Compare and purchase the best
car insurance rates
in Nova Scotia.
Windows are included in comprehensive* however; you have the option to remove this coverage to lower your premium. (*Not Included in Alberta.)
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Our Reviews
Nova Scotia Auto Insurance Vs. the Rest
Province |
Average Rates |
---|---|
Nova Scotia |
$2,003 |
Ontario |
$2,816 |
Alberta |
$2,316 |
Newfoundland & Labrador |
$2,756 |
Northwest Territories |
$1,867 |
Nunavut |
$1,468 |
New Brunswick |
$1,720 |
Yukon |
$1,728 |
Prince Edward Island |
$1,494 |
See how our customers save big on car insurance
Customer |
City |
Vehicle |
Average Quote |
Purchased Quote |
Savings |
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Car Insurance in Nova Scotia - What You Need to Know
A few key factors are highly influential in determining online insurance rates for vehicles in Nova Scotia. They are:
- Insurance data - This relates to the geographical location you reside in NS. If you live in an area that experiences car insurance claims more frequently, then your auto insurance price will be – all things equal – higher compared to someone in an area with minimal auto insurance claims.
- Your personal driving history - The car insurer you choose to place your business will need to verify your prior driving history. Be prepared to disclose your most recent six (or more) years of car insurance claims history, as well as your most recent three (or more) years of driving convictions (excludes photo radar & parking tickets).
- The type of auto insurance coverage you’re looking for - In Nova Scotia, the three degrees of car insurance coverage available are:
- Third Party Liability: By law, this is the minimum car insurance coverage required in NS.
- Liability, Collision & Comprehensive: This is the maximum amount of car insurance coverage available in NS. Also known as full coverage.
- Liability, Collision OR Comprehensive: If car insurance was sized like shirts, this would be the medium. If you want more than the minimum but feel the maximum coverage is too big/much, you can choose to add one of collision or comprehensive to your liability coverage.
If you’re financing or leasing a vehicle, know that there’s a 99% chance full coverage – liability, collision & comprehensive coverage – will be required on your vehicle, as part of your financing/leasing agreement.
The best way to keep your auto insurance costs down is to be eligible for auto insurance discounts. Car insurance companies in Nova Scotia will offer discounts as a way to incentivize people they deem as their ideal clients. Hint: car insurance companies want clients that always pay their bills and/or responsible drivers.
- Good credit discount - Like any other industry in the world, companies want to attract clients that always pay their bills. When filling out an online car insurance quote, we’ll ask your permission to do a soft hit of your credit score. This soft hit will not impact your credit score. If your credit score is 650+ then many auto insurers will offer you a good credit discount. This discount can be up to 20% off your annual car insurance premium amount.
- Claims-free discount - A great way to demonstrate you’re a responsible driver is by being just that – a responsible driver! Many auto insurers will begin to offer a claims-free discount – up to 10% off your annual car insurance premium amount – once you’ve gone six (or more) years without being involved in an at-fault accident.
- Conviction-free discount - Not having traffic tickets on your record also demonstrates your ability as a driver. If you’ve gone three (or more) years without a driving conviction, some car insurers will offer you a conviction-free discount – up to 10% off your annual car insurance amount – in an effort to earn your business.
The best way to get affordable car insurance in Nova Scotia, as a new driver, is to take and pass a certified driver’s training course.
Whether you’re a brand new (usually teenage) driver or new to Canada and don’t have your driver’s abstract from your previous country, this is a great way to decrease your annual automobile insurance rates.
Completing a certified driver’s training course can increase your driver star rating by two. This is, essentially, like adding two years of clean driving history onto your driving record.
Increasing your star rating by two can save you up to 15% off your annual auto insurance premium amount in Nova Scotia.
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Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Nova Scotia to explore on your next road trip.
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