Compare Northwest Territories car insurance quotes

Q: How much is car insurance in NWT?

The average cost of car insurance in Northwest Territories is under $1,000 per year. Pricing auto insurance is done using many factors including your age, type of car, and driving history. To get the cheapest price, you should compare car insurance quotes online to see which insurer favours your driving skillset.

Q: Is your insurance combined with your drivers licence in NWT?

No, you need to get insurance before you can operate a vehicle in Northwest Territories.

Q: Do I need auto insurance in Northwest Territories?

Yes, everyone in Northwest Territories who drives a car is required to buy auto insurance. There are mandated minimums, but most people choose to increase these minimums for less risk.

Q: Why does car insurance in Northwest Territories cost so much?

Car insurance premiums are a modest cost compared to the claim payouts. That said, the number of claims, the cost of those claims, fraud, and theft all play a major role in determining the average car insurance rate.

Q: Do I need winter tires in Northwest Territories?

No, but it is recommended for safe driving and can save you money in car insurance.

Q: Is roadside assistance required in Northwest Territories?

No, but it’s a great for peace of mind in case of a battery failure, tire puncture, or you need a tow. CAA AMA covers the Northwest Territories memberships start at $86/year.

Q: How long do driving offences stay on my record in NWT?

Northwest Territories operate on a demerit point system. If you earn 12 demerit points your license can be suspended. Points for any offence are automatically removed two years after the date of conviction.

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How car insurance in the Northwest Territories works

Matt Hands, VP, Insurance and MoneySense

November 23, 2023

In the Northwest Territories (NWT), car insurance is mandatory and is provided by private insurance companies, which can be purchased either direct or through a broker.

The Office of the Superintendent of Insurance supervises, regulates and enforces auto insurance across the territory.

Northwest Territories operate under a no-fault insurance system, where it doesn't mean you can't be found at fault, but that you only ever deal with your insurance provider to resolve an insurance claim.

NWT car insurance is available with both mandatory coverage and optional coverages.

Mandatory auto insurance coverage includes:

Third-party liability
Accident benefits
Uninsured automobile insurance

Optional NWT auto insurance coverage includes:

Collision insurance
Comprehensive car insurance
Specified perils
All perils

Average cost of Northwest Territories car insurance

The average cost of car insurance in NWT for 2020 is just under $1,000 per year.

Due to the territory’s recent rising auto insurance costs, it is imperative to compare car insurance quotes to ensure you’re getting the best policy to suit your needs. In fact, citizens of Northwest Territories are encouraged to compare auto insurance rates and consult with industry experts before finalizing their car insurance policy. Informed consumers help to create a more competitive market, which often leads to both better rates and service from car insurance providers.

Mandatory coverage for auto insurance in Northwest Territories

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

Third-party liability

Accident benefits

Uninsured motorist

Optional car insurance coverage in Northwest Territories

You can personalize your coverage with these common additions that protect your car.

Collision insurance

Comprehensive insurance

Emergency roadside assistance

Specified perils

All perils

Are you getting the best price for Northwest Territories auto insurance?

In less than five minutes, you can compare multiple car insurance quotes from Northwest Territories's top providers, for free.

How to get cheap car insurance in Northwest Territories

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

How to get an Northwest Territories driver's licence

Once you’re 15 years of age, you can apply for a learner’s license in the Northwest Territories. To earn a full license, you must complete a three-stage program, as follows:

Learner's licence Class 7/Stage 1 license phase (or level one) eligibility criteria:

Class 5P or Stage 2 licence (or level two) eligibility criteria:

Full Class 5 or Stage 3 licence (or level three) eligibility criteria:

Are you looking for the best Northwest Territories home insurance rate?

In less than 5 minutes, you can compare multiple home insurance quotes from Canada's top providers for free. Comparing rates online could save you hundreds of dollars.

Frequently asked questions about NWT auto insurance

How much is car insurance in NWT?

Is your insurance combined with your drivers licence in NWT?

Do I need auto insurance in Northwest Territories?

Why does car insurance in Northwest Territories cost so much?

Do I need winter tires in Northwest Territories?

Is roadside assistance required in Northwest Territories?

How do I report a car accident and file a claim in NWT?

First make sure everyone is ok. If safe to do so, move your car away from traffic. Call the police is injuries are present or if property damage is severe. Call your insurance broker or the company from where you purchased your car insurance. It can be found online or on your insurance slip often kept in the glove box. Most insurers are available 24 hours a day for claims. Be as detailed as possible when speaking with them and include all the information you have on hand including car make, license plate, driver’s license information, and your account of what happened. Take photos if possible.

How long do driving offences stay on my record in NWT?

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 full bio

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