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Compare car insurance in Nova Scotia

Get personal Nova Scotia car insurance quotes from some of Canada's top auto insurance companies, for free.

How car insurance in Nova Scotia works

Nova Scotia auto insurance is a requirement for all drivers, much like the rest of Canada, but there are some provincial differences in coverage requirements.

To begin, Nova Scotia operates in a no-fault insurance system. No-fault means you deal with your own 

Nova Scotia auto insurance is provided by private insurance carriers and is regulated by Nova Scotia's Office of the Superintendent of Insurance. They ensure complaints against insurers are dealt with.

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

Mandatory Nova Scotia auto insurance coverage includes (full descriptions below)

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

Optional Nova Scotia car insurance coverage include (full descriptions below)

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

There are also Standard Endorsement Forms (SEF) which are available as add-ons to your existing coverage through your insurer. Here are 3 common Nova Scotia endorsements that can help save you money. 

  • SEF 13C - waives the driver's right to claim glass breakage
  • SEF 19 - Insures your car for its actual cash value (including depreciation), not its replacement cost 
  • SEF 40 - Charges a deductible if your car catches fire or is stolen. 

Auto Insurance Quotes

How to compare Nova Scotia auto insurance quotes on

  • Step 1: Share some information

    Tell us a little about yourself and your car insurance 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 Nova Scotia auto insurance rates work

Any car insurance rate increases in Nova Scotia requires approval from the Nova Scotia Utility and Review Board (NSUARB). 

NSUARB ensures all Nova Scotia drivers’ auto insurance rates are fair and reasonable. Even though drivers in Nova Scotia pay some of the lowest car insurance rates in Canada, it still makes sense to compare car insurance quotes to make sure you’re getting the best deal.

Informed consumers help to keep rates competitive and as a citizen of Nova Scotia, the government encourages you to compare, consult, and select your coverage by getting auto insurance quotes from multiple providers. Competition often leads to both better rates and service from auto insurers.

Reforms in car insurance have led to Nova Scotia’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.

Mandatory coverage for auto insurance in Nova Scotia

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

Direct Compensation Property Damage (DCPD)

Are you getting the best price for Nova Scotia auto insurance?

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

Optional car insurance coverage in Nova Scotia

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

Collision insurance

Comprehensive insurance

Emergency roadside assistance

Specified perils

All perils

How to get cheap car insurance in Nova Scotia

  1. Shop and compare

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

  2. Stay with your current insurer

    Some Nova Scotia auto 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 Nova Scotia 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 5% simply by adding winter tires to your car. Unless you're in Quebec, where it's mandatory.

How to get a Nova Scotia driver's licence

Nova Scotia 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 throughout the province of Nova Scotia and the rest of Canada. To drive a commercial 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 learner's licence (or level two) eligibility criteria:

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

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Frequently asked questions about car insurance in Nova Scotia

How much is car insurance in Nova Scotia?

Are winter tires mandatory in Nova Scotia?

Can I get short term car insurance in Nova Scotia?

Can I register a vehicle in Nova Scotia without insurance?

Can parking tickets affect your insurance in Nova Scotia?

How do I file a claim in Nova Scotia?

How long do driving offences last on my driving record in Nova Scotia?

Author Bio

Matt Hands, Business Director of Insurance

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’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.

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