Getting car insurance in Moncton means accounting for busy regional roads, regular travel between Moncton, Dieppe and Riverview, and difficult winter conditions. Wheeler Boulevard, Route 15 and the Trans-Canada bring local commuters, visitors and commercial vehicles through the area. Snow and freezing rain can also increase the risk of collisions and weather-related vehicle damage.
This page explains what Moncton drivers can expect to pay, how premiums differ by postal code, driving record and vehicle, and what coverage is included in the quoted price.
What Drivers Pay for Car Insurance in Moncton
The median annual quote for Moncton is $1,460, or about $122 a month. Use that as a local reference point. Your address, vehicle, record and selected protection still determine the actual quote.
| Median annual premium | $1,460 |
| Median monthly premium | $122 |
| Moncton premium vs. New Brunswick Median | 2.4% more expensive |
| Cheapest Postal Code | E1X ($1,204) |
| Most Expensive Postal Code | E1K ($1,781) |
Cheapest and Most Expensive postal codes in Moncton
E1K and E1H share the highest median premium in this analysis at $1,781. E1X has the lowest at $1,204, creating a $577 difference between the highest and lowest results shown.
| Postal Code | Median annual car insurance premium |
|---|---|
| E1K | $1,781 |
| E1H | $1,781 |
| E1N | $1,742 |
| E1E | $1,507 |
| E1G | $1,460 |
| E1B | $1,456 |
| E1C | $1,422 |
| E1A | $1,393 |
| E1X | $1,204 |
What Makes Up the Moncton Premium?
Required coverage represents $891 of Moncton’s $1,460 median annual premium. Collision and comprehensive account for another $557, making vehicle damage protection a significant part of the quoted price.
| Part of the policy | What is included | Median annual car insurance premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; DCPD; Uninsured Automobile; Accident Benefits | $891 |
| Vehicle damage protection | Collision; Comprehensive | $557 |
| Optional endorsements included | SEF 44 – Family Protection | $12 |
| Coverage Total: | $1,460 |
What Tickets and Claims Can Cost Drivers in Moncton
A minor speeding ticket raises the Moncton median from $1,460 to $1,639. One at-fault accident has the largest effect in this table, increasing the result to $2,714. Ask each insurer how long an incident remains rateable, since the period and surcharge can vary.
| Driving record | Median annual car insurance premium |
|---|---|
| Clean | $1,460 |
| Minor speeding ticket | $1,639 |
| One at-fault accident | $2,714 |
| Insurance cancellation (non-payment) | $2,279 |
| Licence suspension | $1,752 |
| Impaired driving conviction | $2,695 |
| Stunt driving conviction | $2,178 |
Read More: What New Brunswick’s Impaired-Driving Penalties Mean for Moncton Drivers
Regional-Hub Traffic and Winter Weather in Moncton
Wheeler Boulevard and the Trans-Canada carry commuters, visitors and commercial traffic through Moncton. Make sure your annual kilometres and regular regional travel are reported accurately, and leave more space between you and other cars during freezing rain, when stopping distances change quickly.
Read More: How to Drive More Safely in Moncton’s Freezing Rain
The Most Common Questions About Car Insurance in Moncton
How much does Moncton car insurance cost?
The median shown on this page is $1,460 per year for the clean driver profile used in the analysis. A personal quote can be much higher or lower because of the vehicle, address, record and coverage. Compare identical policy details before deciding whether a price is competitive.
Does my Moncton car insurance work in the US?
A New Brunswick auto policy will generally provide coverage while you drive temporarily in the United States, subject to the policy’s territory, limits and exclusions. Check with your insurer before a longer trip and consider whether your liability limit is adequate for travel outside Canada.
Why should you compare car insurance rates in Moncton?
Different insurers can quote the same Moncton driver differently. Comparing quotes with the same liability limit, deductibles and optional coverage helps you identify the policy that offers the best value.
How can you get cheaper auto insurance in Moncton?
Compare car insurance rates in Moncton with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.
