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Compare Yukon car insurance quotes

Get a personal Yukon car insurance quote from Canada's top providers, for free.

How Yukon car insurance works

Yukon car insurance is supervised and regulated by the Office of the Superintendent of Insurance.

Yukon is a no-fault insurance territory, meaning that you only ever deal with your insurance company regardless of who is at fault. 

Car insurance is mandatory in the Yukon and provided by private insurance companies and brokers. The smallest and western-most territory has instituted standards for mandatory coverage. 

The mandatory insurance in Yukon is as follows (more details below):

  • Third-party liability - covers you from costs if you injure someone or damage their property. 
  • Uninsured motorist protection - protects you and your family if you suffer injuries from a driver without insurance. 
  • Accident benefits - covers costs resulting from injuries in a car crash. 

There are also optional coverages you can add to your Yukon car insurance quote, including: 

  • Collision insurance - protects your car if you're at-fault in an accident
  • Comprehensive insurance - protects your car from vandalism, theft, and damage from bad weather. 
  • All perils - Collision, comprehensive, and protection if someone you know steals your car. 
  • Specified perils - Protects you from named risks such as lightning, hail, or flood. 
  • Emergency roadside assistance - Coverage for emergency roadside callouts. 

Finally, you can customize your Yukon insurance policy with endorsements, such as: 

  • Loss of use coverage - pays for a rental car if your car is undriveable
  • Non-owned auto coverage - if you borrow a friends car, this coverage helps pay for damages to their motor vehicle. 
  • Limited waiver of depreciation - If your car is a write off, this coverage means they'll replace your car at full value, not the actual cash value which includes depreciation. 

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Historical Yukon auto insurance rates

Drivers in Yukon pay around the national average for car insurance in Canada at just over $800. Due to the territory’s recent rising auto insurance costs, it is vital to compare car insurance quotes to ensure you’re getting the best policy to cover what you need while staying within budget.

In fact, citizens of Yukon are encouraged by the government to compare rates and consult with various insurers 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 Yukon car insurance companies.

Mandatory coverage for auto insurance in Yukon

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 Yukon auto insurance?

In less than five minutes, you can compare multiple car insurance quotes from Yukon's top providers, for free.

Optional car insurance coverage in Yukon

You can personalize your coverage with these common additions that protect your car.

Collision insurance

Comprehensive insurance

Emergency roadside assistance

Specified perils

All perils

How to get cheap car insurance in Yukon

  1. Shop and compare

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

  2. Stay with your current insurer

    Some Yukon 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 Yukon 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 an Yukon driver's licence

If you're looking to get cheap car insurance in Yukon Territory, it starts with a driver's licence and taking a drivers ed course.

Once you’re 15 years old, you can apply for a learner’s license in the Yukon. The Yukon operates with a Graduated Driver Licensing Program. Let’s take a look at their 3-stage approach from learner, to novice, to a full driver stage.

Learner's license - Stage 1 (or level one) eligibility criteria:

Novice Stage (Stage 2) licence (or level two) eligibility criteria:

Full licence or Stage 3 (or level three) eligibility criteria:

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Frequently asked questions about car insurance in Yukon territory

How do I get cheap car insurance in Yukon?

Do I need car rental insurance for the Yukon?

How do you insure a car in Yukon?

Can you get temporary car insurance in Yukon?

Do I need auto insurance in Yukon?

Do I need winter tires in Yukon?

Is roadside assistance required in Yukon?

How do I file an insurance claim in Yukon ?

How long do offences last on my driving record in Yukon?

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’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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