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New Brunswick Car Insurance

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Car insurance = safety and protection

The province of New Brunswick is roughly square-shaped and borders both Quebec (to the north) and the United States (to the west). It is linked by a bridge to Prince Edward Island, which serves as a valuable retail and transportation hub, and a gateway from central Canada and the US to the rest of Atlantic Canada and Europe. From here, it is easy to travel to many major North American cities, including Toronto, Montreal, Boston, and New York. Water surrounds the other parts of the province, with the Atlantic ocean to the East and the Bay of Fundy to the South. The southeast corner of the province is connected to Nova Scotia at the isthmus of Chignecto. New Brunswick is one of the four Atlantic provinces in Canada that are the least populated with a high density of forests, wildlife, and rural areas.

When you own a car, getting auto insurance is mandatory by law across Canada. Whether you're commuting to work every day, or just using your vehicle to run weekly errands, you need car insurance. It protects you (the driver), your passengers, and pedestrians in the event of an accident. So, before you get behind the wheel talk to your Surex Advisor who can help you get on the road today! 

Comparing rates from Canada’s leading Auto insurance providers
Wawanesa Insurance
Pembridge Insurance
economical
Intact Insurance
TuGo
travelers
Jevco Insurance
Types of Coverage we Provide
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

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 available 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 & 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 policy 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 NB, 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 6 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 3 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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Have questions? We’ve got answers:

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 NB -- available. However, we can show you the car insurance New Brunswick providers 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 amount.

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 2-5% 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 NB insurance provider offers.

Surex compares quotes from several insurance providers 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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