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Compare and purchase the best
car insurance rates in New Brunswick.
Compare and purchase the best
car insurance
rates in New Brunswick.
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
New Brunswick Auto Insurance Rates Vs. the Rest
The average auto insurance rates in New Brunswick is similar to other Atlantic Provinces.


Average Rates

New Brunswick






Newfoundland & Labrador


Northwest Territories




Nova Scotia




Prince Edward Island


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




Average Quote

Purchased Quote


John, Male, 26 yrs old


Ford Fusion SE




Daniel, Male, 53 yrs old

Mcleod Hill

Chevrolet Silverado




Grace, Female, 19 yrs old


VW Jetta




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

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 most affordable 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 online auto 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 in New Brunswick 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 and 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 broker or advisor for optional coverages. Such enhancements to your car insurance policy in New Brunswick 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 affordable car insurance in New Brunswick is by being a driver who is eligible for car insurance discounts. Having partnered with the top car insurance carriers in New Brunswick, 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 automobile insurance premium amount.
  • Claims-free discount - If you’ve gone at least six 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 three 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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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 New Brunswick to help you secure the right coverage at the best possible price. Select your city to learn more.
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New Brunswick 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 New Brunswick

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 New Brunswick to explore on your next road trip.

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
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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