Compare Nunavut car insurance quotes
Everything you need to know about how car insurance works in Nunavut.
How to compare Nunavut car insurance quotes with Ratehub.ca
Share information
Tell us a little about yourself and your auto coverage needs.
Compare quotes
We instantly show you auto insurance quotes from top Nunavut providers.
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
young
Over 1M
better choices made
Trusted partner
to Canada’s top financial institutions
How car insurance in Nunavut works
Matt Hands, VP, Insurance and MoneySense
Car insurance in Nunavut is run by the government of Nunavut. On April 1, 2013. they took over as the administrator for the territory’s auto insurance. Before that, since 1999, the Northwest Territories had provided these services.
In Nunavut, car insurance is mandatory and available for purchase via private insurance companies and brokers. Nunavut auto insurance uses a no-fault system meaning you only ever deal with your own insurance provider for claims, regardless of who is at fault.
The northernmost territory has instituted standards for mandatory coverage that includes
- Third-party liability - Protects you financially if you injure someone or damage their property with your vehicle.
- Accident benefits - Pays for medical treatments and services if you suffer an injury following a car accident
- Uninsured Motorist - protects you financially if you get into an accident with someone who doesn't have insurance.
Optional Nunavut auto insurance choices you can add to your coverage
- Collision insurance - pays to repair or replace your vehicle after an insurance claim and deductible payment.
- Comprehensive insurance - protects your car from vandalism, theft, or hail, wind, and lightning damage.
- All Perils - Combines both collision and comprehensive, and adds coverage in case someone you know steals your car.
- Specified perils - Name your risk, like flood or fire, and insure against it.
Nunavut auto insurance rates
Drivers in Nunavut pay around the national average for car insurance in Canada. The auto insurance rates are governed by the Department of Economic Development and Transportation. The department will review and report on issues as they relate to car insurance, including why there are increasing claims costs and methods to help reduce these costs.
Due to the territory’s rising auto insurance pricing, it is imperative to compare car insurance quotes to ensure you’re getting the best policy to suit your needs. In fact, citizens of Nunavut are encouraged to compare 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 Nunavut
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 Nunavut
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 Nunavut auto insurance?
In less than five minutes, you can compare multiple car insurance quotes from Nunavut's top providers, for free.
How to get cheap car insurance in Nunavut
Shop and compare
Research which company provides cheap car insurance in Nunavut, 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 Nunavut 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 Nunavut 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 a Nunavut driver's licence
If you're 15 or older, you can apply for a driver’s license in Nunavut from the Motor Vehicles office. Once you’ve passed a few tests, you can apply for a license from any of the Department of Economic Development and Transportation offices.
Learner's permit Class 7 license phase (or level one) eligibility criteria:
Class 5 (or level two) eligibility criteria:
Are you looking for the best Nunavut 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 car insurance in Nunavut
What is the average price of car insurance in Nunavut?
Do I need auto insurance in Nunavut?
Do I need winter tires in Nunavut?
Is roadside assistance required in Nunavut?
How do I file an insurance claim in Nunavut?
How long do traffic violations stay on my driving record in Nunavut?
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
The knowledge bank
A wealth of knowledge delivered right to your inbox.
About Ratehub.ca
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, Ratehub.ca 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.
Ratehub.ca 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 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.
read more about us