New Brunswick driving ranges from city streets to long stretches of Routes 1, 2 and 11. Snow, freezing rain, wildlife and limited repair options in smaller communities can all affect a trip.
This page compares premiums across the province and shows the effect of age, driving record and vehicle. It also explains how mandatory protection and physical-damage coverage make up the quoted price.
The New Brunswick pricing figures use about 1,000 auto insurance quotes collected through MyChoice from January to June 2026. We report the median because a few unusually high or low quotes should not set the benchmark.
New Brunswick Car Insurance at a Glance
The median annual quote for New Brunswick is $1,426, or about $119 a month. Use that as a local reference point. Your address, vehicle, record and selected protection still determine the actual quote.
| Median annual premium | $1,426 |
| Median monthly premium | $119 |
How Can You Get Cheap Car Insurance in New Brunswick?
The best way to get cheap car insurance in New Brunswick 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:
Who Provides Car Insurance Quotes in New Brunswick?
Insurance brokers, agents, aggregators, and direct writers provide car insurance quotes in New Brunswick. While they all offer auto insurance, they specialize in different things. Here’s a quick look at each insurance provider type:
What Car Insurance Covers in New Brunswick
The $1,426 benchmark represents a full policy, not just New Brunswick’s legal minimum. Mandatory protection includes liability, direct compensation property damage, accident benefits and uninsured automobile coverage, while collision and comprehensive protect your own vehicle in additional situations. Optional protection can raise the price, but removing it also shifts more repair or replacement risk to you, so compare the deductible and coverage limits as carefully as the premium.
How the New Brunswick Premium Is Divided
The largest parts of the New Brunswick premium pay for required protection and damage to the insured vehicle. For local drivers, Routes 1, 2 and 11, winter weather and rural distances make the collision, comprehensive and endorsement choices worth reviewing closely. A lower deductible costs more up front but requires less cash after a covered claim.
| Part of the policy | What is included | Median annual car insurance premium |
|---|---|---|
| Legally required coverage | $860 | |
| Vehicle damage protection | Collision Comprehensive | $555 |
| Optional endorsements included | SEF 44 – Family Protection | $11 |
| Coverage Total: | $1,426 |
How Your Car Insurance Quotes Are Calculated in New Brunswick
New Brunswick insurers use several factors to calculate your car insurance rates. Here’s a look at what factors influence your New Brunswick auto insurance rates:
Highest Car Insurance Premiums in New Brunswick
Moncton’s median quoted premium is $1,460 a year, which is $108 more than Fredericton’s $1,352. That city gap is small next to the $1,207 increase associated with one at-fault accident elsewhere on this page. For drivers comparing the two markets, the result is a reminder that address matters, but driving history and the rest of the rating profile can have a larger effect.
| City | Median annual car insurance premium |
|---|---|
| Moncton | $1,460 |
| Fredericton | $1,352 |
New Brunswick Auto Insurance Rates by Age Group
The age profiles show a wide spread, from $1,426 to $3,909 in the figures discussed here. Experience and insurance history usually matter most for a new driver. Quote the exact vehicle and ask whether recognized training or prior experience changes the result.
| Age | Median annual car insurance premium |
|---|---|
| 18-20 | $3,909 |
| 21-24 | $2,345 |
| 25-34 | $1,548 |
| 35-44 | $1,426 |
| 45-54 | $1,352 |
| 55-64 | $1,300 |
| 65+ | $1,288 |
Car Insurance in New Brunswick: Clean Record vs. Violations
A clean record is quoted at $1,426, while the incidents discussed here raise the price to as much as $1,596. That difference can last beyond the first renewal. Ask how long the incident remains rateable and avoid reducing essential coverage just to offset the increase.
| Driving record | Median annual car insurance premium |
|---|---|
| Clean | $1,426 |
| Minor speeding ticket | $1,596 |
| One at-fault accident | $2,633 |
| Insurance cancellation (non-payment) | $2,183 |
| Licence suspension | $1,761 |
| Impaired driving conviction | $2,606 |
| Stunt driving conviction | $2,108 |
New Brunswick Premiums by Vehicle Model
The Nissan Sentra is lowest at $1,269, but added utility does not always create a large insurance jump. Purchase price alone does not explain the difference. Repair complexity, theft experience, parts availability and claim severity can matter, so quote the exact model year and trim before buying.
| Vehicle model | Median annual car insurance premium |
|---|---|
| Toyota Corolla | $1,416 |
| Toyota Camry | $1,369 |
| Honda Civic | $1,438 |
| Honda CR-V | $1,382 |
| Hyundai Elantra | $1,342 |
| Mazda CX-5 | $1,313 |
| Kia Forte | $1,387 |
| Nissan Sentra | $1,269 |
| Volkswagen Jetta | $1,517 |
| Chevrolet Equinox | $1,308 |
| Ford Escape | $1,473 |
| RAM 1500 | $1,420 |
| Tesla Model 3 | $1,540 |
| BMW X3 | $1,446 |
| Jeep Wrangler | $1,563 |
| Lexus RX350 | $1,634 |
Read More: A Guide to New Brunswick’s Revised Impaired-Driving Penalties
New Brunswick Car Insurance Trends
The 2026 New Brunswick benchmark is $1,426 a year. Because it is a median from quotes collected during the first half of 2026, it is best used as a current study reference rather than proof that every driver in the province pays the same amount or saw the same change.
When comparing this figure with an older price, check whether the driver, vehicle, coverage limits, deductibles and study period match. A difference can come from the profile or method as well as broader changes in insurance costs.ate fell to the current $763/year, which makes New Brunswick one of the cheapest provinces for car insurance in Canada.
Other Factors That Affect Car Insurance Prices in New Brunswick
Insurers calculate your auto insurance rates based on many factors. Here are some additional things that could influence your New Brunswick car insurance rates:
Wildlife, Rural Distances, and Winter Roads in New Brunswick
Long highway distances and fast winter weather changes are common across New Brunswick. Check 511 before leaving, carry winter supplies and consider loss-of-use coverage where a replacement vehicle may be hard to arrange.
The commuting and population figures below describe New Brunswick in the 2021 Census. They are useful background, not live travel information. Check current road, weather and municipal notices before leaving.
Read More: Roadside Assistance Options for Long New Brunswick Drives
Main Mode of Commuting in New Brunswick
Cars, trucks, and vans are the most popular modes of commuting in New Brunswick, with 269,215 out of 292,725 of the province’s total commuters taking private vehicles to work. Of the 92% commuter share, 83.9% are drivers, while the remaining 8% are passengers.
Pedestrians come at a distant second, with just a 4.2% share of commuters, followed by users of other transit methods with a 2% share.
| Main mode of commuting | Counts | % Rate |
|---|---|---|
| Total – 25% sample data | 292,725 | 100% |
| Car, truck or van | 269,215 | 92% |
| Car, truck or van – as a driver | 245,720 | 83.9% |
| Car, truck or van – as a passenger | 23,500 | 8% |
| Public transit | 4,345 | 1.5% |
| Walked | 12,305 | 4.2% |
| Bicycle | 1,130 | 0.4% |
| Other method | 5,725 | 2% |
Commuting Duration in New Brunswick
In general, commutes in New Brunswick aren’t very long. 44.9% of commuters get to work in less than 15 minutes, while 35.8% spend 15 to 29 minutes commuting. Commutes of over one hour are very rare in the province, with only 3.6% of commuters spending over 60 minutes on the road.
| Commuting duration | Counts | % Rate |
|---|---|---|
| Total – 25% sample data | 292,725 | 100% |
| Less than 15 minutes | 131,495 | 44.9% |
| 15 to 29 minutes | 104,705 | 35.8% |
| 30 to 44 minutes | 34,810 | 11.9% |
| 45 to 59 minutes | 11,180 | 3.8% |
| 60 minutes and over | 10,530 | 3.6% |
The Most Common Questions About Car Insurance in New Brunswick
How much is car insurance in New Brunswick?
The median shown on this page is $1,426 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.
Why should you compare car insurance rates in New Brunswick?
You should compare car insurance rates in New Brunswick to find the best protection for your budget. Different insurers prioritize different aspects of your profile when calculating your risk, so shopping for the best deals can help you save money.
Is auto insurance cheaper in New Brunswick compared to Nova Scotia?
The figures discussed here are $1,426 and $1,567. Compare the same driver, vehicle, liability limit and deductibles before drawing a conclusion. Provincial insurance systems can cover different risks, so headline prices are not always equivalent.
Who regulates car insurance in New Brunswick?
The Financial and Consumer Services Commission regulates car insurance in New Brunswick. This government body regulates, oversees, and licences insurers and insurance intermediaries in the province.
Is car insurance mandatory in New Brunswick?
Car insurance is mandatory in New Brunswick. If you’re found driving without car insurance, you may face fines, jail sentences, and licence suspensions.
Is usage-based insurance available in New Brunswick?
Yes, usage-based insurance is available in New Brunswick.