Newfoundland driving can be taxing for any driver, with long distances, coastal fog, high winds, and unpredictable weather. Remote areas may also have wildlife on the roads and limited services, which are risks you wouldn’t typically encounter in cities.
Your MyChoice car insurance quote will show what is included in the premium and what Newfoundland and Labrador drivers can expect to pay. Prices vary by vehicle type, driving record and experience. The page also reviews protection for wild animal collisions, harsh weather and long drives away from larger centres.
Actual quotes collected through MyChoice from January to June 2026 form the basis of the Newfoundland rates shown here.
How Much is Car Insurance in Newfoundland?
According to our internal data, the median car insurance quote in Newfoundland is $1,550 per year, or $129 per month.
| Median annual premium | $1,550 |
| Median monthly premium | $129 |
Understanding Newfoundland’s Auto Insurance Coverage
$401 of your premium provides collision and comprehensive coverage for your vehicle. The majority of the premium provides liability, DCPD, uninsured automobile coverage, and the other injury coverages you have elected.
Interestingly, eligible direct contact with a moose is normally treated differently from a crash caused by swerving to avoid one, which makes Comprehensive particularly relevant in Newfoundland.
| Part of the policy | What is included | Median annual car insurance premium |
|---|---|---|
| Legally required coverage | Third-Party Liability; DCPD; Uninsured Automobile; | $995 |
| Vehicle damage protection | Collision; Comprehensive | $401 |
| Optional coverages included | Accident Benefits; SEF 44 – Family Protection | $154 |
| Coverage Total: | $1,550 |
Accident benefits can be excluded because they are optional in Newfoundland. Before removing this or any other optional protection, speak with a licensed professional.
How Your Car Insurance Quotes Are Calculated in Newfoundland
Since 2005, Newfoundland and Labrador insurers have not been allowed to use age, gender or marital status directly when setting an automobile insurance rate. They assess the driver, vehicle, location, use and selected coverage. A person’s driving experience and insurance history may still affect the quote.
From the insurers’ perspective, these are the most important considerations when calculating your quote:
Car Insurance for Specific Demographics in Newfoundland
In Newfoundland, all drivers need car insurance to drive legally. It doesn’t matter your age, race, gender or anything else. However, some drivers wonder if there are specific demographics that get preferential treatment for car insurance in the province.
The following section looks at whether a driver’s demographic group changes how they obtain insurance.
How Your Record Affects Car Insurance in Newfoundland
At $3,768, an impaired-driving conviction produces the highest figure and may leave a driver with fewer regular-market options. An at-fault accident increases the clean-record premium by $1,334, or 86.1%, while a minor speeding ticket adds $451, or 29.1%.
| Driving record | Median annual car insurance premium |
|---|---|
| Clean | $1,550 |
| Minor speeding ticket | $2,001 |
| One at-fault accident | $2,884 |
| Insurance cancellation (non-payment) | $1,853 |
| Licence suspension | $1,814 |
| Impaired driving conviction | $3,768 |
| Stunt driving conviction | $2,809 |
Read More: What Happens to Insurance Costs After a Car Accident
Moose, Fog, Wind, and Long-Distance Driving in Newfoundland
Long-distance driving in Newfoundland can be risky because fog, crosswinds and moose may appear without notice. Reduce your speed after dark and carry emergency gear when travelling beyond the main population centres.
How Can I Save on Car Insurance in Newfoundland?
While the key goal should be finding auto insurance in Newfoundland that provides the best value, there are ways for you to reduce premiums.
Other Factors Influencing Your Auto Insurance Premium
Besides the above, there are other things that affect your Newfoundland car insurance premiums. Some of those are:
Newfoundland Car Insurance Costs by Vehicle
Insurers look at technology, repair costs, parts availability, theft experience and claim history for the specific model. Before buying, Newfoundland drivers should quote the intended trim and model year instead of judging insurance by purchase price alone.
| Vehicle model | Median annual car insurance premium |
|---|---|
| Toyota Corolla | $1,543 |
| Honda Civic | $1,571 |
| Honda CR-V | $1,431 |
| Hyundai Elantra | $1,535 |
| Mazda CX-5 | $1,387 |
| Volkswagen Jetta | $1,628 |
| Ford Escape | $1,656 |
| RAM 1500 | $1,593 |
| Tesla Model 3 | $1,620 |
| BMW X3 | $1,527 |
| Lexus RX350 | $1,793 |
Who Provides Car Insurance Quotes in Newfoundland?
The following types of car insurance quotes are available from insurance brokers, agents, aggregators and direct writers in Newfoundland. Each type of insurance quote has its own advantages:
The Most Common Questions About Car Insurance in Newfoundland
Are Newfoundland drivers allowed to carry digital proof of car insurance?
Where an insurer offers electronic proof of automobile insurance, a customer may choose to accept it. Carry a paper card when entering jurisdictions that might not accept electronic proof.
Is there a cancellation of sales tax on car insurance in Newfoundland?
Please note that while other taxes exist in the insurance system, the reference here is only to the retail sales tax (RST) paid by consumers. The government of Newfoundland and Labrador has eliminated RST on automobile insurance. This applies to insurance contracts issued or renewed on or after April 15, 2019.
What is the cheapest car insurance in Newfoundland for new drivers?
Compare quotes from different insurers on MyChoice to find the cheapest car insurance available to you. The cheapest auto insurance for new drivers in Newfoundland depends on your budget and your needs.
Do I need winter tires in Newfoundland?
For ordinary passenger vehicles, Winter tires are not legally mandatory. Insurers must nonetheless offer a discount for qualifying private passenger vehicles, with each insurer deciding the amount.
Does Newfoundland have no-fault insurance?
Direct compensation forms part of Newfoundland’s no-fault insurance system. Instead of claiming from the at-fault driver’s insurer, the person who is not responsible files with their own insurer.
Is there high-risk auto insurance in Newfoundland?
If you’re looking for high-risk auto insurance in Newfoundland, it’s available through the Facility Association or certain insurance companies.
How do I file a car insurance claim in Newfoundland?
Auto insurance claims start by contacting your insurer. Make sure to call them as soon as possible after an accident.
How long do violations stay on my driving record in Newfoundland?
Although traffic violations remain on Newfoundland driving records for two years, their influence on insurance premiums may continue afterward.
How long do I have to notify my insurance company of vehicle change in Newfoundland?
If you’re changing cars in Newfoundland, you need to tell your insurance company right away. If you don’t, you don’t have insurance on the new car, and therefore cannot drive it.
Is car insurance mandatory in Newfoundland?
Car insurance is required in Newfoundland. You may face fines or licence suspensions if you drive without car insurance.
Is insurance on a leased car more expensive in Newfoundland?
Some leasing companies require $1 million or more in liability coverage and physical-damage coverage. However, this is a term of your lease agreement and is not a minimum coverage requirement for leased vehicles imposed by provincial law.
Is roadside assistance required in Newfoundland?
Newfoundland law does not require roadside assistance. Even so, it remains highly recommended.
What are the penalties for driving without insurance in Newfoundland?
In Newfoundland, driving a vehicle without insurance can result in fines, vehicle impoundment and driver licence suspensions.
What is the minimum legal driving age in Newfoundland and Labrador?
Drivers may be licensed from age 16 in Newfoundland and Labrador. Parental consent is also required for anyone under 19 seeking a learner’s licence.
What kind of auto insurance system do Newfoundland and Labrador have?
Newfoundland and Labrador has direct compensation for auto insurance. This means that the person who is not at fault files their claim with their own insurer.
When did taxes come off auto insurance in Newfoundland?
In Newfoundland and Labrador, retail sales tax has been eliminated on automobile insurance agreements entered into or renewed on or after April 15, 2019.
Who handles auto insurance complaints in Newfoundland?
Auto insurance companies in Newfoundland will usually have a complaints liaison officer or ombudsman to handle complaints.
Who sets auto insurance rates in Newfoundland?
Insurance companies in Newfoundland set their own rates for auto insurance, though the province’s Board of Commissioners of Public Utilities approves them.
Why are insurance rates in Newfoundland and Labrador so high compared to the rest of Atlantic Canada?
Compared with the other Atlantic provinces, Newfoundland and Labrador has high auto insurance rates. Drivers there submit many claims, leaving insurers to pay more in insurance benefits.
