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Car Insurance Yukon

Multiple Car Insurance Quotes + a Real Person To Help You Along The Way

You can save up to 25% on car insurance in the Yukon by teaming up with Surex

Although Canada is commonly referred to as the Great White North, the Yukon takes this nickname to a whole new level. The Yukon is home to Canada’s tallest non-volcanic mountains, vast glaciers and even the world’s smallest desert. These attractions, among many others, are a handful of the unique reasons why Yukon is a fantastic place to live.

However, the Yukon is a vast territory, so you’re going to need to have a vehicle to travel from place to place. Because of this, you’ll also need to invest in car insurance in Yukon. If you need help finding high-quality coverage at a low price, you can rely on your Surex insurance broker.

At Surex, we’ve teamed up with the top car insurance companies in Canada in in order to offer the best deals on car insurance in the Yukon. Once we’ve answered all of your questions about finding car insurance in Yukon, we can help you save and compare insurance companies! Reach out to your personal Surex insurance advisor today to learn how we can help you find affordable online insurance quotes and potentially reduce your car insurance rates by up to 25%.

Comparing rates from Canada’s leading Auto insurance providers
Wawanesa Insurance
Pembridge Insurance
Intact Insurance
Jevco Insurance
Types of Coverage That Surex Provides Drivers in Yukon
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

Car Insurance in Yukon - What You Need to Know

Car insurance in Yukon is determined by a variety of factors. Three prominent ones are:

  • Insurance data - The geographic area in YT you live in can impact your auto insurance rates. For example, if you live in an area where there are minimal car insurance claims, then your auto insurance rates will be lower -- all things equal -- compared to if you resided in a place with frequent auto insurance claims.
  • Your personal driving history - The car insurer you choose for your auto insurance policy will verify your driving record. They need to know the amount of at-fault accidents you’ve had, as well as driving convictions. For both, the less you have, the better your rates can potentially be.
  • The type of auto insurance coverage you’re looking for - In YT, there are three degrees of auto insurance coverage for you to choose from:
  • Third Party Liability: As per Yukon law, this is the minimum car insurance coverage required.
    • Liability, Collision & Comprehensive: This is the maximum car insurance coverage available in YT. Many refer to this as full coverage.
    • Liability, Collision OR Comprehensive: If auto insurance was sized like parkas, this would be the medium. If you want more than the minimum but feel the maximum auto insurance coverage is too much for your needs, you can choose to add one of collision or comprehensive to your liability coverage.

It is important to note that If you are leasing or financing a vehicle, there’s a very high chance full coverage — liability, collision & comprehensive coverage — will be required on your vehicle, as per your leasing/financing agreement.

Aside from teaming up with the best insurance broker, the easiest way to get affordable car insurance in Yukon is by being eligible for car insurance discounts. The top car insurance companies in Canada will offer discounts to people that they deem their ideal client. The largest discounts people can get relate to paying your bills always on time and being a good driver. Simply put, if you always pay your bills and you have a great driving record, auto insurers want you!

  • Good credit discount - This is, usually, the largest discount car insurers will offer. Whether you’re a good driver or a bad driver, as long as you always pay what is owed, auto insurers will want your business. When completing an online car insurance quote on our website, you’ll be asked if we can do a soft hit of your credit score. This soft hit will not impact your credit rating. If the soft hit shows a credit score of 650+, you can be eligible for a car insurance discount of up to 20% off your annual auto insurance premium amount.
  • Claims-free discount - If you’re looking for a way to lower your car insurance premiums, be a good driver! Insurance companies will vary for how long their count an at-fault accident against you. If you’ve gone 6+ years, some insurers will offer a claims-free discount to you, which can save you up to 10% off your annual car insurance amount.
  • Conviction-free discount - If you’ve gone 3+ consecutive years with a traffic conviction (parking tickets & photo radar tickets don’t count), then you can be eligible for a convictions-free discount, which can lower your annual car insurance premium amount by up to 10%. Be sure to mention this to your insurance broker when you get an auto insurance quote.

The best way to lower your car insurance rates in Yukon as a new driver is to take, and pass, a certified driver’s training course.

New drivers have yet to build up a history of their driving, which is why rates tend to be a little higher for them -- because it’s unknown whether they’re going to be a safe driver or not. Statistics show new drivers, as a whole, tend to be more involved in accidents compared to more experienced drivers.

This is where passing a certified driver’s training course can really help a new driver, be it a teenage driver or someone new to Canada without proof of their driving history. Passing a certified driver’s training course increases your driver star rating by 2. Essentially, this is like adding two years of clean driving onto your driving record. Adding these “two years’’ of clean driving onto your record can lower your annual car insurance premium amount by up to 15%.

If you’re a new driver looking for an automobile insurance quote for the best insurance coverage, this is the best route to do so.

Top Attractions in Yukon
  1. Yukon Wildlife Preserve
  2. Miles Canyon
  3. MacBride Museum
Best Restaurants in Yukon
  1. Klondike Rib & Salmon
  2. Antoinette’s
  3. The Drunken Goat Taverna
Things to bring to Yukon
  1. Lots of wool layers
  2. Winter boots
  3. A toque
Yukon Auto Insurance Rates Vs. the Rest
The average auto insurance rate in Yukon is lower than most provinces in Canada.


Average Rates

British Columbia






Newfoundland & Labrador




Northwest Territories






Nova Scotia


New Brunswick




Prince Edward Island




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Do you have questions about car insurance in Yukon?

A variety of factors contribute to your unique car insurance in Yukon. These factors include your geographic area, degree of coverage you wish to have on your vehicle and your personal car insurance history. Compared to the rest of Canada, especially more populous provinces like British Columbia, Ontario and Alberta, residents of Yukon pay relatively affordable car insurance premium amounts.

It is against the law to drive without car insurance in Yukon. In Yukon, the minimum amount of coverage required on a vehicle you’re actively driving is third party liability. If you get pulled over and are found to be driving without insurance, then you’re at the mercy of Yukon law.

It depends on the degree of coverage you choose to have on your car. A more extensive car insurance policy in Yukon, like full coverage, will cost more — all things equal — than third party liability only because you’re protected against more things.

There isn’t a set ‘’cheapest’’ car insurance company in Yukon. If you want to get insurance online, shopping the market and having insurers vie for your business is the best way to find a low cost auto insurance rate. This is why Surex has partnered with Aviva, Intact & RSA in Yukon -- arguably the top insurance companies in the Yukon -- to get you multiple quotes and allow you to choose the most affordable car insurance rate.

Yes. Automobile insurance companies will allow you to choose how you pay your annual premium amount, be it with your credit card or by direct deposit.

Yes. In the event you get pulled over by a police officer, they will request to see your proof of insurance (pink cards). When you sign up for car insurance through Surex Direct, we will email you your temporary pink cards, which last for 30 days, for you to print and put in your vehicle. You will receive your real pink cards via mail from the online auto insurance company you choose to place your business with.

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