Compare and purchase the best car insurance rates in the Yukon.
Remote highways, long travel distances, and severe winter weather can all influence car insurance rates and coverage needs in the Yukon. The territory's private, at-fault insurance system also affects how coverage is structured and how claims are handled.
Comparing quotes is one of the most effective ways to find competitive rates in the Yukon. Surex makes it easy to compare 10+ quotes from licensed Yukon insurers, so you can review coverage options and pricing all in one place.
How car insurance works in the Yukon
Car insurance is mandatory in the Yukon and is regulated at the territorial level. The Yukon operates under a private, at-fault insurance system, which means fault is determined after an accident and can affect how claims are settled.
Drivers must carry minimum levels of coverage, including third-party liability and accident benefits. Drivers can also choose optional coverages for additional protection based on their vehicle, driving habits, and comfort level with risk.
Work with licensed Yukon insurance advisors
Understanding car insurance rules, coverage options, and pricing in the Yukon can feel overwhelming, especially when requirements and claims processes differ from other provinces and territories. Surex connects Yukon drivers with licensed insurance advisors who are authorized to provide coverage in your territory and understand how the local system works. They’re available to answer your questions, walk you through your options, and help you find a policy that fits your needs, with support before and after you choose coverage.
What Yukon drivers say about Surex
Find out how Surex has helped local drivers compare coverage, get answers to their questions,
and choose the right policy for their needs.
Right from the start I have had a very pleasant experience with Surex. In particular dealing with Miguel Pavon, who went the extra mile to ensure I was well taken care of and all my concerns were resolved. Miguel is efficient and kind. He was timely in the process of securing both my home and auto insurance. I highly recommend him snd hope he is appreciated as one of your team members.
Thanks
Susan Korpela
Compare coverage options from trusted Canadian insurance providers
Surex works with a wide network of trusted insurance providers, helping Yukon drivers compare coverage options
and choose policies that fit their needs and budget.
Types of coverage we provide
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run, or with an uninsured driver.
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects, among others. (subject to a deductible).
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windows are included in comprehensive*, however, you have the option to remove this coverage to lower your premium. (*Not included in Alberta.)
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
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.
This allows for the protection of your “claims-free discount” in the event of your first claim.
What affects auto insurance rates in the Yukon?
Car insurance rates in the Yukon are influenced by a combination of territorial regulations, local driving conditions, and individual driver factors. While every driver receives a personalized quote, understanding these common factors can help explain why premiums may differ from one person to another.
Key factors include:
- The Yukon's insurance system: The territory's private, at-fault insurance system influences how claims are handled and how insurers assess risk.
- Remote driving conditions: Long travel distances, remote highways, and limited road networks can affect vehicle usage and accident risk.
- Weather and seasonal risks: Snow, ice, extreme cold, and reduced visibility can increase the likelihood of collisions and weather-related claims.
- Claims and repair trends: Regional claims activity, repair costs, and vehicle replacement expenses can all influence insurance premiums.
- Driver profile: Your driving record, age, annual mileage, and claims history all play a role in determining your rate.
- Coverage choices: Your coverage limits, deductibles, and optional protections can affect the overall cost of your policy.
Why car insurance quotes can vary in the Yukon
These examples show how quotes can differ across the Yukon based on driver profiles, vehicles, and coverage choices.
They’re for illustrative purposes only and are not averages or guarantees. Comparing options can help you find the right fit.
The Yukon auto insurance rates vs. other provinces 2026
Find out how much drivers in the Yukon pay on average for their annual car insurance premium, and compare auto insurance prices in other provinces.
Province |
Annual Premium |
Monthly Premium |
|---|---|---|
Yukon |
$1,295 |
$107.92 |
Alberta |
$2,316 |
$193.00 |
British Columbia |
$1,522* |
$126.83 |
Manitoba |
$1,235* |
$102.92 |
New Brunswick |
$1,475 |
$122.92 |
Newfoundland & Labrador |
$1,532 |
$127.67 |
Northwest Territories |
$1,488 |
$124.00 |
Nova Scotia |
$1,598 |
$133.17 |
Nunavut |
$1,468 |
$122.33 |
Ontario |
$2,318 |
$193.17 |
Prince Edward Island |
$1,156 |
$96.33 |
Quebec |
$1,176 |
$98.00 |
Saskatchewan |
$1,361* |
$113.42 |
Average prices are based on Surex quotes in the past 12 months for drivers with one vehicle and no claims. Updated March 2026.
*Provinces with public insurance. Data collected from Statistics Canada’s Report on Auto Insurance Premiums, released 2025.
Car Insurance in the Yukon - FAQs
Yes, car insurance is mandatory in the Yukon. Drivers must carry a minimum level of coverage to legally operate a vehicle in the territory.
Drivers in the Yukon are required to carry at least $200,000 in third-party liability coverage and accident benefits. These mandatory coverages provide essential financial protection in the event of an accident.
Car insurance in the Yukon costs approximately $1,295 per year, or about $107.92 per month, on average. However, premiums can vary widely based on factors like your driving history, vehicle type, and coverage choices.
Car insurance rates in the Yukon are affected by local factors like remote driving conditions, severe winter weather, and claims trends. Insurers also consider your vehicle type, coverage choices, and claims history when calculating your premium.
You can lower your car insurance premiums by maintaining a clean driving record, bundling policies, increasing your deductible, and comparing quotes from different insurers. A licensed insurance advisor can also help you identify savings opportunities and find coverage that fits your needs and budget.
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