Car Insurance in New Brunswick

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A New Brunswick winter leaves no doubt that you need the best car insurance you can get. Whether you drive the urban streets of Fredericton, Moncton, and Saint John, or the rural roads around Rexton or Shediac, your BrokerLink car insurance experts in New Brunswick make finding the right insurance easy.

Car insurance in New Brunswick is still some of the most affordable in Canada, but that could be changing. Despite some significant increases recently, multiple major insurers are looking to raise premiums even more. That’s why it’s more important than ever to shop around and compare your options. As New Brunswick’s experts at taking care of you and your insurance needs, we deliver the best rate possible. We’ll make sure you’re covered and not overpaying. Learn more about our New Brunswick car insurance offerings below.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is car insurance in New Brunswick?

Car insurance for New Brunswick drivers is a policy that’s designed to protect them against the unique risks that come with living in this province. That’s why the New Brunswick Financial and Consumer Services Commission (FCNB) requires all drivers to carry at least:

Uninsured automobile coverage
Direct compensation coverage
Accident benefits coverage
Third-party liability coverage (minimum: $200,000)

But for many drivers, a standard auto insurance policy isn’t enough. Drivers often want higher liability limits, additional accident benefits, or financial protection if they’re involved in an at-fault collision, if their car is stolen, or if it’s damaged unexpectedly by perils like fire, water, vandalism, or severe weather. At BrokerLink, our licensed insurance experts can help you find a policy that not only meets the FCNB’s requirements but also protects you and your vehicle from whatever happens on and off the road. Contact us today to get started.

Why do you need car insurance in New Brunswick?

Car insurance is a legal requirement in the province of New Brunswick. Under New Brunswick's Insurance Act, uninsured motorists can face hefty fines, have their driver’s license suspended, and even face jail time. That’s why every driver, whether you live in Miramichi, Riverview, or St. Andrews, must carry valid auto insurance at all times. You must also register your vehicle with the Department of Transportation and Infrastructure before you can drive it. And to do that, you need to have proof of insurance.

On top of that, New Brunswick auto insurance is designed to reflect the real risks that come with living and driving here. And while the General Insurance Statistical Agency reports that the average claim cost per insured vehicle was $659.32 in 2023, other reports show that in the first half of 2024, New Brunswick experienced a 14% increase in auto theft claims compared to the same period the year before. With car theft on the rise and the cost of buying or repairing a vehicle climbing higher, it’s essential to have the right insurance coverage so that you’re not left footing the bill. If you're looking to purchase affordable car insurance or renew your policy in New Brunswick, contact BrokerLink today.

Mandatory and optional types of New Brunswick auto insurance coverage

Auto insurance is mandatory for all New Brunswick drivers, no matter whether you lease or own your vehicle, and no matter whether you are a full-time resident or visitor to the province. The FCNB has mandated four types of required coverage for New Brunswick drivers, but there are also several optional add-ons available, like comprehensive and collision coverages, for those who wish to add extra protection to their policy. Below, you'll find explanations of both mandatory and popular optional coverages in New Brunswick:

Mandatory

Optional

Third-party liability protects drivers against the cost of bodily injury or property damage if you get into an accident that you are at fault for. Liability coverage may not only help cover the cost of car repairs or medical bills, but also legal fees and court fees, if applicable. This type of coverage is mandatory across Canada, though each province and territory sets the minimum amount. In New Brunswick, the minimum amount of liability coverage drivers must carry is $200,000.

Direct compensation coverage protects the policyholder in the event that they get into an accident that is not their fault. This type of coverage provides compensation if you suffer a bodily injury or if your vehicle is damaged in a collision. In the case of direct compensation, you will contact your own insurance company to settle your claim, and they will typically pay you directly.

If you, a passenger, or a pedestrian require medical attention following a collision, accident benefits coverage will kick in. Unlike liability coverage or direct compensation, it does not matter whether you are liable for the collision. You can still receive compensation from the insurance provider to cover medical expenses. That said, there are limits to what is covered and the amount of money you can claim, so it’s important to understand these terms when purchasing a New Brunswick auto insurance policy.

Uninsured automobile coverage protects you and any passengers in your car if you’re involved in an accident with an at-fault driver who is either uninsured or underinsured. This type of coverage also comes in handy if you are the victim of a hit-and-run.

New Brunswick roads can be full of surprises, from icy rural highways to sudden wildlife crossings on forested backroads. Collision coverage helps pay for repairs if your car is damaged after hitting another vehicle or object, or if it rolls over, no matter who’s at fault. It’s a popular add-on for New Brunswick drivers who want a little extra protection when navigating unpredictable Maritime roads.

Comprehensive coverage steps in for damage that isn’t caused by a collision, such as damage from hail, falling trees, fire, flooding, vandalism, as well as car theft. In New Brunswick, where storms and heavy snowfall are common and many cars are parked outdoors, this type of coverage is definitely worth considering for that added peace of mind.

Another type of optional car insurance coverage popular among New Brunswick drivers is accident forgiveness, also known as collision forgiveness protection by the New Brunswick Insurance Board (NBIB). Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.

A waiver of depreciation ensures that if your new car is written off or stolen, you’ll get back the full value you paid for it, without losing out because of depreciation. This is especially helpful for New Brunswick drivers who have just purchased a brand-new vehicle and want to protect their investment from day one.

If your car ends up in the shop after an accident, loss of use coverage helps cover your transportation costs while you wait. Whether you need to rent a car, take a taxi, or hop on public transit, this coverage helps keep you moving and avoids major disruptions to your daily routine.

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How to get the cheapest car insurance in New Brunswick

People should not pay more than they have to for auto insurance. That’s why BrokerLink is dedicated to finding the best possible coverage at the best possible rates for all of our customers. Beyond working with a trusted broker with years of experience in the auto insurance industry, there are several other ways that New Brunswick drivers can save money on their car insurance policies.

From making annual payments to investing in winter tires, check out our top tips for getting the most affordable car insurance in New Brunswick.

Discounts

Combine multiple insurance policies

Generally speaking, the more insurance you buy from a provider, the more money you can save. For this reason, bundling multiple insurance policies is an effective way of minimizing the cost of auto insurance. For example, if you bundle home insurance and car insurance or leisure vehicle insurance and car insurance together, you can save up to 15% on each respective policy.

Insure all cars together

This tip applies to households with multiple cars. Insuring more than one car with the same provider can save you a significant amount of money on each policy (between 15% and 20% on each respective car insurance policy).

Install winter tires on your vehicle

Winter driving in New Brunswick can be treacherous, but installing snow tires on your vehicle can help minimize the risks of driving in the snow. Plus, it may save you money on car insurance since insurance companies recognize that winter tires might reduce your chances of getting into an accident on the road. Therefore, depending on your insurance company, you may qualify for a discount of up to 5% if you use approved winter tires annually.

Buy an electric vehicle

Being good to the environment pays in more ways than one. Up until July 1, 2025, New Brunswick residents could receive rebates on fully electric and hybrid vehicles through New Brunswick's Plug-In NB rebate program. But even though the provincial program has ended, purchasing a hybrid or electric vehicle can still save you money on car insurance. You could save up to 10% on your auto insurance, depending on the insurance company.

Enrol in driving school

Another way to get cheaper car insurance in New Brunswick is to enrol in and attend a recognized driving school. This tip is applicable to young or new drivers with limited driving experience. Insurance companies appreciate when drivers have received professional driving instruction, and will take this into account when calculating your premium. The reasoning behind this is that formal driving schools are said to produce safer, more confident drivers, which means they may be less likely to get into accidents.

Savings Options

Increase your deductible

One of the fastest ways to get cheap car insurance in New Brunswick is to increase your deductible. A general rule of thumb in the insurance industry is that the higher your deductible (the amount of money you are responsible for paying towards an insured loss), the lower your insurance premium.

In New Brunswick, car insurance deductibles typically average around $500, though most insurance companies give you the option of a higher deductible. To save money on car insurance, consider raising your deductible to $1,000 or more. Please note that raising your deductible is not a decision that should be made lightly. Consult with an experienced insurance broker at BrokerLink to understand the consequences of increasing your deductible and whether doing so is right for you.

Make annual payments

If it’s feasible, we always recommend that New Brunswick drivers pay for their car insurance policies annually rather than monthly. Most insurance providers will give you the option of both, however, monthly payments often come with administrative fees, making it cheaper to pay for your car insurance annually.

What determines New Brunswick car insurance rates?

Many factors determine how much New Brunswick drivers pay for auto insurance. Your location, marital status, driving history, annual mileage, and more can impact your insurance premiums. New Brunswick drivers might find it helpful to know how each of these details can affect the cost of their auto insurance policy. To learn more about how insurance providers calculate car insurance premiums in New Brunswick, keep reading.

Driving history

One of the most important factors in determining the cost of an auto insurance policy is a person’s driving history. Driving history takes into account both driving experience and driving record. Having several years, or even decades, of driving experience can work to your advantage by offering lower premiums, but only if you have a relatively clean record.

A clean record is free from speeding tickets, collisions, and DUIs. Those with clean driving records may save money on car insurance, whereas drivers with records that include several incidents, such as speeding, collisions, and DUI convictions, will likely pay a higher premium.

According to the New Brunswick RCMP 2023 Annual Report, there were 3,541 collisions in New Brunswick, including 81 fatalities. The RCMP also issued 16,746 tickets and 442 roadside suspensions.

Age

From an insurance provider’s perspective, age is a key factor in calculating your auto insurance rate because age can be an indication of experience. For example, the younger you are, the less driving experience you have, which means you're more likely to get into an accident. For this reason, young drivers typically pay the most for auto insurance. Another age group that may see higher rates is drivers over the age of 60.

Provincial insurance laws

The cost of car insurance also depends on the coverage you have. New Brunswick operates under a private insurance system, but it's regulated by the Financial and Consumer Services Commission (FCNB). This regulatory body oversees insurance practices and must approve any changes to rates or policy structures proposed by insurers.

New Brunswick law requires drivers to carry a minimum of $200,000 in third-party liability coverage at all times. However, many drivers will choose to carry more than this, such as $1 or $2 million, but it can increase the cost of auto insurance. New Brunswick drivers are also required to carry accident benefits, uninsured automobile coverage, and direct compensation-property damage (DCPD).

While insurers are free to assess risk based on local factors like where you live or how often you drive when determining your premiums, they must still follow guidelines set by the FCNB.

Location

Where you live and work (if you drive to work) will directly impact what you pay for New Brunswick car insurance. Insurers consider local risk factors, such as traffic volume, accident history, crime rates, and weather patterns, when calculating your rate.

Urban centres such as Moncton, Saint John, and Fredericton tend to see higher premiums due to increased traffic congestion and a higher likelihood of collisions, as well as higher crime rates due to higher populations. Smaller towns like Sussex or Woodstock, by contrast, generally experience fewer accidents, lower vehicle density, and less crime, which can lead to more affordable rates. For example, as of June 12, there had been 11,480 occurrences reported in Moncton in 2025, including assaults, break-and-enters, robberies, and vehicle thefts, whereas in Sussex, there had been only 218 reported occurrences so far.

Speaking of auto theft, according to the IBC, Moncton, Dieppe, and Saint John ranked among Atlantic Canada’s top hot spots for auto theft claims in 2023, meaning insurance premiums for comprehensive coverage are likely higher in these cities to cover this increased risk. Finally, weather risks also matter. Coastal and low-lying areas in New Brunswick, especially those along the Northumberland Strait, which were impacted by events like Hurricane Fiona (which caused over $30 million in insured damages for New Brunswick), may have higher premiums due to the increased risk of flooding and storm damage.

Car make, model, and year

To purchase a New Brunswick car insurance policy, you must provide details on the type of car you drive. Such details include the make, model, and year of your vehicle. These factors help insurance companies determine if your car is at a greater risk of being stolen and how much it would cost to repair or replace it if damaged or stolen. Typically, newer vehicles, especially luxury or high-performance models, cost more to insure because they’re more expensive to repair or replace.

According to the Équité Association’s 2024 Auto Theft Trend Report, the majority of stolen cars across Atlantic Canada were made between 2010 and 2016, with sedans, coupes, hatchbacks and wagons being the most stolen vehicle type (39%); a change from 2023 when the Équité Association reported that the number one most stolen vehicle was a 2022 Dodge Ram 1500 Series (truck).

If your car is on the high-risk list for theft or lacks built-in anti-theft features, your insurer may charge a higher premium. On the other hand, older, budget-friendly vehicles with good security features often qualify for lower rates.

Annual mileage

How frequently you drive your vehicle is another factor that can impact your New Brunswick auto insurance rate. If you spend a lot of time commuting, whether it’s on Highway 1 between Saint John and Moncton or Route 2 heading toward Fredericton, you’re on the road more often and face a higher risk of collisions, especially in poor weather or during nighttime hours. That increased risk can lead to higher premiums.

On the other hand, if you only drive occasionally (for example, you work from home and only use your car for weekend errands), you may qualify for a discount. Insurance companies often offer lower rates to low-mileage drivers, so be sure to mention this when speaking with your New Brunswick insurance broker.

Marital status

Lastly, insurance providers may ask you about your marital status when providing you with a New Brunswick car insurance quote. Why? Data suggests that married people are more financially stable and responsible, which insurance companies believe translates to better driving. It might not seem fair, but the reality is that married drivers tend to pay less for car insurance than their single counterparts.

Reasons to buy New Brunswick auto insurance

There are many reasons that New Brunswick drivers choose to purchase auto insurance. From protecting you in the event of injury to helping pay for vehicle repairs following a collision, check out a few benefits New Brunswick motorists may gain from purchasing auto insurance.

You are protected in case of bodily injury

Car insurance can help cover costly medical expenses if you are injured following a car accident under the accident benefits portion of your coverage. While your New Brunswick Medicare plan will likely cover the majority of healthcare costs, your car insurance provider may be able to help pay for additional costs, such as physical therapy, prescription medications, or rehabilitation.

You are protected in case of a collision

Car accidents happen all the time, even to the safest of drivers. Auto insurance gives New Brunswick drivers peace of mind knowing that if they get into an accident, their insurer will help cover the costs of repairing or replacing their damaged vehicle.

You are protected in case of theft

Auto theft is becoming a growing concern in New Brunswick, with nearly 2,000 vehicles reported stolen across the province in 2024, a 17% increase from 2023, according to the CBC. The Insurance Bureau of Canada (IBC) has also flagged several New Brunswick cities, like Moncton and Saint John, as hot spots for auto theft claims in Atlantic Canada.

To help protect your vehicle, comprehensive coverage is available as an optional add-on to your New Brunswick auto insurance policy. Unlike basic policies that mainly cover collisions, comprehensive insurance helps cover the cost of damage caused by theft, vandalism, fire, floods, and even falling debris.

You are in compliance with the law

One final reason New Brunswick drivers purchase auto insurance is that it is mandatory. Doing so ensures you are in compliance with the regulations set by the Financial and Consumer Services Commission (FCNS) of New Brunswick. If caught, an uninsured driver in New Brunswick can be fined up to $2,000 for a first offence, have their licence suspended, and may even face jail time.

Compare New Brunswick car insurance rates with a BrokerLink broker

Shopping for car insurance can be overwhelming, but BrokerLink is here to make the process stress-free. With a trusted broker from BrokerLink by your side, we can help you find the perfect car insurance policy in no time. After all, we work with some of the top car insurance companies in New Brunswick. We’ll browse coverage options on your behalf, compare quotes, and unlock discounts to find you the best coverage at the best rate. Keep reading to learn why working with a New Brunswick insurance broker is worth your while.

Brokers work independently

Insurance brokers work independently of insurance companies. This means that they can focus on the customer’s needs above all else.

Brokers do the work for you

Another benefit of working with an insurance broker from BrokerLink is that they do all the heavy lifting. From contacting Canada’s top insurance companies to obtain quotes to reviewing coverage options and walking you through your policy, we work to find a policy that meets your needs.

Brokers are New Brunswick auto insurance experts

Finally, BrokerLink’s insurance advisors are experts in New Brunswick car insurance.

People in New Brunswick know good value, and that is what they get at BrokerLink thanks to our careful quoting process. The key is getting to know your car insurance needs first. Then we can compare shops for the right car insurance to fit your needs. Our free competitive car insurance quotes prove you’re getting the best insurance coverage at the best price possible.

Of course, these quotes cover all your needs and include options to help protect your good driving record. Our brokers will even show you how much you can save on insurance when you bundle your home and car insurance together.

We have helped thousands of residents find quality car insurance policies in New Brunswick, and we will make sure you have the right coverage for your needs.

Get in touch to learn more about New Brunswick car insurance rates

Are you ready to learn more about New Brunswick auto insurance? BrokerLink has offices all across Canada, and we would love to meet you! If you prefer to get in touch by phone, give us a call at your leisure, and one of our local BrokerLink insurance advisors will assist you. You can also reach us by email or by visiting us in person at any one of our locations throughout New Brunswick. No matter how you prefer to get in touch, one of our insurance advisors will be able to answer your questions and explain the coverage options available to you.

Plus, BrokerLink offers free quotes to all New Brunswick residents. In just a few minutes, you can gain access to an accurate and competitive quote that is 100% obligation-free. To begin, contact one of our car insurance experts in New Brunswick for a free quote. You can also try out our free online quote tool to receive your competitive auto insurance quote in minutes.

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FAQs for auto insurance in New Brunswick

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

What are the mandatory car insurance coverages required by New Brunswick law?

In New Brunswick, you’re legally required to carry third-party liability (minimum $200,000), accident benefits, direct compensation–property damage (DCPD), and uninsured automobile coverage.

Does installing winter tires affect my insurance premium in New Brunswick?

Yes, some insurers in New Brunswick offer a winter tire discount if you install approved winter tires every year during certain months, such as October to May. Be sure to check your policy or double-check with your broker about when to put on and remove your winter tires.

Are there specific insurance considerations for electric vehicle owners in New Brunswick?

Yes. EV owners may benefit from discounts with some insurance companies. However, insurance may be slightly higher due to repair costs and specialized parts. Be sure to ask about both savings and potential added costs.

What is the process for filing a car insurance claim in New Brunswick?

After an accident, contact your insurance provider or broker right away with details about what happened, when, and where. You may need to submit photos, a police report, and any witness information that you collected. From there, a claims adjuster will guide you through the process.

How can I qualify for discounts on car insurance in New Brunswick?

You can often save by bundling auto and home insurance, maintaining a clean driving record, using winter tires, driving a hybrid or electric vehicle, or enrolling in driving school.

What penalties exist for driving without insurance in New Brunswick?

Driving without insurance in New Brunswick can lead to fines up to $2,000, license suspension, and even possibly jail time. Repeat offences carry harsher penalties.

How does my driving history impact my insurance rates in New Brunswick?

A clean driving record helps lower your premium. However, if you have speeding tickets, accidents, or a DUI on file, insurers see you as a higher risk, which typically means higher premiums.