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Compare Halifax Car Insurance Quotes

Get personalized car insurance quotes from Canada's top providers in less than 5 minutes, for free.

How to compare car insurance quotes with Ratehub.ca

  1. Share information

    Tell us a little about yourself and your auto coverage needs.

  2. Compare quotes

    We instantly show you auto insurance quotes from top Canadian providers.

  3. Save money

    Choose your quote and secure your car insurance rate online.

How car insurance in Halifax works

Matt Hands

Halifax is the capital of Nova Scotia and its most populated city at more than 400,000 people. This major business centre for the east cost of Canada is also steeped in history with its hilltop Citadel that served to protect Canada in the late 1800’s.

Now the city is modernized and is a fantastic tourist destination. Tourism can bring a lot of cars on the roads which can drive premiums up. At Ratehub.ca, we help the people of Halifax shop for the best car insurance rates in just minutes to suit their budget and preferences.


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

Halifax operates in a no-fault insurance system. No-fault means you only ever deal with your own insurance company for a claim or following an accident. 

Nova Scotia car insurance is provided by private insurance carriers and is regulated by the Nova Scotia Utility and Review Board (NSUARB). NSUARB ensures an insurer can't raise rates without prior approval from them. It's also where you can file a complaint about your provider. 

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

Mandatory Halifax auto insurance coverage includes:

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

Optional Halifax car insurance coverage includes:

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

Also available in any city in Nova Scotia are Standard Endorsement Forms (SEF) which are coverage enhancements. Here are 5 common Halifax 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

Your lowest Halifax car insurance quote is just minutes away

  • Step 1: Share some information

    Tell us a little about yourself and your auto insurance needs

  • Step 2: Compare the rates

    We instantly show you dozens of quotes side-by-side from top providers

  • Step 3: Save money

    Choose your quote and secure your new rate online or via one of our licensed agents

Mandatory coverage for auto insurance in Halifax

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.

Third-party liability


Accident benefits


Uninsured motorist


Direct compensation property damage


Compare Halifax insurance quotes and uncover the savings

In less than 5 minutes, you can compare multiple quotes from Halifax's top auto insurance providers, for free.

Optional coverage for auto insurance in Halifax

The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.

Collision insurance


Comprehensive


Emergency roadside assistance


Specified perils


All perils


How much is car insurance in Halifax?

The average cost of car insurance in Nova Scotia is just shy of $1,100 per year, or about $90 per month. Could you be paying less? Let's find out.

Insurance companies in Halifax

Direct insurance companies in Halifax

Company Address Phone
Allstate 117 Kearney Lake Rd #14, Halifax, NS B3M 4N9 (902) 701-3026
CAA 6021 Young St #115, Halifax, NS B3K 2A1 (902) 443-5530
Co-operators 276 Bedford Hwy #103, Halifax, NS B3M 2K6 (902) 457-4457

Direct insurance companies are experts on their insurance products, but don't compare the market to give you the best rate. If you compare insurance quotes online with us, we give you quotes from Canada's top insurers and allow you to select your best rate. After you select the cheapest quote, we connect you with an insurance broker in Halifax to finalize the policy. 

Our Halifax insurance broker partner

(4.5 stars, 188 reviews on Google)

Cheep Insurance (902) 463-1675

Factors that impact your Halifax car insurance rates

It pays to shop around to find cheap car insurance in Halifax. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Halifax:

Driver demographics


Where you live


Vehicle type


Driving history


Driving activity


Type of insurance coverage


Applicable discounts


A few things we're proud of

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    young

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    better choices made

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How to get cheap car insurance in Halifax

  1. Shop and compare

    Research which company provides cheap car insurance in Halifax, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Halifax car insurance quotes with us is free.

  2. Stay with your current insurer

    Some Halifax car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.

  3. Bundle your policies

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.

  4. Get a multi car discount

    If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.

  5. Increase your deductible

    Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.

  6. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Halifax car insurance

  7. Pay premiums annually, instead of monthly

    Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.

  8. Maintain a good driving record

    If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.

  9. Install winter tires

    You can save up to 3-5% simply by adding winter tires to your car.

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Ready to compare car insurance in Halifax?

You're just a few clicks away from all the potential savings that could come with discovering your best car insurance rate.

Frequently asked questions about Halifax car insurance

What's the process for Halifax car insurance claims?


How does Halifax car rental insurance work?


What are the best car insurance companies in Halifax?


How can I get high-risk car insurance in Halifax?


Do I need winter tires in Halifax?


Is roadside assistance required in Halifax?


Why is car insurance cheaper in Halifax?


How long do driving offences last on my driving record in Halifax?


Matt Hands, Business Director of Insurance

With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read more

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