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Nova Scotia Car Insurance

Welcome to Nova Scotia’s online car insurance marketplace. Working with the best car insurance carriers in NS, Surex gets you up to 10 cheap car insurance quotes in minutes.

Why switch to Surex for car insurance in Nova Scotia?

Price is the top reason a person will switch their car insurance needs from one company to another. Because of this, Surex has partnered with the following auto insurers in NS to get you a great car insurance price: Aviva, Economical, Intact, Pafco, RSA, or Travelers

As Nova Scotia’s online car insurance marketplace, you can complete your quote and get 100% accurate quotes -- based on the information you inputted -- at any time of day. All you need is a WiFi or data signal and a desktop, laptop, tablet or smartphone.

Take 5 minutes, at any time and place you choose, and complete an online auto insurance quote and get on the path to car insurance savings through Surex!

Comparing rates from Canada’s leading Auto insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
How We Find You the Best Car Insurance Quotes in NS?

Partnering with the best auto insurance carriers in Nova Scotia, Surex is your destination to get multiple cheap car insurance quotes, in a matter of minutes.

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
Nova Scotia Auto Insurance Vs. the Rest
Residents of Nova Scotia pay relatively modest car insurance rates, compared to some of their fellow provinces. The highest auto insurance premiums in Canada are found in British Columbia & Ontario.


Average Rates

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Newfoundland & Labrador




Northwest Territories






Nova Scotia


New Brunswick




Prince Edward Island




Nova Scotia and Car Insurance - What Should You Know?

In Nova Scotia, a few key factors are highly influential in determining auto insurance rates. They are:

  • Insurance data - This relates to the geographical location you reside in NS. If you live in an area that experiences car insurance claims more frequently, then your auto insurance price will be -- all things equal -- higher compared to someone in an area with minimal auto insurance claims.
  • Your personal driving history - The car insurer you choose to place your business will need to verify your prior driving history. Be prepared to disclose your most recent 6+ years of car insurance claims history, as well as your most recent 3+ years of driving convictions (excludes photo radar & parking tickets).
  • The type of auto insurance coverage you’re looking for - In Nova Scotia, the three degrees of car insurance coverage available are:
  • Third Party Liability: By law, this is the minimum car insurance coverage required in NS.
  • Liability, Collision & Comprehensive: This is the maximum amount of car insurance coverage available in NS. Also known as full coverage.
  • Liability, Collision OR Comprehensive: If car insurance was sized like shirts, 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 financing or leasing a vehicle, know that there’s a 99% chance full coverage -- liability, collision & comprehensive coverage -- will be required on your vehicle, as part of your financing/leasing agreement.

The best way to keep your auto insurance costs down is to be eligible for auto insurance discounts. Car insurance companies will offer discounts as a way to incentivize people they deem as their ideal clients. Hint: car insurance companies want clients that always pay their bills and/or responsible drivers.

  • Good credit discount - Like any other industry in the world, companies want to attract clients that always pay their bills. When filling out an online car insurance quote, we’ll ask your permission to do a soft hit of your credit score. This soft hit will not impact your credit score. If your credit score is 650+ then you many auto insurers will offer you a good credit discount. This discount can be up to 20% off your annual car insurance premium amount.
  • Claims-free discount - A great way to demonstrate you’re a responsible driver is by being just that -- a responsible driver! Many auto insurers will begin to offer a claims-free discount -- up to 10% off your annual car insurance premium amount -- once you’ve gone 6+ years without being involved in an at-fault accident.
  • Conviction-free discount - Not having traffic tickets on your record also demonstrates your ability as a driver. If you’ve gone 3+ years without a driving conviction, some car insurers will offer you a conviction-free discount -- up to 10% off your annual car insurance amount -- in an effort to earn your business.

The best way to get cheap car insurance, as a new driver, is to take and pass a certified driver’s training course.

Whether you’re a brand new (usually teenage) driver or new to Canada and don’t have your driver’s abstract from your previous country, this is a great way to decrease your annual car insurance rates.

Completing a certified driver’s training course can increase your driver star rating by two. This is, essentially, like adding two years of clean driving history onto your driving record.

Increasing your star rating by two can save you up to 15% off your annual auto insurance premium amount.

Rate Changes in Nova Scotia


Rate Changes













Best Family Trips in Nova Scotia
  1. Visit Peggy's Point Lighthouse
  2. Take a Trip to the Halifax Discovery Centre
  3. Experience the Bay of Fundy
Best Restaurants in Nova Scotia
  1. The Bite House, Forks Baddeck
  2. Highwayman, Halifax
  3. Grand Banker, Lunenburg
Things to do on a Rainy Day in Nova Scotia
  1. Visit Peggy's Point Lighthouse
  2. Take a Trip to the Halifax Discovery Centre
  3. Check out the Halifax Central Library

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Have questions? We’ve got answers

Every client deserves a personal broker. Our brokers know that providing cheap, discount rates leads to long-term clients. From your quote to inquiries about your policy to processing claims, you will deal with the same broker. It is important to know that in the unfortunate case of an accident or insurance claim against you, we will compare our insurance company partners to make sure your new auto rate is the cheapest we can offer. This is in contrast to dealing with other direct insurance sources (such as banks, co-ops or agents) that may have conflicting interests when it comes to your new insurance rate. Get your personalized offer today.

If you’re leasing or financing your vehicle, know that there’s an extremely high chance full coverage will be required on said vehicle, until you own it outright.

If cost is a factor influencing the type of coverage you have on your vehicle, speak with your Surex Personal Assistant and they’ll be able to show you the difference in your annual auto insurance premium amount between the coverage available to you. From there, you can decide if full coverage is worth it.

Car insurance gets cheaper the more years of consecutive clean driving you add to your record.

Traditionally, younger drivers see higher car insurance rates, because they haven’t built up a history of good driving. That said, if someone is ‘’older’’ and has a bad driving record, they will still pay higher premiums, due to their driving record reflecting they’re more likely to be involved in an at-fault accident.

Not necessarily. Many people will choose to have third party liability coverage only on an older vehicle, because the potential increase in insurance premiums isn’t worth the value of replacing their older vehicle.

Regardless of the age of your vehicle, a determining factor in car insurance cost is the degree of coverage you have on your vehicle.

If you’ve built up a number of years of clean auto insurance history with a carrier, sometimes they will offer you accident forgiveness, if you’re involved in an at-fault car insurance claim.

If you haven’t built up a good history with an insurer, or you’re shopping the market for a new car insurance company, in most cases, an at-fault accident will stay on your record for at least 6 years.

Most auto insurers will allow you to pay with credit card or by direct deposit, whichever you choose.

99% of the time, yes, you’ll need full coverage on a leased or financed vehicle.

Full coverage covers the replacement/fix cost associated with your vehicle when you’re in an at-fault accident. If you’re leasing or financing your vehicle, you technically don’t own it until you’ve completed all your leasing or financing payments. Because of this, the overwhelming majority of leased or financed vehicles will require full coverage.

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