Compare Yukon car insurance quotes

Q: How do I get cheap car insurance in Yukon?

Check out our 9 tips to reduce your car insurance in Yukon . There are some factors within your control such as driving record and type of car, but others are harder to come by. For instance, car insurance in Whitehorse will be more expensive than in Watson Lake because with more people, there are more cars which increases rates. Moving to Watson Lake to get better car insurance if you work in Whitehorse is difficult. However, don't lie to your insurer about your address to get cheaper car insurance - that's insurance fraud and can leave you without insurance.

Q: Do I need car rental insurance for the Yukon?

If you're travelling to the Yukon, call your insurer and ask them to add an endorsement to your policy for rental car coverage . That way you can avoid paying unnecessary fees.

Q: How do you insure a car in Yukon?

Start by shopping online for car insurance quotes , compare prices, and then we'll connect you with an insurance broker to finalize the deal. You'll need your drivers license, vehicle registration information, and some personal details like your address.

Q: Can you get temporary car insurance in Yukon?

You can get a temporary operating permit if: you have a personal vehicle with no valid registration from anywhere; and if you have an empty commercial vehicle with no valid registration from anywhere. The temporary permit can be valid for up to a maximum of 10 days. The expiry date of the permit must not be after the expiry date of vehicle's insurance.

Q: Do I need auto insurance in Yukon?

Yes, everyone in Yukon who drives a car is required to buy auto insurance. There are mandated minimums, but most Yukon citizens will opt to increase these minimums for more coverage.

Q: Do I need winter tires in Yukon?

No, you don’t need winter tires on your vehicle, but it can save you up to 5% on insurance. Winter tires are also a great safety measure - they’re softer proving a stronger grip on ice and snow.

Q: Is roadside assistance required in Yukon?

No, but it’s a great for peace of mind in case of a battery failure, tire puncture, or you need a tow. CAA National covers the Yukon memberships start at $86/year.

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

Yukon operate on a demerit point system. If you earn 12 demerit points your license can be suspended. Points for any offence are automatically removed two years after the date of conviction.

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How Yukon car insurance works

Matt Hands, VP, Insurance and MoneySense

November 23, 2023

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

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.

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:

Are you looking for the best Yukon home insurance rate?

In less than 5 minutes, you can compare multiple home insurance quotes from Canada's top providers for free. Comparing rates online could save you hundreds of dollars.

Frequently asked questions about car insurance in Yukon territory

How do I get cheap car insurance in Yukon?

Check out our 9 tips to reduce your car insurance in Yukon. There are some factors within your control such as driving record and type of car, but others are harder to come by. For instance, car insurance in Whitehorse will be more expensive than in Watson Lake because with more people, there are more cars which increases rates. Moving to Watson Lake to get better car insurance if you work in Whitehorse is difficult. However, don't lie to your insurer about your address to get cheaper car insurance - that's insurance fraud and can leave you without insurance.

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 ?

Call your insurance broker or the company from where you purchased your car insurance. It can be found online or on your insurance slip often kept in the glove box. Most insurers are available 24 hours a day for claims. Be as detailed as possible when speaking with them and include all the information you have on hand including car make, license plate, driver’s license information, and your account of what happened. Take photos if possible.

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

Matt Hands, Business Director 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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