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What our users say:

June 2
The staff that spoke with me was patient and professional. She has a good human ...
Gbemisola Eyinfunjowo
May 31
Great service
Great service
Russell Hall
May 27
Quick and easy
Quick and easy, quotes in minutes. Great customer service reps, helpful and know...
May 19
Very simple and quick
Very simple and quick
Shannah B
May 17
Customer service was great
Customer service was great
May 17
Good service and information
Good service and information
May 17
questions answered
questions answered
Aaron Ridsdale
May 16
Excellent customer seevice
Excellent customer seevice
Dave Roach
May 13
Agent listened and answered all…
Agent listened and answered all questions. She was very thorough and quick!
Ben Reginella
May 11
Simply professional and pleasant
Simply professional and pleasant Thank you 👍
Eric Ifrah
May 11
Very polite and explained themselves…
Very polite and explained themselves well
Marilyn Bergeron
May 10
Easy & Professional
Easy, fast, efficient & professional.
May 9
Great service
Great service Very pleasant to talk to
Joesph Vachon
May 8
Fast, friendly and knowledgable service.
I was still completing the online search form for new insurance when my phone ra...
Bonnie Wilson
May 6
Fast and easy
They phoned me literally within 30 seconds after my search and helped answer all...
Haley Adkins
May 5
I got the lowest rates I was looking…
I got the lowest rates I was looking for. Thank you.
Muhammed Ibrahim
April 26
Very little time on hold
Very little time on hold Easy to understand Friendly Really got a great deal
April 26
My consultant Anees took me through the…
My consultant Anees took me through the whole process from my initial call, to r...
April 22
My agent was easy to understand so the…
My agent was easy to understand so the process went well.
Jeffrey Kirkham
April 20
The best deal in insurance. Don’t go it alone you need expert help. are doing what I couldn’t do…
They are doing what I couldn’t do myself. They know exactly where to go to fin...
Graham Watson
April 19
I'm retired so I try to keep my cost down
your agent was very help full
Dominic Zaccaria
April 16
Very affordable auto insurance.
Very helpful representatives and gave me good price on auto insurance. So happy ...
April 13
A great service to connect you with the best rates.
I found the person on the phone to be helpful, courteous and professional. She p...
Rod D
April 13
Quick response
Quick response Friendly people Great price. Very happy
Scott Craggs
April 13
Very nice to talk to and efficient were…
Very nice to talk to and efficient were not in a rush explained everything
Tanya Cox
April 12
Review Hitesh Shriyan
Review Tks. Courteous competent complete.
Françoise Pierre-Pierre
April 11
Amy was fantastic
Amy was fantastic, explaining, asking if we wanted extensions and suggested exte...
Dianne Waudby

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When you find the best quote, secure your St. John’s auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance quotes in St. John’s.

When it comes to fees paid across Canada for car insurance, Newfoundlanders pay the fourth highest rates in the country, which means that cheap car insurance can be hard to find.

In fact, more and more St. John’s, NL residents are turning to price comparison websites like to compare the market for them. That’s because compares over multiple auto insurance providers to find you the cheapest rate.

Luckily, there are lots of auto insurance companies in St. John’s that might be your perfect fit — but you won’t know unless you compare the market.

At you can find the cheapest car insurance prices from St. John’s car insurance brokers and agents in your area — just like that.

Front view of a car. Illustration.

See how our customers in St. John\'s save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 06, 2023
Male, 29 years old
Lowest Rate
Average Rate
Quote from June 06, 2023
Male, 17 years old
Lowest Rate
Average Rate

Focus on

Driving in St. John's.

Most popular cars in St. John’s.

The car you drive can have an impact on how much you’ll pay in car insurance. That’s why we sifted through our data to let you know which cars are the most popular among St. John’s residents.

Popular Brands

  1. Honda
  2. Toyota
  3. Hyundai
  4. Ford
  5. Kia

Who shops for auto insurance quotes in St. John’s?

Car insurance rates are based on a number of other factors, as well. Traditionally, these include your gender, your age and your insurance history. While these won’t impact your insurance premiums in St. John’s (due to provincial regulations that are unique to the rest of Canada) we pulled the data anyway. Here’s a snapshot of who’s shopping for car insurance in St. John’s.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

What can I do to get cheap car insurance in St. John's?

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.

Your questions about St. John’s car insurance, answered.

How much is car insurance in St. John's?

There is no standardized cost for car insurance in St. John's because car insurance is an extremely customized product. Your premium will depend on a number of different factors — some which are in your control and some that are not — including the behaviour of other drivers covered by the same car insurance company in St. John's that you’ve selected. Car insurance calculator tools geared for St. John's drivers require less information, but this also makes them less accurate. Keep reading for more information on how you can roughly estimate your car insurance costs in St. John's.

Which St. John's postal code has the highest average premiums?

The postal code with the highest average automobile insurance price in St. John's is the A1B region, which includes the Memorial University of Newfoundland. Team Gushue Highway runs right through the centre of this Newfoundland region, which also borders Windsor Lake.

Which St. John's postal code has the lowest average premiums?

The lowest prices for car insurance in St. John's, on average, are paid by residents of the A1A region, which encompasses the St. John’s International Airport. The region is also home to a number of parks, the Bally Haly Country Club and Quidi Vidi Lake.

How do St. John's car insurance rates compare to other cities in Newfoundland and Labrador?

St. John's, the capital of Newfoundland, is the largest and most populous city in the region. It’s also the Newfoundland city with the largest number of people searching for car insurance on That doesn’t mean, however, that it’s easy to find a great policy. Here’s a look at which cities in Newfoundland and Labrador pay the most for car insurance (beginning with the most expensive).

  1. Portugal Cove St. Philips
  2. St. John's
  3. Spaniards Bay
  4. Bauline
  5. Shea Heights

The communities who pay the lowest rates for car insurance in Newfoundland and Labrador are:

  1. Clarenville
  2. Channel-Port-Aux-Baux
  3. Happy Valley-Goose Bay
  4. Marystown
  5. Kippens

Residents of Newfoundland and Labrador pay some of the highest car insurance rates in Canada and the highest rates among the maritime provinces.

There’s no doubt that where you live can play an important role in how much you’ll pay for car insurance. However, it’s not the only thing to take into account. Your personal driving and insurance history will influence your rate.

Where do I get the cheapest car insurance quotes in St. John's?

Car insurance is a customized product, which is why this is a difficult question to answer. Because of all the different factors that can come into effect when insurance providers are calculating your rate, there’s no one car insurance company that offers the cheapest rates to all customers.

There are two things working in your favor if you live in St. John’s, though. In Newfoundland and Labrador, insurance providers are barred from including certain factors in the calculation of your rate. These include your driving history, your postal code, your annual mileage and your car.

At the start of 2020, new regulations were put into place to help more residents access affordable car insurance in St. John’s. They aimed to do this through a series of incentives and deterrents. These changes included:

  • Pivoting to a no-fault insurance system. This means that the insurance company for each driver involved in an accident will deal with their own insurance company, regardless of who’s at fault for causing the accident. (In the past, only the insurance company involving the at-fault driver would get involved.)
  • Doubling the deductible policyholders must pay in order to access pain and suffering rewards from $2,500 to $5,000.
  • Enforcing a limit of 120 days to tell your insurance company that you want to make a bodily injury claim.
  • Allowing auto insurance companies to sell usage-based auto insurance plans, where drivers only pay for as much insurance as they need.
  • Requiring auto insurance companies to offer a discount for installing winter tires.

What factors determine my car insurance quotes in St. John's?

Factors that do impact your car insurance rates in Newfoundland and Labrador:

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 St. John’s 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 St. John’s, your driving history may become an obstacle to obtaining a cheaper rate. Click here to learn more about high risk car insurance quotes for St. John’s drivers.

Your postal code: Insurance companies also rely on postal code regions to price auto insurance. Some postal code regions pay more in insurance than others because customers within that region are more likely to file a claim. That includes situations such as theft, vandalism, and collisions.

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.

St. John’s is unique in that the provincial government. forbids insurers from using some factors to determine auto insurance premiums — factors that are standard criteria in most provinces.

Factors that don’t impact your car insurance rates in St. John’s:

Your age: Unlike other provinces, car insurance for young drivers in St. John’s will not be more expensive than for other drivers. Car insurance prices in St. John’s are not tied to age, unlike the rest of Canada, where rates 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 St. John’s can be easier to find than in other provinces. (Learn more about shopping for car insurance for students in St. John’s.)

This isn’t the only way your age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates. 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, though, seniors in many Canadian provinces might see their rates begin to creep up. People in this age group are more statistically more likely to need to file a claim and need longer to recover from an injury. However, due to provincial policies, car insurance rates for seniors in St. John’s will be no more expensive than residents of other ages.

Your gender: In many cities, your gender also plays a role in determining your auto insurance rates. Men are known to pay more than women for a variety of reasons. In St. John’s, however, insurance companies are not allowed to use this factor, so gender will not apply when calculating insurance rates.

Your insurance history: Missed a car insurance payment? 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 gradually reduce your car insurance costs in St. John’s is to make your payments on time, every month.

However, it’s also important to note that in St. John’s, a lapse in or absence of an insurance history won’t impact your rates. This applies except in the case of licence suspensions and traffic convictions. For example, cheap car insurance rates for new immigrants in St. John’s may be easier to find than in other Canadian provinces.

Other factors that cannot impact your car insurance rates in St. John’s include; your marital status, the age of your car, accidents in which you were not at fault, being previously refused insurance by another company and being insured with the Facility Association (insurance pool funded by car insurance companies that specializes in covering high-risk drivers, i.e., the insurer of last resort).

More tips for reducing your car insurance premiums in St. John’s:

  • Take public transit: Reducing your mileage can be a great way to reduce your car insurance costs. Luckily, St. John's Transit has a fleet of buses that service the city. It also operates the Dartmouth Ferry Service, the oldest saltwater ferry service in North America.
  • Buy snow tires: St. John's gets its fair share of snowstorms. Enhance your safety and the safety of others by investing in a quality set of snow tires. Plus, you may get an insurance discount from your provider.
  • Be a safe driver: St. John’s — for all its charms — can be difficult to navigate. This is why getting to know the roads is the ticket to being safe driver, which can reduce your insurance rates over time. First off, watch those one-way streets. There's a lot of one-way streets down by the waterfront in St. John's, so stay alert and pay attention to street signs. In addition, make sure to yield at the Armdale Traffic Circle. The Armdale Traffic Circle gets traffic from five different roads: Herring Cove Road, St. Margaret's Bay Road, Joseph Howe Drive, Chebucto Road, and Quinnpool Road on the peninsula. Cars entering the circle have to yield to those already inside it.
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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