Driving in New Brunswick can range from city streets to long stretches of Routes 1, 2 and 11. Driving conditions can be affected by snow, freezing rain, wildlife, and limited repair options in smaller communities.
On this page you will find information on the different kinds of car insurance that are available in New Brunswick, and how premiums are determined. It covers the mandatory and optional coverage that should be considered when purchasing insurance.
Auto insurance rates in New Brunswick displayed here are based on auto insurance quotes gathered by MyChoice between January and June of 2026.
New Brunswick Car Insurance at a Glance
The median annual quote in New Brunswick is $1,426, or roughly $119 per month. Use that as your local benchmark. Your exact quote will be determined by your address, car, driving record and coverage options.
| Median annual premium | $1,426 |
| Median monthly premium | $119 |
How Car Insurance Premiums Differ Between New Brunswick Cities
The median quoted premium for Moncton residents is $1,460 annually. That’s $108 more than in Fredericton ($1,352). The difference between those two cities is minimal compared to the $1,207 jump associated with having one at-fault accident listed elsewhere on this page.
The takeaway for those comparing the two markets is that address is important, but your driving history and other parts of your rating profile can play a larger role.
| City | Median annual car insurance premium |
|---|---|
| Moncton | $1,460 |
| Fredericton | $1,352 |
Who Provides Car Insurance Quotes in New Brunswick?
New Brunswick car insurance quotes come from insurance brokers, agents, aggregators, and direct writers. All of them sell car insurance, but there are differences between them. Here’s a quick overview of what each type of insurer sells:
How the New Brunswick Premium Is Calculated
The $860 mandatory coverage is about 60% of the provincial rate. There’s another $555 that goes towards covering your own car in case of collision and comprehensive loss.
It’s worth paying attention to these coverages in New Brunswick since a deer strike and storm damage would typically fall under separate sections of the policy.
| Part of the policy | What is included | Median annual car insurance premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; DCPD; Uninsured Automobile; Accident Benefits | $860 |
| Vehicle damage protection | Collision; Comprehensive | $555 |
| Optional endorsements included | SEF 44 – Family Protection | $11 |
| Coverage Total: | $1,426 |
Tips to Get Cheap Car Insurance in New Brunswick
To get cheap car insurance in New Brunswick, you want to seek out low-price insurance policies and lower your risk level so that you get lower rates. Here’s how to shop for the best insurance deals:
| 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 by Driving Record
A single minor speeding ticket would add $170 (or 11.9%) to the premium for someone with a clean record. However, one at-fault accident increases the median by $1,207 (or 84.6%). And a policy cancellation due to nonpayment raises the median by $757, indicating that paying your bills on time could make quite a difference.
| 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 |
Read More: A Guide to New Brunswick’s Revised Impaired-Driving Penalties
What Else Impacts Your Rates in New Brunswick?
Your car insurance premiums are calculated by insurers using a number of different variables. Here are some other things that may affect your car insurance rates in New Brunswick:
Wildlife, Rural Distances, and Winter Roads in New Brunswick
In New Brunswick, long highway journeys and unpredictable winter conditions are typical. Take a look at the 511 site prior to travelling, bring suitable winter items, and evaluate whether to buy loss-of-use protection in case you can’t easily arrange alternative transport following a covered incident.
Read More: Roadside Assistance Options for Long New Brunswick Drives
The Most Common Questions About Car Insurance in New Brunswick
How much is car insurance in New Brunswick?
The median on this page is $1,426 per year for the clean driver profile used for this analysis. Your own quote could be significantly higher or lower due to the car, address, record and coverage. Make sure to compare like policy details to determine if you’re getting a good deal.
Why should you compare car insurance rates in New Brunswick?
Be sure to compare car insurance quotes in New Brunswick to find the right coverage for your needs. Each insurer calculates your risk based on a different set of criteria, which means that comparing quotes for the best car insurance can help you save money.
Is auto insurance cheaper in New Brunswick compared to Nova Scotia?
But for this comparison, let’s use the $1,426 and $1,567 figures. Be sure to compare the same driver, car, coverage limits and deductibles before coming to a conclusion. Insurance systems vary province by province, so what may look like apples-to-apples in terms of prices isn’t always comparable.
Who regulates car insurance in New Brunswick?
Insurers and intermediaries are licensed and their market conduct is supervised by the Financial and Consumer Services Commission, while automobile insurance rates are regulated by the New Brunswick Insurance Board.
Is car insurance mandatory in New Brunswick?
New Brunswick requires all drivers to carry car insurance. Penalties for operating a vehicle without car insurance include fines, possible jail time, and licence suspension.
Is usage-based insurance available in New Brunswick?
That’s right, usage-based insurance is available in NB!
