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Compare St. John's Car Insurance Quotes

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How car insurance in St. John's, NL works

Matt Hands

On the most eastern point in Canada, you’ll find St. John’s, Newfoundland. Located at the end of the Trans-Canada Highway, the city plays host to over 100,000 residents living in a town known for its "jelly bean" coloured houses.

It's the oldest city in North America and named after John the Baptist who is believed to have sailed into the harbour in 1497. Water Street is considered the oldest street in North America and today it plays an important role for the city’s business community. 

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

St. John's operates in a no-fault insurance system. No-fault means you only ever deal with your own insurance company for a claim or following an accident. 

Car insurance in Newfoundland is provided by private insurance carriers and is regulated by the Digital Government and Service NL. They ensure 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 St. John's car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory St. John's auto insurance coverage includes:

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

Optional St. John's car insurance coverage includes:

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

Also available in any city in Newfoundland & Labrador are Standard Endorsement Forms (SEF) which are coverage enhancements. Here are 5 common Newfoundland 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

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Mandatory coverage for auto insurance in St. John's

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

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

Optional coverage for auto insurance in St. John's

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


Emergency roadside assistance

Specified perils

All perils

How much is car insurance in St. John's

The average cost of car insurance in Newfoundland & Labrador is $1,168 per year, or just shy of $100 per month. Could you be paying less? Let's find out.

Factors that impact your St. John's car insurance rates

It pays to shop around to find cheap car insurance in St. John's. 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 St. John's:

Driver demographics

Where you live

Vehicle type

Driving history

Driving activity

Type of insurance coverage

Applicable discounts

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How to get cheap car insurance in St. John's

  1. Shop and compare

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

  2. Stay with your current insurer

    Some St. John's 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.

  6. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper St. John's 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 3-5% simply by adding winter tires to your car.


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Frequently asked questions about car insurance in St. John's

What are the best car insurance companies in St. John's, NL?

How do I get antique car insurance in St. John's?

Who are the best car insurance brokers in St. John's, NL?

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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