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

We can help you find cheap car insurance in the Northwest Territories.

Northwest Territories drivers deal with a unique set of challenges: frigid weather, limited daylight for part of the year and lots of wildlife. They also have to dodge rising auto insurance premiums. can help with that.

If you’re wondering how to get cheap car insurance in the Northwest Territories, we have a solution. All you have to do is take a few minutes to fill out the form above. Just enter your postal code to begin a quote and you’ll be shown the best quotes from car insurance companies in your area. It’s fast, easy and free. That’s why more and more drivers in the Northwest Territories are going online to get auto insurance quotes.

Not ready to start shopping? No worries. Before you begin your search for the best car insurance rates in the Northwest Territories, it’s important to know how car insurance works. Keep reading to learn more about what type of car insurance system the Northwest Territories has and some steps you can take to secure a lower rate.

How do Northwest Territories car insurance rates compare to other provinces?

Residents of the Northwest Territories pay some of the lowest car insurance rates in Canada. The table below illustrates the average cost of car insurance in Northwest Territories and how it compares to other provinces.

Compare the average Northwest Territories 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 Northwest Territories?

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 Northwest Territories: What you need to know.

Who sets the auto insurance rates in Northwest Territories?

The Northwest Territories has a private insurance market. This means that rates are set by individual insurance companies based on market conditions. Northwest Territories car insurance brokers or agents then deliver these rates to their customers. The car insurance industry is regulated, along with other types of insurance in the territory, by the Office of the Superintendent of Insurance.

What factors determine auto insurance in Northwest Territories?

Car insurance rates in the Northwest Territories are dependent on several factors — some which are in your control and some which are not. Before giving you an estimate, Northwest Territories car insurance providers will look at several factors. Here’s a sample of what they might consider:

Your age - Car insurance for young drivers in Northwest Territories comes with some of the highest rates. It’s the same thing in every province. Car insurance prices in Northwest Territories, 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 Northwest Territories, along with other Canadian provinces, can be hard to find. (Learn more about shopping for car insurance for students in the Northwest Territories.)

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 NWT. . 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, you might see your rate begin to creep up because people in your age group are more likely to need to file a large claim and need longer to recover from an injury. Therefore, car insurance rates for seniors in Northwest Territories, 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 Northwest Territories 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 Northwest Territories, your driving history may become an obstacle to obtaining a cheaper rate. Click here to learn more about high risk car insurance quotes for Northwest Territories 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 Northwest Territories 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 Northwest Territories 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. One way around this is to ask your previous insurer for a reference. This way, your prospective insurance provider will have proof that you’ve held a policy before and successfully made payments on time.

Your postal code - Insurance companies also rely on postal code regions to price auto insurance. Some postal code regions pay more for insurance than others because customers within that region have filed more claims.

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 the Northwest Territories?

The average price of insurance in the Northwest Territories is lower than most Canadian provinces. This doesn’t mean that an affordable car insurance rate is easy to find. Furthermore, it’s never a good idea to use an average to estimate your insurance costs. Insurance is such a highly-customized product, so your rate will be specific to you and your circumstances.

Many drivers find their way to our site because they are looking for a car insurance calculator for Northwest Territories rates to tell them exactly how much they may have to pay. Unfortunately, it’s just not that simple.

While it may be tempting to get a quick calculation, it’s unlikely that this will actually represent what you’ll pay in car insurance premiums. We recommend spending a few minutes to complete a full car insurance quote instead. An auto insurance quote on will take into account the things that a calculator won’t — like your driving history, your age and your location. Furthermore, completing a quote on means you’ll be shown the best rates for car insurance in the Northwest Territories. What you see is what you’ll pay.

Will auto insurance rates in the Northwest Territories go down anytime soon?

Even though Northwest Territories residents pay less for car insurance than most of Canada, they’re still subject to rising fees. Unfortunately, rates in the NWT have been trending upwards recently, which is all the more reason to compare the market to find a great deal.

Is auto insurance required in Northwest Territories?

Yes. You're required to obtain a minimum mandatory level of insurance coverage in Northwest Territories.

What is the minimum requirement for auto insurance in Northwest Territories?

Third-party liability insurance in Northwest Territories: As in other Canadian provinces and territories, residents of the Northwest Territories must carry at least $200,000 in third party liability insurance in order to legally operate a vehicle. This type of insurance covers any injury or death caused to others if you get into a car accident, as well as property damage.

Uninsured motorist coverage in Northwest Territories: Despite it being mandatory to carry an auto insurance policy to drive in Canada, not everyone follows the rules. This type of insurance coverage will cover you if you’re in an accident with an uninsured driver.

Accident benefits coverage in Northwest Territories: If you’re ever in a car accident (and we hope you’re not), it’s likely you’ll sustain some sort of injury. Accident benefits insurance covers your medical bills if you’re injured in a crash, whether or not you’re at fault.

No-fault insurance in Northwest Territories: Now, this isn’t a type of insurance you can buy, but rather, it’s a type of auto insurance regulatory system. Like many other provinces and territories, the Northwest Territories has a no-fault insurance system. This means that you’re required to go through your insurance company first for all claims before bringing a lawsuit. However, in the Northwest Territories, the driver who’s not at fault is allowed to sue the at-fault driver for any expenses or damages not covered by their accident benefits insurance.

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

Collision coverage in Northwest Territories: This covers damages sustained to your vehicle from a collision. For example, if your car is damaged in a crash with another vehicle or a stationary object.

Comprehensive coverage in Northwest Territories: There are countless other things that can happen to your car that have nothing to do with driving. Comprehensive coverage covers all of these events. These might include theft, vandalism or damage from flooding or falling trees.

Specified perils insurance in Northwest Territories: This type of insurance will only cover the financial losses from perils you specifically select. Some of these might include fire, flood, theft, explosions, and a number of other things.

All-perils insurance in Northwest Territories: Lastly, all-perils insurance is another type of optional car insurance for Northwest Territories drivers. This insurance is a combination of collision and comprehensive, and also covers you if someone who services your car steals or damages it.

Here are some types of insurance that are available elsewhere in Canada which are not available in Northwest Territories.

Direct compensation property damage insurance in Northwest Territories: Drivers in Northwest Territories are also required to hold direct compensation property damage (DCPD) coverage. This covers damages caused to your 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.

What kind of auto insurance system does Northwest Territories have?

The Northwest Territories operates on a hybrid no-fault system. This means that, although your car insurance plan includes third-party liability coverage, you can still sue someone for damages above and beyond the standard no-fault benefits. To sue another driver, that driver must be found at-fault.

What is the penalty for driving without insurance in the Northwest Territories?

If you're convicted of driving without insurance in the Northwest Territories, you'll be facing a fine of up to $50,000. Repeat offenders could also face jail time.

What is the minimum legal driving age in Northwest Territories?

You need to be at least 15 to apply for the first stage But getting a full licence in the Northwest Territories is a three stage process:

Stage 1 (Class 7): To earn your stage 1 licence level in the Northwest Territories, you must successfully pass a vision test and a written rules of the road test. You're required to stay at this stage for 12 months.

How do I get a probationary licence in the Northwest Territories?

Stage 2 (Class 5P): After holding your stage 1 licence for 12 months, suspension-free, you're eligible to take the stage 2 road test. Once you successfully complete this test, you'll get your stage 2 licence. But, just as in stage 1, you have to stay in this stage for another 12 months.

How do I get a full licence in the Northwest Territories?

Stage 3 (Full Class 5): After holding your stage 2 licence for 12 months without any suspensions, you're eligible for your full stage 3, Class 5 licence.

Jessica Vomiero

Jessica Vomiero

About the Author

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

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