Compare and purchase the best car insurance rates in New Brunswick.
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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.
Quick facts about car insurance in New Brunswick
- The average car insurance premium in New Brunswick is about $1,475 per year, making it cheaper than in provinces like Ontario, Alberta, and British Columbia.
- New Brunswick operates under a no-fault insurance system, meaning drivers generally deal with their own insurer when filing a claim.
- Auto insurance is regulated by the Financial and Consumer Services Commission (FCNB), while the New Brunswick Insurance Board (NBIB) reviews and approves insurance rate changes.
- It is mandatory to have car insurance in New Brunswick. Drivers must have a minimum of $200,000 in third-party liability, Direct Compensation Property Damage (DCPD), uninsured automobile coverage, as well as accidents benefit coverage.
How to find the best car insurance rates in New Brunswick
Finding the best car insurance in New Brunswick starts with understanding the unique driving environment in the province. As one of Canada’s four Atlantic provinces, New Brunswick is less densely populated and includes large rural areas, forests, and wildlife habitats. Drivers often travel long distances between communities and may encounter hazards such as wildlife crossings, winter road conditions, and coastal weather. Because these factors can influence insurance risk and pricing, it’s important to choose a policy that reflects both your driving habits and where you live within the province.
The best way to secure competitive car insurance rates in New Brunswick is to compare quotes from multiple insurers by working with one of our dedicated insurance advisors who can review several options on your behalf. When comparing policies, make sure you evaluate the same coverage limits, deductibles, and optional protections. Drivers can often lower their premiums by bundling home and auto insurance, maintaining a clean driving record, and asking about available discounts. Taking the time to review your options ensures you find coverage that fits both your budget and the unique driving conditions across New Brunswick.
Recent auto quotes in New Brunswick
Understanding car insurance in New Brunswick
Like the rest of Canada, drivers in the province are legally required to carry auto insurance before they can operate a vehicle. Car insurance helps protect you financially if you’re involved in an accident, whether it causes injury to others or damage to vehicles or property. Basic coverage typically includes third-party liability, which pays for injuries or damage you cause to others, accident benefits, which provide medical and income support after a collision, and direct compensation property damage (DCPD), which covers repairs to your vehicle when another driver is at fault.
Driving in New Brunswick often involves travelling through a mix of city streets, highways, and rural roads surrounded by forests and wildlife. The province’s large rural areas and winding two-lane highways mean drivers may encounter long distances between communities and wildlife crossings such as deer and moose. Seasonal conditions like snow, ice, coastal fog, and heavy rain can also affect road safety. Because of these factors, many drivers choose to add optional coverage such as collision coverage for at-fault accidents and comprehensive coverage for risks like theft, fire, or vandalism.
Having the right car insurance policy ensures you’re protected no matter where your travels take you—whether you’re commuting in cities like Fredericton, Moncton, or Saint John, or exploring scenic coastal routes near the Bay of Fundy. Understanding your coverage options can help you choose a policy that fits your needs while giving you peace of mind on the road.
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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 |
Average Rates |
|---|---|
New Brunswick |
$1,475 |
Alberta |
$2,316 |
British Columbia |
$1,522* |
Manitoba |
$1,235* |
Newfoundland & Labrador |
$1,532 |
Northwest Territories |
$1,488 |
Nova Scotia |
$1,598 |
Nunavut |
$1,468 |
Ontario |
$2,318 |
Prince Edward Island |
$1,156 |
Quebec |
$1,176 |
Saskatchewan |
$1,361* |
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
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 most affordable 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 online auto 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 broker or 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 affordable car insurance 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 automobile 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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The Best Road-trip destinations in New Brunswick
Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in New Brunswick to explore on your next road trip.
Best Parks in New Brunswick
- Kouchibouguac National Park
- Fundy National Park
- Murray Beach Provincial Park
What is New Brunswick Known For?
- Untouched Wilderness
- Lobsters
- Bay of Fundy
Best Scenic Drives in New Brunswick
- Acadian Coastal Drive
- Appalachian Range Route
- Fundy Coastal Drive
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