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Compare Nunavut car insurance quotes

Everything you need to know about how car insurance works in Nunavut.

How car insurance in Nunavut works

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. 

Auto Insurance Quotes

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  • Step 3: Save money

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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

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

  1. 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 Nunavut car insurance with us is free.

  2. Stay with your current insurer

    Some Nunavut 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 Nunavut 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 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:

What is the average price of car insurance in Nunavut?

The average annual cost of auto insurance in Nunavut is $963. Are you getting the best rate for your auto insurance policy?

FAQ

Frequently asked questions about 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?

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 Ratehub.ca’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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