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Car Insurance New Brunswick

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

Want to save up to 25% on car insurance in New Brunswick?

Vast bridges, enormous lobsters, and Maritime charm; these are some of the first things that come to mind when you think of New Brunswick. You can spend your days walking along the shoreline or exploring all of the nooks and crannies in this beautiful province. If you ever want a temporary change of scenery, you’re in luck. New Brunswick neighbours Quebec and New York, which means many major cities are a short drive away.

Speaking of driving, you won’t get very far if you don’t have car insurance in New Brunswick. Car insurance is legally required in New Brunswick, so you need to make sure that your policy is valid and up-to-date.

Are you having a hard time finding cheap car insurance in New Brunswick? Surex is here to help! Our team of licensed insurance advisors works side-by-side with the best car insurance carriers in New Brunswick. Working closely with the top car insurance providers allows us to offer unbeatable deals and discounts. Contact us today to save 25% on car insurance!

Comparing rates from Canada’s leading Auto insurance providers
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Types of Coverage Surex Provides to Drivers in New Brunswick
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

Best Parks in New Brunswick
  1. Kouchibouguac National Park
  2. Fundy National Park
  3. Murray Beach Provincial Park
What is New Brunswick Known For?
  1. Untouched Wilderness
  2. Lobsters
  3. Bay of Fundy
Best Scenic Drives in New Brunswick
  1. Acadian Coastal Drive
  2. Appalachian Range Route
  3. Fundy Coastal Drive
New Brunswick Auto Insurance Rates Vs. the Rest
Compare the average auto rates from across Canada. These figures are from the Insurance Bureau of Canada, BC - Better Auto Insurance (2020) & Insurance Bureau of Canada, (2017) website.

Province

Average Rates

British Columbia

$1,832

Ontario

$1,505

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

Car Insurance In New Brunswick — What You Need to Know

According to the IBC, the average car insurance rate in New Brunswick is $867 per year or about $75 per month. Of course, it is always recommended that you plan to pay more in case the rate you get is above average.

New Brunswick has graduated driver licensing (GDL), which is focused on experience and not age. As a new driver, you can expect to pay more for insurance. Generally, the younger the driver, the more expensive it will be to get car insurance coverage. But, rates for young drivers tend to drop until the driver turns 25 and is no longer part of that high-risk group. New drivers can expect to pay around $1083.75 in New Brunswick for car insurance coverage.

The cheapest auto insurance company in New Brunswick will vary, based on a few factors, including:

  • Your personal driving history
  • The amount of coverage you require
  • Car insurers history of insuring a vehicle in your area (the amount of car insurance claims near you)

New Brunswick car insurance uses a no-fault system. This means that you only ever deal with your own insurance company for any claims regardless of who was at fault for the accident. Under the no-fault model, anyone injured in traffic accidents is entitled to full medical and rehabilitation treatment, income replacement, and other benefits depending on the severity of their injuries. But, if you are a victim of an accident caused by a careless or bad driver, you do not collect damages from them.

Pros: Quick claim payouts and a reduced number of lawsuits for minor injuries.

Cons: Raises car insurance premiums and is difficult for drivers to get compensation for pain and suffering.

Car insurance in New Brunswick is mandatory and is provided by private insurance companies and brokers and is regulated by the Financial and Consumer Services Commission (FCNB). They are responsible for the administration and enforcement of provincial legislation that regulates securities, insurance, pensions, credit unions, trust and loan companies, cooperatives (and more).

The three types of auto insurance in New Brunswick are:

  • Third-Party Liability: this is the legal minimum of car insurance coverage needed in NB. Third-party liability insurance aims to protect you if you are involved in an accident, and may have to make a payment to another party.
  • Liability, Collision & Comprehensive: Also known as full coverage, this is the maximum auto insurance coverage available.
  • Liability & Collision OR Comprehensive: If you own your vehicle outright and are looking for more than the minimum auto or car insurance coverage, but not quite the maximum amount, this is where you’ll find what you need.

If you’re leasing or financing a vehicle, there’s a 99% chance that liability, collision and comprehensive coverage – full coverage – is required on the vehicle, as part of your leasing/financing agreement.

In New Brunswick, there are four mandatory coverages you need for car insurance, by law, and they include the following:

  • Third-Party Liability - Coverage in case you injure someone or damage their property.
  • Accident Benefits - Coverage for injuries you sustain in a car accident.
  • Uninsured Motorist - Coverage for injuries you and your family sustain following an accident with an uninsured driver.
  • DCPD (direct compensation, property damage) - pays for the damage to your car if you're found not-at-fault in an accident.

Similar to home insurance, if you feel you need more coverage, you can easily ask your insurance advisor for optional coverages. Such enhancements to your car insurance policy in New Brunswick include:

  • Collision insurance: pays to repair or replace your car if you're at fault in a collision
  • Comprehensive insurance: protection against theft, vandalism, and inclement weather
  • All perils: includes collision, comprehensive and protection if someone steals your car
  • Specified perils: protects against specific risks (that you name) such as lightning, hail, flood etc...

The easiest way to get cheap auto insurance rates in New Brunswick is by being a driver who is eligible for car insurance discounts. Having partnered with the top car insurance carriers in New Brunswick, Surex is able to offer an array of discounts to people looking to lower their annual car insurance premiums. Auto insurance discounts include:

  • Good credit discount - Auto insurers want clients that always pay their bills. Having a credit score above 650 (we will verify this by doing a soft hit of your credit score, with your permission) can save you up to 20% off your annual car insurance premium amount.
  • Claims-free discount - If you’ve gone at least six years without an at-fault accident, this extended run of safe driving highlights to car insurers that the odds of you being at fault in an accident is lower than normal. Because of this, some auto insurers will offer a claims-free discount to you, which can save you up to 10% off your annual auto insurance premium amount.
  • Conviction-free discount - Another way to demonstrate that you’re less of a risk to auto insurers is by going at least three years without a driving ticket (photo radar & parking tickets don’t count). Similar to a claims-free discount, a tickets-free discount can save you up to 10% off your annual car insurance amount.

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Do you have questions about car insurance in New Brunswick?

In essence, yes. This is because most people in New Brunswick will choose to have third-party liability coverage only on their vehicle, the cheapest option – and a legal minimum of coverage in New Brunswick – available. However, we can show you the car insurance providers in New Brunswick can offer you, and help you understand your coverage options.

The cheapest auto insurance company in New Brunswick will vary, based on a few factors, including:

  • Your personal driving history
  • The amount of coverage you require
  • Car insurers history of insuring a vehicle in your area (the amount of car insurance claims near you)

There isn’t a set cost for car insurance in New Brunswick. Again, factors at play in determining your car insurance quotes are your personal driving history, your geographical location, and the amount of coverage you require on your vehicle.

Working with your Surex Personal Assistant, they will do all they can to lower your annual car insurance premium in New Brunswick.

Depending on your past history of paying your auto insurance bills on time, car insurers can give you the option to choose whether you pay for your annual premiums annually or monthly.

If you pay your car insurance amount in full, upfront, this will save you 2% to 5% off your annual auto insurance premium amount, compared to paying monthly, if that option is available to you.

As New Brunswick’s online car insurance marketplace, Surex has partnered with the top insurers in the province to get you cheap auto insurance in New Brunswick. Our auto insurance partners include Pafco and Coachman.

Yes. In the vast majority of cases, car insurers will give you – their valued client – the option to pay by credit card or direct deposit. There may be different benefits associated with different payment methods, so make sure you understand all the benefits your New Brunswick insurance provider offers.

Surex compares quotes from several insurance providers in New Brunswick to help you find a rate and a coverage plan that fits you. We shop around for you to find the best package for you. You could save a significant amount by comparing quotes from several car insurance companies, and Surex does that. Surex also leverages our partnerships with our insurance providers to get you deals for auto insurance in New Brunswick that may not be available anywhere else. We compare quotes from all our partners and help you understand them, to help you get the plan that works best for you.

​​If you cannot get car insurance because you are considered a high-risk driver, then you can use the Facility Association. This is an organization that is funded by all insurance companies in New Brunswick and operates as the insurer of last resort.

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