Skip to main content
Ratehub logo
Ratehub logo

Compare Northwest Territories car insurance quotes

Get personal Northwest Territories auto insurance quotes from some of the Canada's top insurers, for free.

How to compare Northwest Territories car insurance quotes with

  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 Northwest Territories providers.

  3. Save money

    Choose your quote and secure your car insurance rate online.

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

How car insurance in the Northwest Territories works

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

  1. 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.

  2. 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.

  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.

  1. 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.

  2. 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.

  3. 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.

  4. 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?

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

Matt Hands, Business Director of Insurance

With 6+ years of experience at, 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

Learn more about insurance

read more articles

The knowledge bank

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does 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.

read more about us