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There's nothing like the open road — especially in New Brunswick. Whether you're taking in the Bay of Fundy, cruising along the Miramichi River Route, or commuting each day on the Acadian coast, New Brunswick offers drivers a true taste of the Maritimes.

Drivers in this province are also lucky enough to be paying some of the lowest auto insurance premiums in the country. But they can always save more money if they use an online comparison site. At, New Brunswickers can quickly find the cheapest insurance rates available.

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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What you need to know about auto insurance in New Brunswick.

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Who sets auto insurance rates in New Brunswick?

In the province of New Brunswick, individual insurers set auto insurance rates. These rates are then reviewed and approved by The Superintendent of Financial Services (federally), the Superintendent's Office (provincially), and the New Brunswick Insurance Board (NBIB).

The NBIB needs to ensure that auto insurance rates in the province are fair and reasonable. Meanwhile, the Facility Association extends policies to drivers who are considered too high risk to be insured the regular way.

What factors determine auto insurance rates in New Brunswick?

Auto insurance rates in New Brunswick are determined by a variety of factors:

  • Discounts.
  • Your payment history.
  • Your driving record
  • How you use your car.
  • The type of car you drive.
  • Lapses in insurance coverage.
  • Where you live (city vs. rural area).
  • The number of years you've been licensed.

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

New Brunswick auto insurance premiums are among the lowest in the country. They're behind only Prince Edward Island and Quebec.

Average auto insurance rates by province

ProvinceAverage Rates
British Columbia$1,832
Newfoundland & Labrador$1,168
Northwest Territories$978*
Nova Scotia$891
New Brunswick$867
Prince Edward Island$816

Source: Insurance Bureau of Canada, 2019, "BC - Better Auto Insurance."

*Source: Insurance Bureau of Canada, 2017

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.

How can I get cheap auto insurance in New Brunswick?

There are many ways to get cheap auto insurance in New Brunswick:

  • Pay your premiums on time.
  • Shop around for the best policy.
  • Choose a vehicle with more safety and security features.
  • Understand and choose the right type of insurance coverage.
  • Maintain a good driving history by avoiding accidents and convictions.
  • Take advantage of your insurer's discounts.

You might be eligible for a discount if you do any of the following:

  • Own a hybrid vehicle.
  • Have anti-theft devices on your car.
  • Maintain a claims-free record for a number of years.
  • Insure more than one vehicle with the same company.
  • Insure both your car and home with the same company.
  • Have an occasional driver who's living away from home while at school.

Is auto insurance required in New Brunswick?

Yes. The law requires drivers to carry insurance on their vehicle.

What is the minimum requirement for auto 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.

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.

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.

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 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.

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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