Compare and purchase the best car insurance rates in New Brunswick.
In New Brunswick, factors like winter weather, wildlife-related collisions, and local claims history can all influence car insurance costs. The province’s no-fault system means drivers work directly with their own insurer after an accident, regardless of fault, which affects how claims are handled and what costs are covered.
Comparing quotes is one of the most effective ways to find competitive rates in New Brunswick. Surex makes it easy to compare 10+ quotes from licensed New Brunswick insurers, so you can review coverage options and pricing all in one place.
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.
How car insurance works in New Brunswick
Car insurance in New Brunswick operates under a no-fault system, which affects how claims are handled and what costs are covered after an accident. In most cases, you’ll work directly with your own insurer for certain benefits, helping simplify the claims process.
It is mandatory to have car insurance in New Brunswick. Drivers must have a minimum of $200,000 in third-party liability, along with direct compensation property damage (DCPD), uninsured automobile coverage, and accident benefits. Car insurance is regulated by the Financial and Consumer Services Commission of New Brunswick (FCNB), while the New Brunswick Insurance Board (NBIB) reviews and approves insurance rate changes.
What affects car insurance costs in New Brunswick?
Car insurance costs in New Brunswick are shaped by a combination of provincial rules, driving conditions, and risk patterns that influence how insurers assess and price coverage. While individual factors like your driving history still matter, the province’s insurance system also plays a role in how premiums are calculated.
Key factors include:
- Provincial system and coverage requirements: New Brunswick’s no-fault system and mandatory coverage influence how claims are handled and how costs are distributed.
- Driving conditions and geography: Rural roads, long travel distances, and wildlife crossings can increase risk in certain areas.
- Weather-related risks: Winter conditions and coastal weather in NB can lead to higher claim frequency.
- Claims history and local trends: Regional claims patterns and repair costs can affect how insurers price coverage over time.
- Driver profile: Your driving record, age, and annual mileage all play a role in determining your premium.
- Vehicle and coverage choices: The type of vehicle you drive, your coverage limits, and deductible will impact your overall cost.
Recent auto quotes in New Brunswick
We compare quotes from licensed insurers in New Brunswick
Surex works with a wide network of trusted insurance providers, helping New Brunswick drivers compare
coverage options and choose policies that fit their needs and budget.
What New Brunswick 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.
Devin was very quick to respond to all my numerous questions and making modifications to our application where necessary. He helped us find exactly what we were looking for!
Highly recommend Miguel. He was able to get me into the right product at a lesser price than I expected. Got everything done in a day would’ve been quicker if Autoplus did not crash. Five stars!!!!
Great experience with Prat from Surex . He managed to get things done in a day while everyone else said it will take at least 2 weeks. He understood complicated file quickly and managed to help me out with it . I got Auto insurance at the best rate! I was with TD insurance previously and paid wzy more for exsact tje same policy. I paid it upfront and once time came to an end they did not call or email or any notification about it and just canceled!!! Then told me it will take 2 weeks to get the new one . And I work as a Realtor so to have my car available to drive its absolutely necessary. Very disappointing TD .. I am happy I find Prat he definitely fixed a huge issue.
Manjinder Singh was incredibly helpful. He got me set up with my new auto insurance as soon as it was possible with no issues. He was curteous, knowledgeable and professional. Definitely an asset to your team. Great experience all around.
I’ve had a pleasant experience with Dayana.
She’s everything I want in a service provider. Respectful of time, quick responses, provides clarity on time when required, follows up as promised. She has made this process easier!
New Brunswick auto insurance rates vs. other provinces in 2026
Find out how much drivers in New Brunswick pay on average for their annual car insurance premium, and compare auto insurance prices across the country.
Province |
Annual Premium |
Monthly Premium |
|---|---|---|
New Brunswick |
$1,475 |
$122.92 |
Alberta |
$2,316 |
$193.00 |
British Columbia |
$1,522* |
$126.83 |
Manitoba |
$1,235* |
$102.92 |
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 New Brunswick – FAQs
Yes, car insurance is mandatory in New Brunswick. All drivers in the province are required to carry minimum levels of coverage, including third-party liability, accident benefits, uninsured automobile coverage, and direct compensation property damage.
Drivers in New Brunswick are required to carry minimum levels of coverage, including third-party liability, accident benefits, uninsured automobile coverage, and direct compensation property damage.
- Third-party liability: Covers costs if you’re responsible for injuries to others or damage to their property
- Accident benefits: Covers medical expenses, rehabilitation, and income support after an accident
- Uninsured automobile: Protects you if you’re involved in an accident with an uninsured or unidentified driver
- Direct compensation property damage (DCPD): Covers damage to your vehicle when another driver is at fault
Car insurance in New Brunswick costs around $1,475 per year on average. However, costs can vary widely based on your location, driving history, vehicle type, and coverage choices.
Car insurance rates in New Brunswick are influenced by factors such as your location, driving record, vehicle type, coverage choices, and deductible. Insurers also consider your age, claims history, and annual mileage when calculating your premium.
You can lower your car insurance premiums by bundling policies, maintaining a clean driving record, increasing your deductible, and comparing quotes from different insurers. Your dedicated Surex insurance advisor can help you identify savings opportunities and choose coverage that fits your needs and budget.
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Helpful auto insurance guides
These guides help New Brunswick drivers understand how car insurance works, including coverage basics, cost factors, and tips for comparing policies.
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