$1,168
Average Annual Rate
$950 – $1,500
Typical Range
$200,000
Minimum Liability
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Key Information
| Information | Details |
|---|
| Average Rate | $1,168 |
| Rate Range | $950 – $1,500 |
| Minimum Liability | $200,000 |
| Regulator | Public Utilities Board (PUB) |
| Market Type | private, competitive |
Ways to Save on Insurance
- Bundle home + auto for multi-policy discounts.
- Winter tires are especially important in NL — ask about the discount.
- Shop every renewal.
- Moose collision add-on coverage is strongly recommended in rural areas.
Frequently Asked Questions
What is the minimum auto insurance in Newfoundland?
Newfoundland and Labrador requires $200,000 in third-party liability plus accident benefits and uninsured motorist coverage.
Why is car insurance so expensive in Newfoundland?
NL has some of the highest premiums in Atlantic Canada due to higher claim frequency, severe weather, and the risk of moose collisions.