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Compare New Brunswick car insurance quotes

Shop the market and compare personalized car insurance quotes online from New Brunswick's top providers. It only takes a few minutes to unlock your savings.

Recent car insurance quotes from New Brunswick drivers

Thousands of drivers turn to us each week, looking to save big on their insurance policies. Just as we’ve helped them compare the market with ease, we can help you too. By shopping the market for quotes you can unlock your cheapest rates, see below how other New Brunswick drivers have shopped and saved with us. Find out how much you can save today by requesting a free quote.

  • $257 monthly

    Moncton, NB

    for a 23-year-old male, driving a 2020 Ford Fusion SE

  • $143 monthly

    Mcleod Hill, NB

    for a 53-year-old male, driving a 2004 Chevrolet Silverado

  • $175 monthly

    Douglas, NB

    for a 30-year-old female, driving a 2021 Hyundai Elantra

How to compare car insurance quotes on Ratehub.ca

  • Step 1: Share some information

    Tell us a little about yourself and your coverage needs

  • Step 2: Compare quotes

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

  • Step 3: Save money

    Choose your quote and secure your insurance rate online, or via one of our licensed brokers

How car insurance in New Brunswick works

For all New Brunswick drivers auto insurance is mandatory and is purchased through a private marketplace. Consumers have the choice to deal directly with the insurance companies and their agents or to work with an insurance broker to select their policy. The benefit of a private marketplace is choice - which is why we recommend that all drivers compare the market before choosing to purchase.

New Brunswick auto insurance also operates within no-fault system, which essentially means you deal directly with your own insurance company for any claims and not that you can't be found at fault. Ontario auto insurance would be another example of a no-fault system. This system is regulated by the New Brunswick Insurance Board and the Financial and Consumer Services Commission, who help to ensure a fair marketplace exists for consumers.


What you need to know aboutNew Brunswick auto insurance coverage:

There are four mandatory coverages you need to insure a vehicle in New Brunswick by law and none of them actually protect the vehicle, rather they exist to protect drivers and potential victims after an incident. The mandatory coverages include:

To get the best car insurance in New Brunswick, you can enhance your policy with optional coverages that are designed to protect your vehicle, such as: 

To further customize your auto policy, drivers can opt to add on standard endorsement forms (SEF) that provide coverages for specific situations like:

  • SEF16 - if you want to put your car insurance on hold. 
  • SEF20 - reimburses you for alternative transportation (e.g. rental) if your vehicle is being repaired as a result of damage or theft.
  • SEF43 - ensure you get the full replacement value of your car back, not the depreciated value if it is ever written off or stolen.
  • SEF44 - provides additional coverage if you or a family member are injured by another driver who does not have enough insurance to pay the injury claim.

Historical New Brunswick car insurance rates

All car insurance rate changes are approved by the New Brunswick Insurance Board (NBIB). NBIB ensures all New Brunswick drivers’ auto insurance rates are fair and reasonable. Even though drivers in New Brunswick pay some of the lowest car insurance rates in Canada, it still makes sense to compare car insurance quotes.

Informed consumers help to keep rates competitive and as a citizen of New Brunswick, they are encouraged to shop around. Competition often leads to both better rates and service from car insurance providers.

Reforms in car insurance have led to New Brunswick’s “First Chance Discount” offering new drivers’ credit for three years of driving experience and increasing to six if the new driver successfully completed a driver education course. This action alone led to significant reductions in car insurance premiums.

How much does auto insurance cost in New Brunswick?

The average cost of car insurance in New Brunswick, is around $1,132 per year - or about $94 per month. If you're paying more than that, consider shopping around and comparing New Brunswick car insurance quotes to see if you can find a better rate. Compared to the other provinces in Canada, auto insurance prices in New Brunswick are about middle of the pack - 6th highest.

Also keep in mind that auto insurance in major urban areas like Fredericton, Moncton, and Saint John will be more expensive than a smaller towns or rural areas with less congestion and lower chances of theft. 

Potential upcoming auto insurance increases for New Brunswick in 2025

A number of high profile insurance companies have lobbied regulators for rate increase of 10 per cent or more, blaming rising vehicle repair costs, car thefts, falling profits and other troubles. If approved, these increases will eventually affect more than 200,000 insured drivers. 

New Brunswick currently has some of the lowest auto insurance premiums in Canada because drivers commit fewer accident claims than most Canadians, but with these potential increases ahead in 2025 and beyond the market is set to change.

The average cost of auto insurance in Canada by province

Find out how much you could save on your New Brunswick auto insurance.

Take a few minutes to compare New Brunswick auto insurance quotes from Canada's top insurers. Comparing the market can save you hundreds of dollars annually.

How to get cheap car insurance in New Brunswick

While market factors play a big role in the cost of your auto insurance, there are still many steps you can take to ensure you're getting the best rate possible. Here, we cover eight different tips for cheap auto insurance in Alberta. 

  1. Shop and compare

    Research which auto insurance companies offers the cheapest premiums. While rates may change over time, comparing Alberta car insurance quotes with us is free.

  2. Stay loyal

    Alberta auto insurance companies tend to give discounts to drivers who remain an active customer for years – especially if there are family members and multiple vehicles on the 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, putting them all on one policy can save you money.

  1. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, you could be eligible for cheaper car insurance – just ask your broker or agent for group rate options.

  2. Pay annual premiums

    Paying auto insurance premiums monthly adds administrative costs to your insurer, so if you’re able to pay annually, you can lower your rate. It also shows the company you're planning to stay loyal.

  3. Maintain a good driving record

    If you’re a safe driver, you can reduce your chances of an accident. Car crashes stay on your insurance record for years and can result in higher premiums.

  4. Install winter tires

    Did you know you can save simply for installing winter tires on your vehicle during off season? Not only that, it'll also make you a safer driver.

New Brunswick car insurance rating factors

There are many individualized factors auto insurance companies look at, in order to determine your personalized quote. Generally speaking, the more risk you bring, the more expensive your policy will be – here are a few factors you should be aware of.

  • Age

    Young drivers tend to pay the highest rates. So while most people don't look forward to growing old, at least cheaper premiums come along with it.

  • Gender

    Men are more commonly involved in car accidents, so they tend to pay higher insurance rates. It might not be fair, but insurers like to limit their risk.

  • Location

    Living in busy, populated cities, such as Edmonton, can impact your insurance rate negatively – you're more prone to collision and theft.

  • Vehicle type

    Vehicles that cost more to repair and replace inevitably come with increased auto insurance rates. The same goes with highly-stolen cars.

  • Driving history

    Traffic convictions will impact your insurance rate negatively. Insurers like to minimize their risk, so drive safely for the best rates possible.

  • Driving behaviour

    More time on the road increases your chances of having to make a claim. So driving less can actually lower your auto insurance rate.

  • License class

    Graduating through the Alberta licensing system – and obtaining your Class 5 – will lead to cheaper auto insurance rates due to the added experience.

  • Vehicle use

    If you use your vehicle for business purposes, you'll most likely need to pay more for insurance. Pleasure-use cars tend to come with cheaper rates.

How to get a New Brunswick driver's licence

To get the cheapest car insurance in New Brunswick, take a driver's ed course while getting your licence. New Brunswick uses a graduated license program (GLP). This system requires each driver to progress through a 3-step educational program in order to be considered a fully licensed driver. Once you’ve successfully completed the program, you can legally operate a car as a class 5 driver. To drive a truck, bus, ambulance or taxi requires a different license class. Let’s take a quick look at graduated license program approach:

Class 7 learner's licence (or level one) eligibility criteria:


Class 7 licence (or level two) eligibility criteria:


Class 5 regular licence (or full license) eligibility criteria:


Frequently asked questions about car insurance in New Brunswick

How do I get the cheapest car insurance in New Brunswick?


Do I need auto insurance in New Brunswick?


Why is car insurance cheaper in New Brunswick?


Do I need winter tires in New Brunswick?


Can I get auto insurance as a high-risk driver in New Brunswick?


Is roadside assistance required in New Brunswick?


How do I file a claim in New Brunswick?


How long do offences stay on my driving record in New Brunswick?


Can I use a digital insurance pink slip in New Brunswick?


Does my credit score impact my auto insurance rate in New Brunswick?