Compare Fredericton Car Insurance Quotes

Fredericton is the capital of New Brunswick and the third most populated city in the province. While there is a good public transit system covering most of the city and over 45km of on-street bicycle lanes, there is no rail service connecting the Atlantic province to the rest of Canada.

That means more people are in cars to get in, out, and around the city.

The two main bridges - the Westmoreland Street Bridge and the Princess Margaret Bridge, that cross over the Saint John River are often congested with traffic. There are also several initiatives to curb speeding in and around the city including speed bumps and roundabouts. No matter where you are on the road, at Ratehub.ca, we help the people of Fredericton shop for the best car insurance rates in just minutes to suit their budget and preferences.

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To get the best car insurance in Fredericton, it's vital to understand how it works. 

Fredericton operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident.  In other words, you only ever deal with your own insurance company for a claim or following an accident. 

New Brunswick auto insurance is provided by private insurance carriers and is regulated by the Financial and Consumer Services Commission of New Brunswick (FCNB). FCNB ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records. 

Available Fredericton car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory Fredericton auto insurance coverage includes:

• Third-party liability (TPL)
• Accident benefits 
• Uninsured automobile insurance
• Direct Compensation Property Damage (DCPD)

Optional Fredericton car insurance coverage includes:

• Collision insurance
• Comprehensive car insurance
• Specified perils
• All perils

Also available in any city in New Brunswick are Standard Endorsement Forms (SEF) which are coverage enhancements. Here are 5 common New Brunswick auto endorsements. 

• SEF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
• SEF 27 - Ports your existing insurance to a rental car or car you borrow
• SEF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
• SEF 43 - Removes depreciation in calculating the value of your car when settling a claim
• SEF 44 - Extends TPL coverage to your family following an accident with an uninsured motorist