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What's unique about Nunavut? Almost everything. Nunavut is the newest, largest, and northernmost territory in all of Canada. Formerly part of the Northwest Territories, Nunavut became a separate jurisdiction in April of 1999.

But even in this unmistakable place, you still need a good auto insurance plan. That's where comes in. Our comparison tools make it easy to quickly find the cheapest auto insurance rates from the top insurers in Nunavut.

How comparing auto insurance works. Hint: It’s free! uses proprietary technology to generate and rank quotes from the top car insurers in Nunavut. Once you select your quote, one of our professional insurance brokers will lock in your rate with the insurer and help you get started with your new policy. Getting a quote takes just minutes and, at the end, you'll know you got the cheapest rate possible.

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What you need to know about auto insurance in Nunavut.

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Who sets auto insurance rates in Nunavut?

Nunavut has a private insurance market, which means insurers set the rates.

What factors determine auto 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 do Nunavut auto insurance rates compare to other provinces?

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

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, 2020, "BC - Better Auto Insurance."

*Source: Insurance Bureau of Canada, 2017 

Will auto insurance rates in Nunavut go down anytime soon?

Auto insurance premiums in Nunavut have been trending modestly higher recently.

How can I get cheap auto insurance in Nunavut?

There are many ways to get cheap car insurance in Nunavut:

  • Use winter tires.
  • Always 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 Nunavut?

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

What is the minimum requirement for auto insurance 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.
  • 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.

What kind of auto insurance system does Nunavut have?

Nunavut operates on a hybrid no-fault system. By law, your auto insurance plan carries 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 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. Getting a full licence in Nunavut 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.

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