Skip to main content

Northwest Territories Car Insurance

Welcome to Northwest Territories’ online car insurance marketplace. Working with the best car insurance carriers in NWT, Surex gets you up to 10 cheap car insurance quotes in minutes.

Need car insurance in NWT? 

At Surex, we understand your time is valuable. This is why we present to your region our best car insurance purchasing experience, through our online auto insurance marketplace.

Being online, you’re able to get a quote whenever, and wherever you want. On holiday in Florida? We’ll still get you multiple cheap car insurance quotes for your vehicle in Northwest Territories while you’re sipping a refreshing drink on a beach.

When you’re ready to proceed, with the car insurance carrier of your choosing, you’ll sign for your documents online, through e-signature, and have instant access to proof of insurance.

Ready to save on your insurance? Let's get started!

Comparing rates from Canada’s leading Auto insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Types of Coverage We Provide
Accident Forgiveness
This allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.
Car Rental Coverage
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Comprehensive Coverage
Subject to a deductible typically covers fire, hail, theft, collision with an animal, vandalism and falling objects among others.
Depreciation Coverage
In the event of a "Total Loss" this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.
Family protection
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Third Party Liability Coverage
When deemed legally responsible, provides coverage for injuries or damage caused by you to third parties and their property.
Windshield Coverage
Windows are included in comprehensive, however, you have the option to remove this coverage in order to lower your premium. *AB it is not included

Car Insurance In Northwest Territories - What Do You Need to Know?

A few key factors going into pricing auto insurance rates in NWT. They are:

  • Insurance data - The geographic area you live in can impact your car insurance rates. For instance, if you live in an area that sees minimal auto insurance claims, then your car insurance rate will be less -- all things equal -- compared to if you live in an area that has a high amount of car insurance claims.

  • Your personal driving history - The auto insurer you choose for your car insurance needs will need to know, and verify, your prior driving history. This relates to at-fault accidents, as well as driving tickets/convictions.

  • The type of auto insurance coverage you’re looking for - In NWT, there are three degrees of car insurance coverage available. They are:

    • Third Party Liability: By law in NWT, this is the minimum auto insurance coverage required.

    • Liability, Collision & Comprehensive: This is the maximum amount of auto insurance coverage available in Northwest Territories. Often referred to as full coverage.

    • Liability, Collision OR Comprehensive: If auto insurance was sized like sweaters, this would be the medium. If you want more than the minimum but feel the maximum coverage is too big/much, you can choose to add one of collision or comprehensive to your liability coverage.

If you’re leasing or financing a vehicle, know that there’s an extremely large chance full coverage -- liability, collision & comprehensive coverage -- will be required on your vehicle, as per your leasing/financing agreement.

The clearest path to getting better car insurance rates is by being eligible for auto insurance discounts. Auto insurers offer discounts to qualified individuals, as they deem them a client they’d like to have. The type of clients car insurers want are those those that always pay their bills and those that are great drivers.

  • Good credit discount - Typically, this is the largest car insurance discount auto insurers will offer. Because of this, whether when filling out an online quote on our website, or when speaking with your Surex Personal Assistant, you’ll be asked if we can do a soft hit of your credit score. This soft hit will not impact your rating. If the soft hit shows your credit is 650+, you can be eligible for an auto insurance discount that can save you up to 20% off your annual car insurance premium amount.

  • Claims-free discount - One of the best ways to demonstrate you’re a responsible driver is to not be involved in at-fault accidents. Shocking, we know! If you’ve gone 6+ years without an at-fault claim on your record, it’s a good idea to shop the market. Some insurers will offer a claims-free discount of up to 10% off your annual premium amount to earn your business.

  • Conviction-free discount - Avoiding traffic tickets, for an extended amount of time, usually shows how dedicated you are to obeying traffic laws. Or you’re super lucky… Regardless, if you’ve gone 3+ years without a traffic conviction, you’re eligible to receive a convictions-free discount, which can lower your auto insurance premium amount by up to 10%.

The easiest way to lower your car insurance premiums, as a new driver, is to pass a certified driver’s training course.

As a new driver, you have yet to build up history demonstrating your driving ability, for better or worse. Because of this, auto insurers rely on their data, which shows new driver’s tend to be involved in more at-fault accidents.

Again, you personally, have yet to accrue driving history to show otherwise. This is where passing a certified driver’s training course comes in. Most auto insurers will increase your driver’s star rating by 2 stars for passing a certified driver’s training course. This uptick in star rating is the equivalent of adding 2 clean years of driving to your record.

Going from 0 years of clean driving history to 2 years, via a certified driver’s training course, can save you up to 15% off your annual auto insurance premium amount.  

Whether you’re a new driver, or a driver from a foreign country without access to your previous country’s driver’s abstract, consider this option.

Rate Changes in Northwest Territories


Rate Changes











Best Attractions in the Northwest Territories
  1. Aurora lights
  2. Fishing
  3. Hunting
Best Landmarks in the Northwest Territories
  1. Nahanni National Park Reserve of Canada
  2. Great Slave Lake
  3. Virginia Falls
Best Restaurants in the Northwest Territories
  1. Zehabesha Traditional Ethiopian Food
  2. The Woodyard Brewhouse & Eatery / NWT Brewing Co
  3. Dancing Moose Cafe
Northwest Territories Auto Insurance Rates Vs. the Rest
Residents of NWT pay relatively modest premiums, compared to the rest of Canada. British Columbia, Ontario & Alberta all pay significantly more, on average, than those in Northwest Territories.


Average Rates

British Columbia






Newfoundland & Labrador




Northwest Territories






Nova Scotia


New Brunswick




Prince Edward Island




Compare Real Quotes


Talk to Real People

Insurance Broker
Licensed Insurance Advisor

Have questions? We’ve got answers

This is a personal choice, for you to decide. Your Surex Personal Assistant will be able to answer any questions you have pertaining to the coverages available to you, including the impact adding/removing coverage will have to your annual car insurance premium amount.

There isn’t a set age that car insurance magically becomes cheaper. The more clean years of driving you can add to your driving record, and the more years you demonstrate the ability to always pay your insurance bills, will mean your auto insurance rates will come down sooner than later.

On the flip side, if you struggle to avoid at-fault accidents, driving convictions and struggle paying your car insurance bills, you’ll be waiting longer to see your rates come down.

In the sense of the potential replacement cost of your vehicle, a lower value of vehicle will cost less to insure -- all things equal -- than a more expensive vehicle.

Some people opt for lower coverage on older vehicles. Less coverage -- again, all things equal -- will be cheaper than more extensive coverage.

This varies, from one car insurer to another. Unless you have accident forgiveness from your current car insurer, expect an at-fault accident to stay on your record for 6-10 years.

If you’ve gone 6+ years without an at-fault accident, it’s a good idea to shop the auto insurance market. Again, some insurers will overlook an accident after 6 years. Some will even offer a discount to earn your business.

Unless you have accident forgiveness on your policy, then the odds are it will, in the event of an at-fault claim.

Across Canada, including in NWT, car insurance rates have been increasing, as a whole. This is similar to inflation and any other good or service.

Yes! Most insurance companies, be it car or home insurance, will allow you -- their client -- to choose whether you pay for your premiums with a credit card or by direct deposit.

Surex News and Blog