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Halifax Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$84.22Jul 24, 2024, 04:44 PMAuto63FemaleM1J2C8
$43.53Jul 24, 2024, 06:04 PMHome47MaleL7P1Y9
$29.37Jul 24, 2024, 09:54 AMTenant41MaleN8W5N7

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

Updated on May 16, 2024

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

Updated May 16, 2024

Visit author page

4 minute read

Article Contents

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 comprehensive/collision coverage and a clean record is around $1,100.
  • Comparing Halifax auto insurance quotes with MyChoice can save you up to $1,157 annually.

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

Most Expensive Postal Codes in Halifax

The average car insurance rate in Halifax, Nova Scotia, is $1,100. 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$1,173

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$1,001

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$3,927$781
21-24$2,244$446
25-34$1,496$298
35-44$1,100$219
45-54$902$179
55-64$767$153
65+$874$174

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$1,100
Insurance cancellation due to non-payment$1,804
Licence suspension for alcohol-related offences$1,320
One accident$2,420
Speeding ticket$1,430

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 around $1,100 a year.

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 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.

How can you get cheaper car insurance in Halifax?

Compare car insurance rates in Halifax with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Nova Scotia, Halifax, Car Insurance Quotes Collected, 2024.

5. City of Halifax Website, Driving & Transit Information. Data Collected, 2024.

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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