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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on November 14, 2023

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated November 14, 2023

Visit author page

12 minute read

Article Contents

How Can You Get Cheap Car Insurance in Halifax?

The best way to get cheap car insurance in Halifax is to find the lowest-priced policies and reduce your risk profile, landing you more affordable premiums. Here’s how you can find the best insurance policy deals:

Purchase Safe and Reliable Cars

Most Canadian insurance companies use CLEAR (Canadian Loss Experience Automobile Rating) to determine a car’s safety and reliability. A high CLEAR score means the car is safer, leading to lower insurance premiums. 

Fortunately, the CLEAR database is open to the public, so you can check the score of any car model you have eyes on. If you buy a car with low CLEAR scores, prepare to pay higher Halifax car insurance premiums.

Consider Taking Usage-Based Insurance

Usage-based insurance (UBI) or pay-as-you-go insurance is great if you drive safely and don’t travel much. This insurance calculates your rates by analyzing your driving habits and car mileage. If you’re a proven safe driver, you can save up to 30% on premiums with UBI.

Pay Annual Premiums

Insurers give discounts if you pay premiums annually because you’ll be committed to them for the long haul. The initial expense is higher but, as the per-month cost is cheaper, so are the long-term savings.

If you can’t afford to pay a full year in advance, ask your insurance company about half-year premiums.

Practise Safe Driving

Accidents and traffic violations stay on your insurance record for a long time and can raise your rates. Keep your driving record clean to ensure you get the lowest Halifax auto insurance premiums. You can also take accredited driving lessons to show insurers you’re committed to driving safely and lower your rates further.

Remove Unnecessary Optional Coverage

Taking extra coverage options beyond the minimum requirement protects you from more hazards but raises your premiums. Consider skipping unnecessary optional coverage if you want to save money on car insurance.

Compare Policy Deals

Comparing deals between multiple insurance providers helps you identify which one offers the most value. To find the best deals, use MyChoice to compare Halifax car insurance quotes.

Consider Taking Usage-Based Insurance

Insurance companies give discounts for home and auto bundles because you’re giving them more business. In most cases, policy bundles are cheaper than individual home and auto policies from two different companies.

Ask For a Higher Deductible

You must pay deductibles on insurance claims before the financial benefits kick in. Higher deductibles mean paying more out of pocket in case of an accident, but the trade-off is lower insurance premiums. Conversely, lower deductibles reduce your out-of-pocket expenses but raise your insurance premiums.

Quick Facts About Auto Insurance in Halifax

  • Halifax car insurance is MORE expensive than the Nova Scotia average.
  • The average annual car insurance cost in Halifax for a driver with a clean record is around $1,629.
  • Drivers without a clean record in Halifax can pay up to $3,590 annually, depending on factors like driving and claim history.
  • Comparing Halifax auto insurance quotes with MyChoice can save you up to $1,157 annually

Who Provides Car Insurance Quotes in Halifax?

Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in Halifax. Here’s an overview of these four insurance quote providers:

Insurance Brokers

Insurance brokers don’t work for a specific company, so they can freely search the market and compare insurers to give you the best deals. Brokers understand the ins and outs of the Halifax insurance market, so you can ask them questions about auto insurance policies.

Direct Writers

Direct writers only sell policies from one insurer, like agents. However, they’re usually cheaper than insurance agents because they don’t have physical offices. Direct writers are great if you want to save money, but you can’t book face-to-face meetings with them.

Insurance Agents

Insurance agents work for one insurer, so they may offer fewer choices than insurance brokers. However, they know every minute detail of the products they’re selling and can even apply discounts that are unavailable to brokers. Agents can also close sales independently, meaning you’ll finish your policy sale quicker.

Insurance Aggregators

Insurance aggregator websites like MyChoice compile policy deals from numerous insurers to help you find the best-valued offers. Aggregators are usually free for customers, meaning you can find affordable auto insurance in Halifax without spending a penny.

How Does Car Insurance Work in Halifax?

Car insurance in Halifax works like most other provinces, where the insurer will provide a certain amount of money in case of an auto accident. Auto insurance is mandatory for all drivers in Halifax, so you must have an insurance policy to drive legally.

Getting caught driving without insurance means the Registry of Motor Vehicles will suspend your driving privileges. To drive again, you need to get insured and pay all fines. The first offence fine is $1,250, but repeat offenders can be charged up to $5,850.

By Nova Scotian law, you’re required to have the following auto insurance coverage:

  • $500,000 in third-party liability coverage
  • $50,000 in medical payments coverage
  • $2,500 in funeral expense coverage
  • Accident benefits coverage
  • Uninsured and unidentified driver coverage
  • Direct compensation for property damage (DCPD) coverage

Here’s an overview of the three major insurance coverage options:

Third-Party Liability (TPL)

TPL insurance pays out if you’re at fault for an accident that damages someone’s vehicle or gets somebody hurt or killed.

Direct Compensation for Property Damage (DCPD)

DCPD pays for your vehicle repairs if another insured driver causes an accident.

Accident Benefits

Accident benefits pay for medical bills, income replacement, and possibly funeral expenses for you, your passenger, or a pedestrian if they’re hurt or killed in a car accident.

You need all the previously-mentioned insurance coverage to drive legally in Halifax, but they don’t protect you from all the dangers. Here are some popular auto insurance coverage options you can consider adding to your plan:

Additional TPL Coverage

While the $500,000 TPL coverage minimum is higher than in other places like Ontario and Alberta, it’s still not a big number if you factor all potential expenses in. Some drivers take extra TPL coverage worth up to $2 million just in case.

Extra Accident Benefits

Accident benefits coverage is limited to $50,000 for four years after an accident. If you want to protect yourself from longer-term injuries or disabilities, you may need additional coverage.

Limited Depreciation Waiver

Having your car stolen or totalled in an accident means there’s almost no way to get it back. Fortunately, a limited depreciation waiver can refund your car’s purchase price in the case of a total vehicle loss.

Ridesharing Coverage

Rideshare drivers need extra insurance because they often drive longer and further than others, increasing their accident risk. To mitigate this risk, insurers offer special ridesharing coverage that protects drivers from accidents during their trips.

Collision Insurance

If you’re at fault, your mandatory insurance coverage doesn’t cover car repair costs. Collision insurance lightens the financial load of car repair costs if you’re ever at fault for an accident.

Comprehensive Insurance

External factors like weather, criminals, fire, and sometimes animal collisions can harm your car. Comprehensive insurance protection keeps your vehicle safe from these often unpredictable dangers, which makes it one of the most important options for additional coverage.

How Your Car Insurance Quotes Are Calculated in Halifax

Halifax insurers use several factors to calculate your car insurance rates. Here’s a look at what factors influence your Halifax auto insurance rates:

Personal Demographics

Personal demographics like age, gender, and marital status influence Halifax car insurance rates because they represent your driving risk.

Drivers under 25 often pay higher insurance premiums because they tend to be accident-prone, high-risk drivers. Once you hit 25, your insurance rates will start declining because you have more driving experience. However, your rates will rise again after age 65 because senior citizens are more likely to get hurt or die in car accidents.

Insurers give lower rates to women because they’re seen as more careful drivers. A similar logic applies to married people, who insurance companies think will take fewer risks because they have family waiting at home. Moreover, married people frequently bundle home and auto insurance, giving them better deals.

Residence

Residents of major cities like Halifax will likely get higher insurance rates because more cars lead to a larger accident risk. Major cities also see more crime, which increases the risk of theft and vandalism.

Driving History and Frequency

Accident-free drivers usually get lower auto insurance premiums in Halifax because insurers consider them lower-risk policyholders. Conversely, people with a long record of car accidents get higher auto insurance rates because insurers believe they’ll get into more accidents in the future.

Driving frequency is also related to accident risk because the more you drive, the more likely you’ll be involved in an accident. Someone who only drives on the weekend will get lower rates than someone who drives to work daily.

Vehicle Type

Not all cars are created equal – some are safer than others. Insurers use CLEAR (Canadian Loss Experience Automobile Rating) to measure a car model’s accident risk. Models that see lots of theft and accidents generally have a low CLEAR score, which means insuring them is more expensive.

Coverage Options

Extra insurance coverage protects your car from more hazards but increases your insurance premiums. Consider skipping unnecessary coverage options to save money on auto insurance.

Most Expensive Postal Codes in Halifax

The average car insurance rate in Halifax, Nova Scotia, is $1,629. The B3S region comprising Bayer’s Lake and part of the Birch Cove Lakes Wilderness area has the most expensive premiums.

Postal codeAverage annual car insurance premium
B3S$1,673

Least Expensive Postal Codes in Halifax

By comparison, the postal code with the lowest insurance rates in Halifax, Nova Scotia, is the B3N region, which includes Chocolate Lake, a popular tourist attraction in the Fairmount district.

Postal codeAverage annual car insurance premium
B3N$1,601

Car Insurance Cost in Halifax by Age

Younger drivers often have to pay higher insurance rates because they lack driving experience. However, student drivers can keep their premiums low by enrolling in driving classes, applying for student discounts, or listing themselves as secondary drivers on a parent’s insurance policy.

While rates typically decrease as drivers age, seniors pay higher rates because they are more likely to sustain severe injury or even death after an accident.

In Halifax, the median driving age is 36. Below is a closer look at how your age can directly impact insurance rates:

AgeAverage annual insurance costAverage savings with MyChoice
18-20$5,816$1,157
21-24$3,323$661
25-34$2,215$441
35-44$1,629$324
45-54$1,336$266
55-64$1,135$226
65+$1,294$257

Car Insurance Cost in Halifax by Driving History

While you can get insurance even with poor driving history, your rates will likely be higher. Insurance companies base rates on your driving habits. If you are a high-risk driver, insurers might anticipate that you are more likely to get into an accident. Thus, they charge higher rates.

In Halifax, a driving ticket stays on your record for two years, while at-fault accidents remain for six years. Once these recordings have been expunged, insurers can no longer penalize drivers.

Consider how the following driving violations can affect your insurance rates:

Driving violationAverage annual car insurance rate
Clean driving record$1,629
Insurance cancellation due to non-payment$2,672
Licence suspension for alcohol-related offences$1,952
One accident$3,590
Speeding ticket$2,121

Other Factors That Affect Car Insurance Prices in Halifax

Insurers calculate your auto insurance rates based on many factors. Here are some additional things that could influence your Halifax car insurance rates:

Vehicle Model Age

Older car models usually get higher insurance rates because they have fewer safety measures than newer models and spare parts may be rarer. Ensure you can afford the insurance before buying a vintage car.

Local Crime Rates

High crime rates mean that vandalism and theft are more common. Insurers often assign higher rates to residents of high-crime areas to offset the higher risk of theft and vandalism.

Loyalty Bonuses

Insurance companies often reward long-time customers with discounts and other benefits. Consider asking your insurer about rate reductions or special discounts if you’ve been a policyholder for several years.

The Best Car Insurance Brokerages in Halifax

Car insurance brokerages can take the stress off your shoulders by comparing insurance quotes and presenting you with the best ones. 

If you’re unsure what type of coverage or broker you need, check MyChoice – we can provide tips and recommendations. Below are a few of the best brokerages in the Halifax area:

BrokerageAddressPhone number
Stanhope Simpson Insurance Ltd3845 Joseph Howe Dr #300
Halifax, NS B3L 4H9, Canada
+19024548641
Eisenhauer Insurance Inc325 Washmill Lake Dr suite 6
Halifax, NS B3S 1M7, Canada
+19024545888
Cluett Insurance3660 Commission St
Halifax, NS B3K 0A5, Canada
+19024665328

Driving in Halifax

Halifax is a scenic city with relatively low insurance rates. However, it is home to many wild animals that wander the roads, so you’ll want to drive carefully and have the right coverage. In addition, Halifax is one of the most dangerous cities in Canada to drive in, so you should always be mindful of road rules. 

When driving in Halifax, keep these other key facts in mind:

  • Major highways: Highway 111
  • Public transit options: Halifax Transit Bus Service
  • Ridesharing services: Uber, Lyft, Ola, Didi
  • Parking space providers: City of Halifax, Impark
  • Top tourist attractions: Halifax Citadel National Historic Site, Old Town Clock, Halifax Waterfront, Canadian Museum of Immigration, Maritime Museum of the Atlantic, Halifax Public Gardens
  • Busy intersections: South Park Street to Spring Garden Road, Lacewood Drive to Dunbrack Street, Joseph Howe Drive and Dutch Village Road
  • Airports: Halifax Robert L. Stanfield International Airport

Main Mode of Commuting in Halifax

Out of 154,785 commuters in Halifax, 82.5% of them do so in cars, trucks, or vans. Personal vehicles are by far the most popular commuting method in Halifax. Meanwhile, public transit users and pedestrian commuters land second and third place at 8.1% and 7.3%, respectively. Here’s more detailed information about the commuting modes in Halifax:

Main mode of commutingCountsRates
Total – 25% sample data154,785100.0
Car, truck or van126,11081.5%
Car, truck or van – as a driver114,12073.7%
Car, truck or van – as a passenger11,9907.7%
Public transit12,5408.1%
Walked11,2507.3%
Bicycle1,1450.7%
Other method3,7352.4%

Commuting Duration in Halifax

Just under half of Halifax commuters spend 15 to 29 minutes on their trip. For a city that’s a major tourist destination, this is a reasonable commute time. In fact, 30.4% of Halifax’s commuters spend less than 15 minutes getting to work. Check the table below for a closer look at the commuting duration in Halifax:

Commuting durationCountsRates
Total – 25% sample data154,785100.0
Less than 15 minutes47,09530.4%
15 to 29 minutes67,24543.4%
30 to 44 minutes27,64517.9%
45 to 59 minutes6,7154.3%
60 minutes and over6,0803.9%

Driving Conditions in Halifax

Halifax is a combination of urban, suburban, and rural areas with a significant wildlife population. It experiences short, warm summers and a moderately cold winter.

  • Average daily commute time: 60 minutes round trip
  • Average annual rainfall: 38.3 mm
  • Average annual snowfall: 1,542 mm
  • Rainy days per year: 38 days
  • Rainiest month in Halifax: May
  • Driest months in Halifax: February
  • Snow days per year: 69 days
  • Snowfall months in Halifax: December – March

Traffic in Halifax

Halifax is a major tourist destination in Nova Scotia, bringing hundreds of cars to the road each year. Here’s what you can expect on top of regular traffic jams in the area: 

  • Population: Roughly 417,000 people live in Halifax.
  • City area: The Halifax city limits span 238.29 km2.
  • Busiest highways: The busiest highway in Halifax is the Nova Scotia Highway 102.
  • Average number of collisions: Halifax has a collision frequency of 7.9 per 100 automobiles.

The Most Common Questions About Car Insurance in Halifax

How much does Halifax car insurance cost?

The average cost of Halifax car insurance is $1,629 a year or $135.75 a month.

What’s the process for Halifax car insurance claims?

The process for Halifax car insurance claims involves calling your insurance provider as soon as possible, preferably within 24 hours of the accident. Prepare details like your policy number and the details of the damage or injury. 

If possible, provide photographic evidence of the scene. If the accident involves another party, ensure that you collect their information.

How does Halifax car rental insurance work?

Halifax car rental insurance works by adding SEF27 to your existing insurance. This type of insurance applies your existing insurance to a rental car and includes third-party liability and accident benefits. 

However, you can only cover your rental car for damage if your policy includes collision insurance. If you don’t have car insurance, you can typically purchase collision insurance on a rental car with your credit card.

What are the best car insurance companies in Halifax?

The best car insurance companies in Halifax include TD, Aviva, and Intact. However, you can explore other options better suited to your vehicle through MyChoice. Insurance companies always change their prices, so we can help you compare quotes with up-to-date information.

How can I get high-risk car insurance in Halifax?

You can get high-risk car insurance in Halifax through the Facility Association, which can find a company willing to provide a policy. You may need to pay significantly more for high-risk car insurance if you have numerous tickets or convictions on your record.

Do I need winter tires in Halifax?

No, you don’t need winter tires in Halifax. However, many insurance companies recommend it during the winter months to prevent accidents on the road.

Is roadside assistance required in Halifax?

No, roadside assistance is not required in Halifax. However, it can provide peace of mind in case of an engine malfunction, drained battery, or punctured tire.

Why is car insurance cheaper in Halifax?

Car insurance is cheaper in Halifax because of provincial government reforms. Since the early 2000s, the Nova Scotia government has been significantly increasing the number of providers available to drivers in the region. Now, you can pick from over 65 companies with cheaper insurance premiums.

How long do driving offences last on my driving record in Halifax?

Driving offences last between three and four years on your driving record in Halifax.

Is car insurance cheaper in Halifax than in St. John?

Car insurance is cheaper in Halifax than in St. John. By comparison, insurance in St. John costs $2,093, over $400 more expensive than the Halifax average.

Who has the cheapest auto insurance in Halifax?

You can find the cheapest auto insurance in Halifax by comparing quotes with MyChoice.

Which cars get the lowest car insurance premiums in Halifax?

Commonly driven cars like some Hondas and Mazdas get the lowest car insurance premiums in Halifax. 

Why should you compare car insurance rates in Halifax?

You should compare car insurance rates in Halifax because it has a surplus of providers with varying rates. The best way to find a good rate is to plug your postal code into MyChoice.

What information do you need for an auto insurance quote in Halifax?

The information you need for an auto insurance quote in Halifax are your postal code, vehicle make and model, and other basic information. The more information you provide, the more accurate your insurance quote will be.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Age, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2023.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2023.

5. City of Halifax Website, Driving & Transit Information. Data Collected, 2023.

6. Statistics Canada, 2021, Census of Population, Nova Scotia, Halifax, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Nova Scotia, Halifax, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Nova Scotia, Halifax.

9. Transportation Alberta Mapping, Nova Scotia, Halifax.

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