Compare car insurance quotes in the Northwest Territories for free.

On average, Northwest Territories drivers save hundreds of dollars per year by comparing quotes with us.

Get 30+ quotes in 3 minutes.

Compare car insurance quotes to get the lowest rates in the Northwest Territories.

Whether you're driving to Yellowknife or cruising through Nahanni National Park, there's no denying that the Northwest Territories is enchanting. But drivers in the Northwest Territories deal with an uncommon set of challenges: frigid weather, limited daylight for part of the year, and lots of wildlife. They also have to dodge high auto insurance premiums, and that's where comes in.

We make it quick and easy to find the cheapest auto insurance rates from all the top insurers in the Northwest Territories. But before you start searching, learn more about how car insurance works in the Northwest Territories and how you can get the best policy at the lowest price. Find tips and key information on driving in the Northwest Territories below and stay informed as you shop for your policy.

How comparing auto insurance works. Hint: It’s free!

Insurance comparison sites, like, take your driver information and use proprietary technology to generate and rank the best quotes from the top car insurers. Once you select your quote, one of our professional insurance brokers will lock in your rate with the insurer of your choice and help you set up your new policy. The entire process takes minutes. Not only will you save time and money, you'll also have the satisfaction of knowing you got the cheapest car insurance rate available.

Enter your information

Enter your information.

Compare quotes

Compare 30+ quotes in less than 3 minutes.

Purchase your policy

Secure your rate by talking to a licensed broker.

What you need to know about auto insurance in Northwest Territories.

Looking for more auto insurance info? Check out our Help Centre.

Who sets auto insurance rates in the Northwest Territories?

The Northwest Territories has a private insurance market, which means individual insurers set rates.

What factors determine auto insurance rates in the Northwest Territories?

Auto insurance rates in the Northwest Territories are determined by a variety of factors:

  • Driving record
  • Type of vehicle
  • Age and gender
  • Amount of coverage selected
  • Use and location of your vehicle
  • Number of years behind the wheel

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

Auto insurance in the Northwest Territories is fairly cheap compared to the majority of the country. The territory currently ranks 7th for the highest average auto insurance rates in Canada.

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

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

Auto insurance premiums in the Northwest Territories have been trending modestly higher recently.

How can I get cheap auto insurance in the Northwest Territories?

There are many ways to get cheap car insurance in the Northwest Territories:

  • Use winter tires
  • Pay premiums on time
  • Maintain a good driving history
  • Choose the right insurance coverage
  • Compare quotes online at
  • Complete a certified driver training program
  • Insure all your vehicles with the same company
  • Bundle your home insurance with your auto insurance

Is auto insurance required in the Northwest Territories?

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

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

Basic coverage in the Northwest Territories includes the following:

  • Third-party liability insurance ($200,000): covers both bodily injury and property damage. Within this amount, property damage will be capped at $10,000. Most drivers opt for more coverage than the mandated minimum.
  • Medical coverage: up to $25,000 per person.
  • Hit-and-run coverage: up to $200,000.
  • Funeral expense benefits: up to $1,000.
  • Disability income at 80% of gross wages: up to $140 per week. This coverage runs for up to 104 weeks.
  • Death benefits: up to $2,000 per dependent, or $10,000 for the head of the household or their spouse.

What kind of auto insurance system does the Northwest Territories have?

The Northwest Territories operates on a hybrid no-fault system. Your auto insurance plan includes third-party liability coverage, but you can still sue an at-fault party for additional compensation in excess of the standard no-fault benefits if your damages warrant such action.

What are the penalties for driving without insurance in the Northwest Territories?

If you're convicted of driving without insurance in the Northwest Territories, you'll face a fine of $500 to $50,000. Repeat offenders could face jail time.

What's the minimum legal driving age in the Northwest Territories?

You need to be at least 15 years old to apply for your learner's licence in the Northwest Territories.

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.

Auto insurance news

Read More Like This