Compare and purchase the best car insurance rates in Moncton.
Car insurance in Moncton is influenced by factors like winter driving conditions, commuting patterns, and local claims trends. Surex helps Moncton drivers compare coverage options from leading insurers and find protection that fits their needs and budget.
Get free and accurate quotes in minutes, and speak with a licensed advisor who understands New Brunswick coverage requirements.
What makes car insurance different in Moncton?
While car insurance rates in Moncton are often lower than in larger urban centres, local factors like maritime weather, repair costs, and claims trends still play an important role in how premiums are calculated. Understanding these factors can help you better evaluate quotes and choose the right coverage.
Key factors that can influence car insurance coverage and pricing in Moncton include:
- Winter driving conditions: Snow, ice, and freeze-thaw cycles can increase accident risk during colder months.
- Regional commuting patterns: Many drivers commute between Moncton and surrounding communities, which can affect annual mileage and risk exposure.
- Repair and claims costs: Local repair expenses and claims trends can influence how insurers price coverage.
- Smaller-city traffic conditions: Moncton generally experiences lower traffic density than larger Canadian cities, which may affect claim frequency.
- New Brunswick insurance requirements: Drivers must carry mandatory minimum coverage set by the province.
Connect with a local Surex insurance advisor to review your options and find coverage that fits your needs and budget.
Why Moncton drivers use Surex
Surex helps Moncton drivers compare quotes from multiple insurers in one place, making it easier to review coverage options and make informed decisions. Our licensed advisors understand New Brunswick insurance requirements and provide personalized guidance before and after you choose your policy.
Compare car insurance options from licensed providers serving Moncton
Surex works with a network of trusted insurance providers, helping Moncton drivers compare coverage options based on their vehicle,
driving history, and budget.
Average car insurance prices in Canadian cities 2026
We reviewed thousands of car insurance quotes and found out how much drivers in Moncton pay on average for their premium. See how your city compares.
City |
Annual Premium |
Monthly Premium |
|---|---|---|
Moncton |
$1596.00 |
$133.00 |
Barrie |
$2212.00 |
$184.33 |
Brampton |
$3300.00 |
$275.00 |
Brantford |
$2109.00 |
$175.75 |
Burlington |
$2082.00 |
$173.50 |
Calgary |
$2007.00 |
$167.25 |
Edmonton |
$2099.00 |
$174.92 |
Guelph |
$1539.00 |
$128.25 |
Halifax |
$1267.00 |
$105.58 |
Hamilton |
$2047.00 |
$170.58 |
Kingston |
$1928.00 |
$160.67 |
Kitchener |
$1851.00 |
$154.25 |
Lethbridge |
$1596.00 |
$133.00 |
London |
$2317.00 |
$193.08 |
Markham |
$2398.00 |
$199.83 |
Mississauga |
$2837.00 |
$236.42 |
Oakville |
$2540.00 |
$211.67 |
Orillia |
$1680.00 |
$140.00 |
Oshawa |
$2250.00 |
$187.50 |
Ottawa |
$2115.00 |
$176.25 |
Peterborough |
$1739.00 |
$144.92 |
Red Deer |
$1825.00 |
$152.08 |
Sault Ste. Marie |
$1964.00 |
$163.67 |
Scarborough |
$2721.00 |
$226.75 |
Thunder Bay |
$1850.00 |
$154.17 |
Toronto |
$2537.00 |
$211.42 |
Windsor |
$1759.00 |
$146.58 |
Yellowknife |
$1722.00 |
$143.50 |
Average prices are based on Surex quotes in the past 12 months for drivers with one vehicle and no claims. Updated April 2026.
What impacts car insurance rates in Moncton?
Car insurance premiums in Moncton can vary depending on factors like your driving history, vehicle type, coverage choices,
and daily commuting patterns. Winter driving conditions and local claims trends can also affect pricing.
These examples are intended to demonstrate how rates may differ between drivers.
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.
See what drivers in Moncton and across New Brunswick are saying 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.
How Moncton drivers can save on car insurance
Moncton drivers can lower their car insurance costs by comparing quotes regularly, bundling policies, maintaining a clean driving record, and reviewing deductible options. Choosing a vehicle with lower repair costs and asking about available discounts can also help reduce your premium.
A licensed Surex advisor can help you compare quotes from multiple insurers, identify savings opportunities, and review coverage that fits your needs and budget.
Car Insurance in Moncton - FAQs
Car insurance in Moncton costs approximately $1,300 per year. However, premiums can vary widely based on factors like your driving history, vehicle type, and coverage choices.
Auto insurance rates in Moncton are affected by local factors like winter driving conditions, commuting patterns, and claims trends. Insurers also consider your vehicle type, coverage choices, and claims history when calculating your premium.
Drivers in New Brunswick are required to carry at least $200,000 in third-party liability coverage, along with accident benefits, direct compensation property damage (DCPD), and uninsured automobile coverage. These mandatory coverages provide essential protection in the event of an accident.
You can lower your car insurance costs 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.
Yes, winter weather can affect insurance premiums in Moncton by increasing the risk of accidents and weather-related claims. Snow, ice, freeze-thaw conditions, and reduced visibility can all contribute to higher claim frequency during colder months.
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