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Compare and purchase the best
car insurance rates in Newfoundland.
Compare and purchase the best
car insurance
rates in Newfoundland.
Get free & accurate quotes from Canada’s top car insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top car insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
Type of auto coverage we provide
Liability Coverage
Provides protection against a lawsuit resulting from damaged property or personal injuries.
Comprehensive Coverage
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects among others. (subject to a deductible).
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.
Accident Forgiveness
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windshield Coverage
Windows are included in comprehensive* however; you have the option to remove this coverage to lower your premium. (*Not Included in Alberta.)
Car Rental Coverage
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
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.
Our Reviews
Comparing rates from Canada's leading Insurance Providers
Newfoundland Auto Insurance Rates Vs. the Rest
Newfoundland auto insurance is among the highest in Canada.


Average Rates

Newfoundland & Labrador






Northwest Territories




Nova Scotia


New Brunswick




Prince Edward Island


See how our customers save big on car insurance
At Surex, we’re dedicated to helping Newfoundlanders find the right insurance for the best price. Check out how we’ve helped these Newfoundland drivers save on auto insurance.




Average Quote

Purchased Quote


Chantel, Female, 27 yrs old

St. John's

Hyundai Elantra GL




Tyler, Male, 27 yrs old

St. John's

Subaru WRX




Chantal, Female, 44 yrs old


Jeep Patriot




How do I get the best car insurance rate?
Compare quotes! Surex partners with the top insurance providers in Newfoundland and Labrador to provide you with multiple quotes, ensuring you’re getting the best possible car insurance rate. You might also be eligible for car insurance discounts, such as a good credit discount or claims-free discount. Your Surex insurance advisor will work with you to help you find car insurance discounts you qualify for.

Car Insurance in Newfoundland - What You Need to Know

Car insurance is a personalized product and everyone's situation differs. Because of this, it is hard to determine an average price. To know what you would pay, you can simply fill out our online quote questionnaire to get your quote in a matter of minutes. You'll be linked to a Surex Advisor who can assist you and answer any questions you may have!

The cheapest auto insurance company in Newfoundland 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)
  • A Surex Advisor can help by automatically comparing quotes from the different carriers we work with: Intact, Travelers, and Aviva to find you the best coverage and rate for your situation

Newfoundland 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. (It speeds up the claims process and dissuades people from taking legal action).

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

Car insurance is mandatory in Newfoundland and Labrador and is provided by insurance companies and brokers. To help regulate and resolve any disputes for Nfld insurance, the Digital Government and Service NL are there to step in. 

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.

All the insurance companies in Newfoundland require drivers to have these 3 types of car insurance: 

  • 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. (As of Jan 1, 2020)

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 Newfoundland is by being a driver who is eligible for car insurance discounts. Having partnered with the top car insurance carriers in Nfld, 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.

Car insurance rates are determined by several factors, all of which contribute to the overall price you will pay. These are things that impact your car insurance rate:

  • your postal code
  • your driving history
  • your mileage
  • your car

In Newfoundland, the provincial government forbids insurers from using certain factors to determine car insurance rates, and this is seen as unique because they are standard factors in other provinces.

These factors include:

  • your age
  • your gender
  • your insurance history

Some other factors that cannot impact your car insurance rates include; your marital status, the age of your car, accidents in which you were not at fault, being previously refused insurance by another company and being insured with the Facility Association.

  • your car

Compare 10+ Quotes +


Speak to a Dedicated Advisor

Denae P.

Licensed Insurance Advisor

Insurance Broker

Find car insurance near you

Get the best car insurance rates in your city. We’ve partnered with the top insurance providers in Newfoundland and Labrador to help you secure the right coverage at the best possible price. Select your city to learn more.
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Newfoundland and Labrador auto insurance by city

How It works
How It works

Get a personalized quote in minutes! We’ll help you compare multiple offers from Canada’s top insurers. Your dedicated advisor is here to help every step of the way.

Why Surex?
Why Surex?

Surex makes it easy to compare, purchase, and save up to 25% on your insurance needs. We shop the market for you, finding the best rate for the coverage you need.


We’ll match you with a dedicated insurance advisor who can walk you through your options, answer your questions, and help you find the right coverage at the best price.

The Best Road-trip destinations in Newfoundland & Labrador

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 Newfoundland & Labrador to explore on your next road trip.

Bucket List items to do in Newfoundland
  1. Whale Watching
  2. Keep a lookout for Puffins
  3. Chase Icebergs
Top Attractions in Newfoundland
  1. Signal Hill National Historic Site
  2. Cape Spear Lighthouse
  3. East Coast Trail
Best Scenic Drives in Newfoundland
  1. Caribou Trail
  2. French Ancestors Route
  3. Captain Cook's Trail
Surex Insurance Tips & Advice
cost of living
3 min
We're always looking to save money! If you want to find ways to lower your living costs but are struggling to come up with ideas to do so, this article has 50 tips for you to lower your overall cost of living.
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