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What's unique about Nunavut? Almost everything. Nunavut is the newest, largest, and northernmost territory in all of Canada.

But even in this unmistakable place, you still need a good auto insurance policy.

That's where LowestRates.ca comes in. Our comparison tools make it easy to quickly find the cheapest auto insurance rates from the top insurance companies in Nunavut.

We’ll help you get in touch with the Nunavut auto insurance broker or agent that can lock in your new — lower — rate.

Get started by entering your postal code. In three minutes, you’ll be on your way to finding affordable car insurance in Nunavut.

How do Nunavut car insurance rates compare to other provinces?

Compared to rates in the rest of Canada’s provinces and territories, Nunavut’s car insurance rates fall right in the middle. Its average rates are currently the 7th highest in the country.

Compare the average Nunavut insurance rate to other provinces:

ProvinceAverage
Yearly Rate 1
Ontario$1,505
British Columbia$1,832
Alberta$1,316
Newfoundland &
Labrador
$1,168
Manitoba$1,140
Northwest
Territories
$978 2
Nunavut$963 2
ProvinceAverage
Yearly Rate 1
Yukon$812 2
Nova Scotia$891
Saskatchewan$1,235
New Brunswick$867
Prince Edward
Island
$816
Quebec$717

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 Nunavut?

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.

What you need to know about auto insurance in Nunavut.

Who sets auto insurance rates in Nunavut?

Nunavut has a privatized auto insurance market and the auto insurance rates are regulated by the Nunavut Department of Economic Development and Transportation.

What factors determine car insurance rates in Nunavut?

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

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

How much is car insurance in Nunavut?

In Nunavut, using a car insurance calculator to estimate the cost of your premiums might not provide the most accurate results. 

Why? Because there's no one-size-fits-all approach to calculating car insurance. It's a complex process. Each insurer looks at a wide range of factors, including the type of car you own, the number of kilometres you drive, where you live and the type of coverage you need when calculating the cost of your car insurance in Nunavut.

We recommend comparing car insurance quotes for free before you commit to one insurance company. If you do, there's no obligation to buy a policy, plus you're assured that the quotes you see are the actual prices that real car insurance companies can offer.  

In three minutes, you can compare Nunavut auto insurance quotes on LowestRates.ca. And that’s how you get the best car insurance in Nunavut.

Will auto insurance rates in Nunavut go down anytime soon?

NU auto insurance premiums have been trending modestly higher recently.

That's why it's so important to compare auto insurance quotes in Nunavut to ensure you're always getting adequate coverage and the best price.

Is auto insurance required in Nunavut?

Yes. You're required to obtain a minimum mandatory level of insurance coverage in Nunavut — $200,000 in third-party liability insurance coverage is mandatory.

What is the minimum requirement for auto insurance in Nunavut?

It's mandatory for drivers to have liability coverage and accident benefits coverage in Nunavut.

Here's what basic coverage in Nunavut includes:

$200,000 in third-party liability insurance: covers both bodily injury and property damage. Within this amount, property damage will be capped at $10,000. Most drivers opt for more than the mandated minimum.

Medical coverage: up to $25,000 per person.

Hit-and-run coverage: up to $200,000.

Uninsured motorist coverage: in Nunavut, this is included with your Accident Benefits.

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: $2,000 per dependant, or $10,000 for the head of the household or their spouse.

Other types of optional coverage include:

Comprehensive coverage: Nunavut drivers with comprehensive insurance are protected from a wide range of incidents except for car accidents or collisions. Examples include vandalism, falling objects, natural disasters and fire damage.

Collision insurance: damage from collisions isn’t covered by comprehensive auto insurance. To cover this, you’ll need to purchase collision insurance in the event of damage to your vehicle caused by a traffic collision with another vehicle or object.

Direct Compensation Property Damage: In Nunavut, direct compensation property damage isn't mandatory.

Specified Perils: protects your car from specified perils such as losses caused by fire, floods, hail or theft.

What kind of auto insurance system does Nunavut have?

Nunavut operates on a hybrid no-fault/tort insurance system. By law, your auto insurance plan carries third party liability insurance, 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 Nunavut?

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

What's the minimum legal driving age in Nunavut?

You need to be at least 15 years old to apply for the first stage learner's licence in Nunavut. Although the legislation is under review, Nunavut is the only province or territory that doesn't make new drivers go through a graduated system to get a full driver's licence.

Getting a full licence is a three-stage process:

Stage 1 (Class 7): To obtain your stage 1 licence level in Nunavut, you have to pass a vision test and a written rules of the road test. You'll then have this licence for 12 months.

How do I get a probationary licence in Nunavut?

Stage 2 (Class 5P): After holding the stage 1 licence for 12 months without any suspensions, you're eligible to take the stage 2 road test. Once you pass, you'll get your stage 2 licence, which you can drive with for another 12 months.

How do I get a full licence in Nunavut?

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

Car insurance in Nunavut for new immigrants

If you’ve recently immigrated to Nunavut, you cannot drive without proper licencing and insurance.

If you have driving experience in another province or country, get proof from your old insurance company. Providing this documentation to your Nunavut auto insurance company can help lower the cost of your premiums. 

 

Car insurance in Nunavut for students

Car insurance for young drivers across Canada is expensive and Nunavut is no exception. Young people pay, on average, the highest insurance premiums of any demographic.

Here are some ways you can trim the price of automobile insurance in Nunavut if you’re a young driver or student:

  • Avoid getting your own car if you can. Instead, opt to get listed as the secondary driver of your parents’ car. Insurance for secondary drivers costs less than it does for the primary driver.
  • Maintain good grades. Insurance companies offer discounts to students who maintain a certain GPA.
  • Take a driver’s education course and show your insurer a certificate of completion. This will help lower your rate.

Ultimately, the best way to find affordable car insurance in Nunavut is to compare quotes online.

Car insurance in Nunavut for seniors

Insured adults between the ages of 50 and 70 can get cheap auto insurance in Nunavut. There are benefits that come with a long driving and car insurance history, the main perk being that the cost of car insurance declines.

Keep in mind that after age 70 you might see your rate begin to increase because people in this age group are statistically more likely to file a claim. If you do see your rates start to climb up, it's time to compare rates online to lock in a better deal.

Car insurance in Nunavut for high-risk drivers

As a high-risk diver, it’s very hard to find a low car insurance price in Nunavut. Having several traffic convictions, or failing to pay your insurance bill, places you in the high-risk category. 

The obvious way to help reduce the cost of your premiums is to maintain a clean driving record and to pay premiums on time. But if you've already been labelled high-risk, there are insurance companies that serve high-risk drivers. You can purchase coverage from the Facility Association, for instance, an insurance pool that's funded by Canadian insurance companies to supply coverage to high-risk drivers who have been denied insurance.

Car insurance for new drivers in Nunavut

Looking for cheap car insurance for new drivers in Nunavut? There’s a good chance you’re going to face higher premiums. That’s because you haven’t acquired enough driving history to prove to insurance companies that you’re a trustworthy driver.

Your first step should be to compare rates among the different car insurance companies in Nunavut.

This will help you secure the right coverage based on your needs and keep you protected if you get into an accident.

Zandile Chiwanza

Zandile Chiwanza

About the Author

Zandile is a Personal Finance Writer at LowestRates.ca. Before joining the team Zandile worked as the content editor for Real Estate Management Industry News. As a self-proclaimed budget warrior, Zandile dedicates most of her time to advocating for financial wellness.

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