Compare Saint John Car Insurance Quotes

Q: How much is car insurance in Saint John, NB?

The average cost of car insurance in Saint John New Brunswick is around $900 per year, or about $75 per month.

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How car insurance in Saint John works

Matt Hands, VP, Insurance

October 5, 2023

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

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.
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.
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 Saint John 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.

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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?

We list several ways to get cheap car insurance in Saint John, but, if you want to get the cheapest, there are even more methods. For one, go to the minimum. Instead of a default $1 million in third party liability, you can choose to only get $200,000, that's the same for accident benefits as well. Make sure to drop collision and comprehensive insurance, and any endorsements you may have, too.

But, know with these changes you're exposing yourself to a lot of risk. If you're at-fault in an accident, you'll be paying for all the repairs to your car (or buying a new one) and the repairs, or the replacement, of the other person's car. You'll also be paying to help them recuperate if they were injured in the accident. These costs can add up quickly.

Going "cheap" is not necessarily the recommended, but rather look to find affordable car insurance where you still have the coverage you need at a value price. One final suggestion would be to try usage-based insurance which tracks your driving giving you a more personal car insurance rate.

What are the best insurance companies in Saint John?

The best car insurance companies in Saint John may be Aviva, Intact and CAA. However, just because they're the most popular, doesn't mean that they're the best for you. While our car insurance quoter will give you rates from each of these providers, you may find better rates from other providers listed based on your personal driving profile. A better rate may not be the solution to the "best car insurance companies," but it'll certainly chive you cheaper insurance. If you don't file a claim, you won't ever know if they have good customer service or not.

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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