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Nunavut Auto Insurance

Welcome to Nunavut's online auto insurance marketplace. Working with the best car insurance carriers in NU, Surex gets you up to 10 cheap auto insurance quotes in minutes.

How can we help with Auto Insurance in NT?

Surex has partnered with the top car insurance carriers in Nunavut to get you cheap auto insurance rates.

What's unique about Nunavut - everything! Nunavut is the largest and most recent addition to the Canadian Territories and is the most north territory in all of Canada. Formerly part of the Northwest Territories, Nunavut became a separate jurisdiction in April of 1999.

With all of this land,  you will need a good auto insurance plan so you can drive around. That's where Surex can help! Our online platform + our Insurance Advisors make it easy to quickly find the cheapest auto insurance rates from the top insurers in Nunavut.

Comparing rates from Canada’s leading Auto insurance providers
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 Nunavut - What Do You Need to Know?

Auto insurance rates in Nunavut are determined by a variety of factors. Three prominent ones are:

  • Insurance data - The geographic area in NT 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 car insurer 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 AB.  

    • 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 auto of 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 & comprehensive coverage -- will be required on your vehicle, as per your leasing/financing agreement.

The best way to get cheap auto insurance in British Columbia 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 a 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 6+ years, some insurers will 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 3+ 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%.

The best way to lower your car insurance rates 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 2. Essentially, this is like adding 2 years of clean driving onto your driving record. Adding these ‘’2 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 cheap car insurance rates, this is the best route to do so.

Rate Changes in Nunavut

Year

Rate Changes

2018

0%

2019*

-12%

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

$1,480

Ontario

$1,445

Alberta

$1,251

Newfoundland & Labrador

$1,132

Manitoba

$1,080

Northwest Territories

$978

Nunavut

$963

Saskatchewan

$946

Nova Scotia

$842

New Brunswick

$819

Yukon

$812

Prince Edward Island

$796

Quebec

$661

Compare Real Quotes

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Talk to Real People

Insurance Broker
Karen
Licensed Insurance Advisor
Have questions? We’ve got answers

A variety of factors contribute to your unique car insurance rate. These factors include your geographic area, degree of coverage you wish to have on your vehicle and your personal car insurance history. 

It is against the law to drive without car insurance on your vehicle. 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 cheap car 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. Maintain a good driving history is a great way to keep your costs lower. Working with a Surex Advisor and choose the right insurance coverage for you and your family, and bundling your insurance products always saves! 

Yes. Insurers 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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