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October 15
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When you find the best quote, secure your Yukon auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance in Yukon.

Yukon drivers are lucky to pay some of the lowest car insurance rates in Canada. But, that doesn’t mean cheap car insurance is easy to find. Before you get behind the wheel in Yukon, make sure you have the right car insurance policy.

If you’re wondering how to get cheap car insurance in Yukon, we have the solution. makes the search easy by finding you the best rates from insurance providers in Yukon.

Just enter your postal code now to begin a quote. Once you select your best rate, we’ll connect you with an insurance broker or agent to lock in your new policy.

Filling out a quote only takes three minutes and it’s no-obligation. It’s the most convenient way to shop for car insurance. That’s why more and more drivers in Yukon are going online to get auto insurance quotes.

As you start your search, it's important to understand how car insurance works in Yukon and how you can get the best policy at the lowest price. Below you'll find some tips and other important information on driving in this territory, so you'll be well informed as you shop for your policy.

How do Yukon car insurance rates compare to other provinces?

Next to Quebec, Yukon pays the lowest rates for car insurance in all of Canada. The table below illustrates the average cost of car insurance in Yukon and how it compares to other provinces.

Compare the average Yukon 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 Yukon?

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 Yukon: What you need to know.

Who sets the auto insurance rates in Yukon?

Yukon has a private insurance market, which means car insurance companies provide insurance to drivers instead of the government . Therefore, insurance agents and brokers sell Yukon car insurance rates to drivers. Guidelines are provided by the Yukon Highways and Public Works, Motor Vehicles Division.

What factors determine auto insurance in Yukon?

Auto insurance rates in YT are set based on a number of factors. Before giving you an estimate, Yukon car insurance providers will look at several factors. Here’s an example of the factors that determine your car insurance in Yukon:

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

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 Yukon. 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 as your auto insurance. After age 70, though, you might see your rate begin to creep up because people in your age group are statistically more likely to need to file a claim and need longer to recover from an injury. Therefore, car insurance rates for seniors in Yukon, 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 Yukon 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 Yukon, your driving history may become an obstacle to obtaining a cheaper rate. Click here to learn more about high risk car insurance quotes for Yukon 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 Yukon 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 Yukon 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.

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.

How much is car insurance in Yukon?

While the average price of car insurance in Yukon is lower than most Canadians pay, that doesn’t mean affordable car insurance is easy to find. In addition, the average price might not be indicative of what you will be charged.

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

Our recommendation is to spend three minutes filling out a full car insurance quote rather than searching for a quick calculation. Here’s why:

  • An auto insurance quote on will take into account your driving history, your location and other factors that a calculator won’t capture.
  • Furthermore, completing a quote on means you’ll be shown the best rates for car insurance in Yukon — which you can actually secure.

Will auto insurance rates in Yukon go down anytime soon?

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

Is auto insurance required in Yukon?

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

What is the minimum requirement for auto insurance in Yukon?

Here are the types of car insurance that are mandatory in the Yukon.

  • Third-party liability insurance in Yukon: Residents of Yukon are required to carry $200,000 in third-party liability insurance on their vehicles. Within this amount, property damage will be capped at $10,000. This will cover you if someone you’re in a car accident with is injured or dies.
  • Uninsured motorist coverage in Yukon: This type of insurance protects you against injuries you may sustain from an accident caused by a driver without insurance. It can also cover vehicle damages if the uninsured driver can be identified.
  • Accident benefits coverage in Yukon: This type of coverage takes care of your medical bills if you’re injured in a car accident. These costs may also include rehab, income replacement and attendant care. Yukon residents are required to carry this type of insurance.
  • No-fault insurance in Yukon: This type of coverage is required for Yukon residents. It means that you have to deal with your insurance company, for all claims\. However, Yukon does allow a no-fault driver to sue an at-fault driver for any damages and costs not covered by their accident benefits coverage.

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

  • Collision coverage in Yukon: Yukon drivers have the option to add collision coverage to their policy. This type of insurance covers you if your car is damaged in an accident with another vehicle or an object.
  • Comprehensive coverage in Yukon: This type of coverage is also optional for Yukon drivers. Comprehensive insurance protects the car owner against any losses they might suffer, even those not related to driving. These might include theft, vandalism or environmental damage.
  • Specified perils insurance in Yukon: This type of optional insurance covers Yukon drivers for specific perils that they can select. Some available coverages might include theft, weather damage, fire and flooding.
  • All-perils insurance in Yukon: Lastly, all-perils insurance is another type of optional car insurance for Yukon 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 Yukon.

  • Direct compensation property damage insurance in Yukon: Drivers in Yukon are also required to hold direct compensation property damage (DCPD) coverage. This covers damages done to a 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 Yukon have?

Yukon 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 should your damages warrant such action.

In addition to vehicle repairs and property damage, what else will my auto insurance policy cover?

If you get into an automobile accident in Yukon, regardless of who's at fault, your coverage will provide supplementary benefits:

  • $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.
  • Medical coverage: up to $10,000 per person.
  • Hit-and-run coverage: up to $200,000.
  • Funeral expense benefits: $2,000.
  • Disability income at 80% of gross wages: up to $300 per week. This coverage can run up to 104 weeks.
  • Death benefits: $2,000 per dependent, or $10,000 for the head of the household.

What is the penalty for driving without insurance in Yukon?

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

What is the minimum legal driving age in Yukon?

You need to be at least 15 to apply for the first stage learner's licence in Yukon. You also have to pass a vision and knowledge test before you can get your learner's permit. Then there are some restrictions: you must drive with a supervising driver (18 or older) in the front seat and maintain a BAC of 0.

Other restrictions include a prohibition on driving between 12:00 AM and 5:00 AM and you can only drive with one non-family passenger in your vehicle. Learners also have to display an official 'L' sign on their vehicle whenever they drive.

How do I get a novice licence in Yukon?

To obtain a novice licence, drivers must be at least 16, hold a learner's permit for 6 months without incident, and pass a road test.

Novice drivers face fewer restrictions than learners, but they still have to maintain a BAC of 0. Novices can drive at night, but they're required to have a supervising driver with them from 12:00 AM to 5:00 AM.

How do I get a full licence in Yukon?

Drivers are awarded a full driver's licence after 18 months of incident-free practice with their novice 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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