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Car Insurance Nunavut

Multiple Car Insurance Quotes + a Real Person To Help You Along The Way

Surex can help you save up to 25% on car insurance in Nunavut

When you think of the Great White North, Nunavut is one of the first places that comes to mind. This vast, beautiful territory has a lot to offer, ranging from a rugged, yet inviting, landscape to a collection of wonderful residents. However, Nunavut is a huge territory (the biggest, in fact!). If you want to get around safely and efficiently, you’ll need to invest in car insurance in Nunavut.

Are you looking for affordable car insurance in Nunavut? You’ve come to the right place! As the best insurance broker in Nunavut, Surex makes finding quotes for the best car insurance Canada has to offer a simple and straightforward task. Instead of spending hours on the phone, you can have a ten minute chat with one of our advisors or get insurance online! Contact one of our licensed insurance advisors today to learn how you can save up to 25% when you bundle your policies with a Surex partner.

Comparing rates from Canada’s leading Auto insurance providers
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Types of Coverage That Surex Provides Drivers in Nunavut
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 Nunavut - What You Need to Know

The rates for car insurance in Nunavut are determined by a variety of factors — three prominent ones are:

  • Insurance data - The geographic area in Nunavut you live in can impact your auto insurance rates. For example, if you live in an area where there are minimal car insurance claims, then your auto insurance rates will be lower — all things equal — compared to if you resided in a place with frequent auto insurance claims.
  • Your personal driving history - The auto insurance company you choose for your auto insurance policy will verify your driving record. They need to know the amount of at-fault accidents you’ve had, as well as driving convictions. For both, the less you have, the better your rates can potentially be.
  • The type of car insurance coverage you’re looking for - In Nunavut, the three types of auto insurance available to you are:
    • Third Party Liability: this is the legal minimum of car insurance coverage needed in Nunavut.  
    • Liability, Collision & Comprehensive: Also known as full coverage, this is the maximum auto insurance coverage available in Nunavut.
    • Liability & Collision OR Comprehensive: If you own your vehicle outright and are looking for more than the minimum car insurance coverage, but not quite the maximum amount, this is where you’ll find what you need.

It is important to note that If you’re leasing or financing a vehicle, there’s a very high chance full coverage — liability, collision and comprehensive coverage — will be required on your vehicle, as per your leasing/financing agreement.

IF you're looking for an automobile insurance quote, the best way to get low cost auto insurance in Nunavut is by being eligible for car insurance discounts. Car insurers will offer discounts to people that they deem their ideal client. The largest discounts people can get relate to paying your bills always on time and being a good driver. Simply put, if you always pay your bills and you have a great driving record, auto insurers want you!

  • Good credit discount - This is, usually, the largest discount car insurers will offer. Whether you’re a good driver or a bad driver, as long as you always pay what is owed, auto insurers will want your business. When completing an online car insurance quote on our website, you’ll be asked if we can do a soft hit of your credit score. This soft hit will not impact your credit rating. If the soft hit shows a credit score of 650+, you can be eligible for a car insurance discount of up to 20% off your annual auto insurance premium amount.
  • Claims-free discount - If you’re looking for a way to lower your car insurance premiums, be a good driver! Insurance companies will vary for how long their count an at-fault accident against you. If you’ve gone six (or more) years, your online auto insurance company may offer a claims-free discount to you, which can save you up to 10% off your annual car insurance amount.
  • Conviction-free discount - If you’ve gone three (or more) consecutive years with a traffic conviction (parking tickets & photo radar tickets don’t count), then you can be eligible for a convictions-free discount, which can lower your annual car insurance premium amount by up to 10%.

If you're looking for an auto insurance quote, the best way to lower your automobile insurance rates in Nunavut as a new driver is to take, and pass, a certified driver’s training course.

New drivers have yet to build up a history of their driving, which is why rates tend to be a little higher for them — because it’s unknown whether they’re going to be a safe driver or not. Statistics show new drivers, as a whole, tend to be more involved in accidents compared to more experienced drivers.

This is where passing a certified driver’s training course can really help a new driver, be it a teenage driver or someone new to Canada without proof of their driving history. Passing a certified driver’s training course increases your driver star rating by two. Essentially, this is like adding two years of clean driving onto your driving record. Adding these ‘’two years’’ of clean driving onto your record can lower your annual car insurance premium amount by up to 15%.

If you’re a new driver looking to get affordable car insurance rates, this is the best route to do so.

Top Food in Nunavut
  1. Arctic char
  2. Salmon
  3. Muskox
Languages spoken in Nunavut
  1. English
  2. Inuktitut
  3. French
  4. Inuinnaqtun
Top National Parks in Nunavut
  1. Auyuittuq National Park
  2. Quttinirpaaq National Park
  3. Ukkusiksalik National Park
Nunavut Auto Insurance Rates Vs. the Rest
The average auto insurance rate in Nunavut.

Province

Average Rates

British Columbia

$1,832

Ontario

$1,528

Alberta

$1,316

Newfoundland & Labrador

$1,168

Manitoba

$1,140

Northwest Territories

$978

Nunavut

$963

Saskatchewan

$1,235

Nova Scotia

$891

New Brunswick

$867

Yukon

$812

Prince Edward Island

$816

Quebec

$717

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Insurance Broker
Karen

Licensed Insurance Advisor

Do you have questions about car insurance in Nunavut?

A variety of factors contribute to your unique car insurance in Nunavut. These factors include your geographic area, degree of auto insurance coverage you wish to have on your vehicle and your personal car insurance history. This is one of the reasons why you should always compare insurance companies in Nunavut.

It is against the law to drive without car insurance in Nunavut. In Nunavut, the minimum amount of coverage required on a vehicle you’re actively driving is third party liability. If you get pulled over and are found to be driving without insurance, then you’re at the mercy of Nunavut law.

It depends on the degree of coverage you choose to have on your car. A more extensive policy, like full coverage, will cost more — all things equal — than third party liability only because you’re protected against more things.

There are many ways to get affordable online insurance in Nunavut. In the region, it is suggested that using winter tires will lower your rates (with certain providers). Always pay your premiums on time. Maintaining a good driving history is a great way to keep your costs lower. Working with a Surex Advisor and choosing the best insurance coverage for you and your family, and bundling your insurance products always saves!

Yes. Car insurance companies in Nunavut will allow you to choose how you pay your annual premium amount, be it with your credit card or by direct deposit.

This Territory of Nunavut has a private insurance market, which means insurers set the rates.

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