:

Yearly Rate 1
British Columbia$1,832
Newfoundland &
$978 2
Nunavut$963 2
Yearly Rate 1
Yukon$812 2
Nova Scotia$891
New Brunswick$867
Prince Edward

1 Insurance Bureau of Canada, BC - Better Auto Insurance (2020)

2 Insurance Bureau of Canada, (2017)

What can I do to get cheap car insurance in New Brunswick?

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.

Auto insurance in New Brunswick: What you need to know.


Who sets auto insurance rates in New Brunswick?

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. 

What factors determine auto insurance rates in New Brunswick?

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.

How much is car insurance in New Brunswick?

The average price of car insurance in New Brunswick is lower than the national average, according to data from 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 means you’ll be shown the best rates for car insurance in New Brunswick.

Why are insurance rates so low 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.

What are the penalties for driving without insurance in New Brunswick?

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.

Your questions about car insurance in New Brunswick, answered.


Is auto insurance required in New Brunswick?

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.

What is the minimum requirement for auto insurance in New Brunswick?

  • Third-party liability insurance in New Brunswick: New Brunswick residents are required to carry $200,000 in third-party liability insurance on their vehicles. Without the minimum amount of coverage, drivers can't register their automobiles.
  • Direct compensation property damage insurance in New Brunswick: Drivers in New Brunswick are also required to hold direct compensation property damage (DCPD) coverage. This covers damages done to a vehicle when another driver is at fault for the accident. With DCPD, you collect benefits from your own insurer even if the damages were caused by someone else.
  • Uninsured motorist coverage New Brunswick: New Brunswick motorists are also required to hold uninsured and unidentified insurance. This coverage protects you if you're involved in an accident with an uninsured driver or a driver that cannot be identified.
  • Accident benefits coverage in New Brunswick: This type of insurance covers your medical costs if you’re involved in a car accident and also pays for extra costs associated with your recovery. This might include rehab, income replacement, etc. 
  • No-fault insurance in New Brunswick: This type of coverage means that you are required to deal with your insurance company first, for all claims, before bringing a suit. However, New Brunswick does allow a no-fault driver to sue an at-fault driver for additional damages that the mandatory accident benefits insurance does not cover. 

In addition to the mandatory coverages, drivers can also choose to purchase additional coverages: 

  • Collision coverage in New Brunswick: This type of insurance covers you for any damages sustained to your vehicle in a crash. This coverage applies whether you crash into another vehicle or into an object. 
  • Comprehensive Coverage in New Brunswick: This type of insurance protects against any losses the driver may experience, from an accident or collision all the way to vandalism or theft. 
  • Specified Perils insurance in New Brunswick: This type of insurance covers drivers for specific perils. These perils are chosen specifically for your policy and may include fire, hail damage, flooding, lightning, earthquakes, riots, etc. 
  • All-Perils insurance in New Brunswick: This type of coverage combines comprehensive and collision insurance. In addition, you’ll also be covered if your car is stolen by someone you employ to service your car or someone you live with. 

What kind of auto insurance system does New Brunswick have?

New Brunswick has a no-fault system: drivers deal with their own insurance companies regardless of who's at fault.

In addition to vehicle repairs and property damage, what else will my auto insurance policy cover?

If you get into an automobile accident in New Brunswick, regardless of who's at fault, your coverage will provide supplementary benefits:

  • Medical payments: up to $50,000/person.
  • Funeral expense benefits: up to $2,500.
  • Disability income benefits: up to $250/week.
  • Death benefits: death of head of household $50,000, plus $1,000 to each dependent survivor after first; death of spouse/partner $25,000; death of dependant $5,000.

What is the minimum legal driving age in New Brunswick?

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.

How do I get a Level 2 licence in New Brunswick?

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.

How do I get a full licence in New Brunswick?

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.

Is usage-based insurance available 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.

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