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Compare and purchase the best
car insurance rates in the Northwest Territories.
Compare and purchase the best
car insurance
rates in the Northwest Territories.
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
The Northwest Territories Auto Insurance Rates Vs. the Rest
Residents of the Northwest Territories pay relatively modest premiums, compared to the rest of Canada.


Average Rates

Northwest Territories






Newfoundland & Labrador




Nova Scotia


New Brunswick




Prince Edward Island


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




Average Quote

Purchased Quote


Karime, Male, 41 yrs old


Toyota Corolla




Donovan, Male, 31 yrs old


Subaru Outback




Attanda, Female, 43 yrs old


Ford Explorer




How do I get the best car insurance rate?
Compare quotes! Surex partners with the top insurance providers in Northwest Territories 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 the Northwest Territories - What You Need to Know

A few key factors go into pricing auto insurance in the Northwest Territories. They are:

  • Insurance data — The geographic area you live in can impact your car insurance rates. For instance, if you live in an area that sees minimal auto insurance claims, then your car insurance rate will be less — all things equal — compared to if you live in an area that has a high amount of car insurance claims.
  • Your personal driving history — The auto insurer you choose for your car insurance needs will need to know, and verify, your prior driving history. This relates to at-fault accidents, as well as driving tickets/convictions.
  • The type of auto insurance coverage you’re looking for — In Northwest Territories, there are three degrees of car insurance coverage available. They are:
    • Third-Party Liability: By law in Northwest Territories, this is the minimum auto insurance coverage required.
    • Liability, Collision & Comprehensive: This is the maximum amount of auto insurance coverage available in Northwest Territories. Often referred to as full coverage.
    • Liability, Collision OR Comprehensive: If auto insurance was sized like sweaters, this would be the medium. If you want more than the minimum but feel the maximum coverage is too big/much, you can choose to add one of collision or comprehensive to your liability coverage.

If you’re leasing or financing a vehicle, know that there’s an extremely large chance full coverage — liability, collision, and comprehensive coverage — will be required on your vehicle, as per your leasing/financing agreement.

Aside from teaming up with the best insurance broker, the clearest path to getting more affordable car insurance rates in the Northwest Territories is by being eligible for auto insurance discounts. Auto insurers offer discounts to qualified individuals, as they deem them a client they’d like to have. The type of clients car insurers want are those that always pay their bills and those that are great drivers.

  • Good credit discount — Typically, this is the largest car insurance discount auto insurers will offer. Because of this, whether when filling out an online car insurance quote on our website, or when speaking with your Surex Personal Assistant, you’ll be asked if we can do a soft hit of your credit score. This soft hit will not impact your rating. If the soft hit shows your credit is 650+, you can be eligible for an auto insurance discount that can save you up to 20% off your annual car insurance premium amount.
  • Claims-free discount — One of the best ways to demonstrate you’re a responsible driver is to not be involved in at-fault accidents. Shocking, we know! If you’ve gone 6+ years without an at-fault claim on your record, it’s a good idea to shop the market and compare insurance companies. Some insurers will offer a claims-free discount of up to 10% off your annual premium amount to earn your business.
  • Conviction-free discount — Avoiding traffic tickets, for an extended amount of time, usually shows how dedicated you are to obeying traffic laws. Or you’re super lucky… Regardless, if you’ve gone three (or more) years without a traffic conviction, you’re eligible to receive a convictions-free discount, which can lower your auto insurance premium amount by up to 10%.

The easiest way to obtain affordable car insurance rates from an auto insurance company in the Northwest Territories, as a new driver, is to pass a certified driver’s training course.

As a new driver, you have yet to build up a history demonstrating your driving ability, for better or worse. Because of this, auto insurers rely on their data, which shows new drivers tend to be involved in more at-fault accidents.

Again, you personally, have yet to accrue driving history to show otherwise. This is where passing a certified driver’s training course comes in. Most of the top car insurance companies in Canada will increase your driver’s star rating by two stars for passing a certified driver’s training course. This uptick in star rating is the equivalent of adding two clean years of driving to your record.

Going from zero years of clean driving history to two years, via a certified driver’s training course, can save you up to 15% off your annual auto insurance premium amount.  

Whether you’re a new driver, or a driver from a foreign country without access to your previous country’s driver’s abstract, consider this option if you want to get an automobile insurance quote for low-cost auto insurance in the Northwest Territories.

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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 Northwest Territories to help you secure the right coverage at the best possible price. Select your city to learn more.
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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 The Northwest Territories

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 The Northwest Territories to explore on your next road trip.

Best Attractions in the Northwest Territories
  1. Aurora borealis
  2. Fishing
  3. Hunting
Best Landmarks in the Northwest Territories
  1. Nahanni National Park Reserve of Canada
  2. Great Slave Lake
  3. Virginia Falls
Best Restaurants in the Northwest Territories
  1. Zehabesha Traditional Ethiopian Food
  2. The Woodyard Brewhouse & Eatery / NWT Brewing Co
  3. Dancing Moose Cafe
Surex Insurance Tips & Advice
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