Compare Halifax Car Insurance Quotes
Get personalized car insurance quotes from Canada's top providers in less than 5 minutes, for free.
Matt Hands, Business Director, Insurance
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
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
Direct compensation property damage
Compare Halifax insurance quotes and uncover the savings
Emergency roadside assistance
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.
Where you live
Type of insurance coverage
better choices made
to Canada’s top financial institutions
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.
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.
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.
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.
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.
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
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.
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.
Install winter tires
You can save up to 3-5% simply by adding winter tires to your car.
Ready to compare car insurance in Halifax?
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 started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.
We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.
How does Ratehub.ca make money?
Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.
Auto insurance basics
Auto insurance types
Provincial car insurance
Regional car insurance
- Toronto car insurance
- Ottawa car insurance
- Mississauga car insurance
- Brampton car insurance
- Oakville car insurance
- Hamilton car insurance
- Calgary car insurance
- Edmonton car insurance
- Oshawa car insurance
- Lethbridge car insurance
- Fort McMurray car insurance
- Medicine Hat car insurance
- Red Deer car insurance
- Burlington car insurance
- Windsor car insurance
- Vancouver car insurance
- Kitchener car insurance
- London car insurance
- Markham car insurance
- Moncton car insurance
- Montreal car insurance
- Oshawa car insurance
- Peterborough car insurance
- Regina car insurance
- Saskatoon car insurance
- St. John's car insurance
- Sudbury car insurance
- Thunder Bay car insurance
- Victoria car insurance
- Waterloo car insurance
- Windsor car insurance
- Winnipeg car insurance
- Saint John car insurance
- Kelowna car insurance
- Kingston car insurance
- Halifax car insurance
- Guelph car insurance
- Grande Prairie car insurance