Compare Yukon car insurance quotes
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How Yukon car insurance works
Matt Hands, VP, Insurance
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.
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
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
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How to get cheap car insurance in Yukon
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 car insurance quotes with us is free.
Stay with your current insurer
Some Yukon 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 Yukon 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.
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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