Car Insurance in New Brunswick
Exploring the scenic coastline or navigating the bustling streets of New Brunswick (NB) is always an adventure. But before you hit the road, having the right car insurance in NB is essential. More than just a legal requirement, the right coverage gives you peace of mind, protecting you and your vehicle from the unexpected.
Ready to find the perfect car insurance in New Brunswick? Get a quote today to drive with confidence.
Types of car insurance in New Brunswick
Motorcycle insurance
Offers the coverage you need to drive a motorcycle, moped, or scooter on public roadways with peace of mind.
Off-road vehicle insurance
Get an off-road vehicle insurance policy for your snowmobile or all-terrain vehicle, best suited for those with a taste for adventure.
Rental car insurance
A more cost-effective alternative to getting insurance through the rental company while still getting the protection you need.
RV insurance
With similar coverages to car insurance, RV insurance policies also address the unique features of having a home on wheels.
Commercial car insurance
Whether you have one commercial vehicle or a fleet, we have the commercial car policy you need.
Car insurance in New Brunswick, explained
In New Brunswick, having auto insurance is mandatory for all drivers. Private insurance providers offer various options, allowing residents to create a policy that best suits their needs.
Drivers in New Brunswick are required to carry mandatory coverages such as Third-Party Liability, Accident Benefits, Direct Compensation for Property Damage, and Uninsured Automobile coverage. These coverages provide the basic protection needed to drive legally. Drivers can enhance their policies with optional coverages like Comprehensive, Collision, Family Protection, and others for well-rounded protection.
This coverage protects you financially if you’re responsible for damages or injury to another person or their property. This can include the cost of covering damage you may cause to the property of others, the cost of medical care, legal fees, and settlement costs. The minimum you must be covered for is $200,000, but this can be increased to up to $2 million with most providers.
Accident benefits coverage is an important part of every car insurance policy in New Brunswick. It kicks in if you or someone else has been injured in a collision. This coverage can extend to any drivers, passengers, or bystanders involved in the incident. Offering coverage for medical care and rehab, income replacement, death and funeral expenses, and more, it is an important part of your car insurance coverage.
Suppose your car’s been damaged in a collision or accident with another vehicle where you’re not at fault. In that case, you can file a claim directly with your insurer for vehicle repairs and other property damaged in the accident. This covers damages, excluding injuries.
This part of your policy offers protection if you’ve been involved in an accident with an uninsured or underinsured. Be covered for injuries and damages to yourself and your vehicle.
Often mistaken as being part of your standard car insurance in New Brunswick, Collision is an optional coverage you can add for extra peace of mind. It’ll cover instances where your vehicle has been damaged in an accident with another vehicle, and you’re at fault.
This coverage protects against damage or loss caused by events like fire, theft, and falling objects damage caused by things other than a collision.
If you cannot use your car because of an insured loss or damage, this provides coverage for transportation replacement or a rental vehicle.
This coverage protects your family if the at-fault driver’s coverage isn’t enough. In the event of injury or even death with an underinsured, uninsured, or unidentified driver, Family Protection will cover you up to your maximum liability coverage.
Offered by many insurance companies in New Brunswick, Ticket and Accident Forgiveness are optional coverages you can add to avoid having your premium go up after your first conviction or at-fault accident.
What factors determine the cost of car insurance in New Brunswick?
The type of car you drive will impact your premium, depending on factors including its safety rating and the general cost of repairs. The likelihood of it being involved in a collision or theft will also impact your price.
Convictions like speeding tickets, at-fault collisions, and other driving infractions will impact how much you pay for car insurance in New Brunswick. Parking tickets aren’t taken into consideration.
Rates can vary depending on where you live. Whether you’re in a neighbourhood that’s deemed high-risk for incidents, out in the country where driving longer distances is more common, or in the city where there are more cars on the road, where you’re driving the most will affect how much you pay for car insurance in New Brunswick.
Your daily commute will be factored into your car insurance premium. The more you’re on the road, the more at risk you’ll be of being involved in a collision.
If drivers are in your home without their own car insurance policy, you’ll need to add them to yours. This can impact how much you pay for car insurance in New Brunswick.
How to save on car insurance in New Brunswick
If you’re looking for affordable car insurance in NB, there are a few ways to save on car insurance in New Brunswick.
Review your coverages and limits with your broker
Working with an advisor to optimize your coverage to ensure it fits your needs and lifestyle is a great way to cut costs and avoid paying for protection you may not want or need.
Change your deductible
Raising your deductible is another way to reduce your premium. A higher deductible means you’d be paying more out of pocket in the event of a claim, but it could help you save on your monthly insurance cost.
Ask about discounts
Take advantage of the discounts offered by your provider. Many insurance companies in New Brunswick offer a selection of discounts you may be eligible for, such as being claims-free or bundling your home and car policies.
Use telematics or tracking programs
Finally, inquire about telematics or tracking programs. Providers will sometimes offer a percentage off your insurance if you allow them to assess your driving habits using a telematics app or device in your car.
Discounts on New Brunswick car insurance
Multi-line
Insure your home or other vehicles with the same provider for extra savings.
Mature customer
Customers 65+ can save more on car insurance.
Renewal
Enjoy a loyalty discount when you stay with your insurance provider for multiple consecutive years.
Claims-free
Get rewarded for having a good car insurance claims history.
Driver training
Save more on your car insurance when you’ve completed a recognized driving training program.
Westland for your New Brunswick car insurance needs?
Expert advisors go above and beyond
Our advisors go the extra mile every step of the way and do the legwork to provide personalized car insurance coverage in New Brunswick to suit your lifestyle.
Our extensive network of insurers means more choice
We have a large network of insurers we can tap into - guaranteeing great rates and options - so you know you’re not missing out.
We work hard to make things simple
Whether you're looking for the right vehicle insurance in New Brunswick or navigating a claim, we keep things simple and use language that everyone can understand.
Get coverage that goes further with Westland Insurance
Example of a car insurance claim in New Brunswick
You’re on the road with your family when you get rear-ended by another vehicle. What now?
Once you file a claim, your car insurance may spring into action with different parts of your policy stepping in to help:
Direct Compensation Property Damage
Your bumper’s been dented by the collision. Direct Compensation may help get it repaired as soon as possible.
Accident Benefits
Accident Benefits may cover medical expenses to cover your injuries and lost income while you recover.
Family Protection
This coverage may help address medical costs or injuries to your family members if the other driver is underinsured or uninsured.
Connect with us
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Find a branch
Come in and speak to an advisor to get a customized policy made just for you.
Request a quote
Start an online quote at your convenience, and we’ll help you select a plan that works for you.
FAQs about car insurance in New Brunswick
Accident Benefits, Direct Compensation – Property Damage (DCPD), and Uninsured Motorist.
There are a few ways to save on car insurance in New Brunswick.
- Work with a broker to optimize your coverage to ensure it fits your needs and lifestyle – this will help prevent paying for coverage you may not need.
- Consider raising your deductible. A higher deductible means you’d be paying more out of pocket in the event of a claim, but it could help you save on your monthly insurance cost.
- Take advantage of the discounts offered by your provider – many insurance companies in New Brunswick offer a selection of discounts you may be eligible for, for things like being claims-free or bundling your home and car policies.
Drivers with a valid licence, permission to drive your car, and not specifically excluded from your policy can drive your vehicle.
Accident Benefits, Direct Compensation – Property Damage (DCPD), and Uninsured Motorist. However, adding additional coverages like Collision and Comprehensive is strongly recommended to round out your protection. Speak to a local advisor for advice on what you should add to your basic NB car insurance policy.
No, driving without insurance is illegal in New Brunswick. If caught, you could face fines, license suspension, and difficulty obtaining insurance in the future.
New Brunswick operates under a no-fault insurance system for certain claims. This means your own insurance company covers damages to your vehicle and certain medical expenses, regardless of who is at fault.
Yes, many insurers offer discounts for:
- Safe driving records
- Bundling multiple policies (e.g., home and auto insurance)
- Having winter tires
- Completing a driver’s training course
Buy car insurance in New Brunswick with confidence
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