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Compare Saint John Car Insurance Quotes

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How car insurance in Saint John works

Saint John is a coastal city in New Brunswick on the Bay of Fundy. It's the second most populated city in the province behind only Moncton. Route 7 connects Saint John to Fredericton, and Route 1 (the main highway) connects to Moncton.

There are two main bridges that cross over the Saint John river and they are the Harbour Bridge and the Reversing Falls Bridge – a major tourist attraction. Saint John is also home to Canada’s oldest independent beer manufacturer, Moosehead Brewery. 


To get the best car insurance in Saint John, it's vital to understand how it works. 

Saint John operates in a no-fault insurance system. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident.  In other words, you only ever deal with your own insurance company for a claim or following an accident. 

Car insurance in New Brunswick is provided by private insurance carriers and is regulated by the Financial and Consumer Services Commission of New Brunswick (FCNB). FCNB ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records. 

Available Saint John car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory Saint John auto insurance coverage includes:

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

Optional Saint John car insurance coverage includes:

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

Also available in any city in New Brunswick are Standard Endorsement Forms (SEF) which are coverage enhancements. Here are 5 common New Brunswick auto endorsements. 

  • SEF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
  • SEF 27 - Ports your existing insurance to a rental car or car you borrow
  • SEF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
  • SEF 43 - Removes depreciation in calculating the value of your car when settling a claim
  • SEF 44 - Extends TPL coverage to your family following an accident with an uninsured motorist

Mandatory coverage for auto insurance in Saint John

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

Third-party liability


Accident benefits


Uninsured motorist


Direct compensation property damage


Optional coverage for auto insurance in Saint John

The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.

Collision insurance


Comprehensive


Emergency roadside assistance


Specified perils


All perils


Compare Saint John insurance quotes and uncover the savings

In less than 5 minutes, you can compare multiple quotes from Saint John's top auto insurance providers, for free.

Factors that impact your Saint John car insurance rates

It pays to shop around to find cheap car insurance in Saint John. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Saint John:

Driver demographics


Where you live


Vehicle type


Driving history


Driving activity


Type of insurance coverage


Applicable discounts


How to get cheap car insurance in Saint John

  1. Shop and compare

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

  2. Stay with your current insurer

    Some Saint John 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 Saint John 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.

Ready to compare car insurance in Saint John?

You're just a few clicks away from all the potential savings that could come with discovering your best car insurance rate.

Frequently asked Saint John car insurance questions

How much is car insurance in Saint John, NB?


How can I get the cheapest car insurance in Saint John, NB?


What are the best insurance companies in Saint John?


Matt Hands, VP 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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