Quote data from MyChoice.ca, November 2024
The Best Car Insurance Brokerages in Halifax
Car insurance brokerages can take the stress off your shoulders by comparing insurance quotes and presenting you with the best ones.
If you’re unsure what type of coverage or broker you need, check MyChoice – we can provide tips and recommendations. Below are a few of the best brokerages in the Halifax area:
| Brokerage | Address | Phone number |
|---|---|---|
| Stanhope Simpson Insurance Ltd | 3845 Joseph Howe Dr #300 Halifax, NS B3L 4H9, Canada | +19024548641 |
| Eisenhauer Insurance Inc | 325 Washmill Lake Dr suite 6 Halifax, NS B3S 1M7, Canada | +19024545888 |
| Cluett Insurance | 3660 Commission St Halifax, NS B3K 0A5, Canada | +19024665328 |
Most Expensive Postal Codes in Halifax
The average car insurance rate in Halifax, Nova Scotia, is $1,107. The B3S region comprising Bayer’s Lake and part of the Birch Cove Lakes Wilderness area has the most expensive premiums.
| Postal code | Average annual car insurance premium |
|---|---|
| B3S | $1,181 |
Quote data from MyChoice.ca, November 2024
Least Expensive Postal Codes in Halifax
By comparison, the postal code with the lowest insurance rates in Halifax, Nova Scotia, is the B3N region, which includes Chocolate Lake, a popular tourist attraction in the Fairmount district.
| Postal code | Average annual car insurance premium |
|---|---|
| B3N | $1,008 |
Quote data from MyChoice.ca, November 2024
Car Insurance Cost in Halifax by Age
Younger drivers often have to pay higher insurance rates because they lack driving experience. However, student drivers can keep their premiums low by enrolling in driving classes, applying for student discounts, or listing themselves as secondary drivers on a parent’s insurance policy.
While rates typically decrease as drivers age, seniors pay higher rates because they are more likely to sustain severe injury or even death after an accident.
In Halifax, the median driving age is 36. Below is a closer look at how your age can directly impact insurance rates:
| Age | Average annual insurance cost | Average savings with MyChoice |
|---|---|---|
| 18-20 | $3,953 | $786 |
| 21-24 | $2,259 | $449 |
| 25-34 | $1,506 | $300 |
| 35-44 | $1,107 | $220 |
| 45-54 | $908 | $180 |
| 55-64 | $772 | $154 |
| 65+ | $880 | $175 |
Quote data from MyChoice.ca, November 2024
Car Insurance Cost in Halifax by Driving History
While you can get insurance even with poor driving history, your rates will likely be higher. Insurance companies base rates on your driving habits. If you are a high-risk driver, insurers might anticipate that you are more likely to get into an accident. Thus, they charge higher rates.
In Halifax, a driving ticket stays on your record for two years, while at-fault accidents remain for six years. Once these recordings have been expunged, insurers can no longer penalize drivers.
Consider how the following driving violations can affect your insurance rates:
| Driving violation | Average annual car insurance rate |
|---|---|
| Clean driving record | $1,107 |
| Insurance cancellation due to non-payment | $1,816 |
| Licence suspension for alcohol-related offences | $1,329 |
| One accident | $2,436 |
| Speeding ticket | $1,440 |
Quote data from MyChoice.ca, November 2024
Driving in Halifax
Halifax is a scenic city with relatively low insurance rates. However, it is home to many wild animals that wander the roads, so you’ll want to drive carefully and have the right coverage. In addition, Halifax is one of the most dangerous cities in Canada to drive in, so you should always be mindful of road rules.
When driving in Halifax, keep these other key facts in mind:
- Major highways: Highway 111
- Public transit options: Halifax Transit Bus Service
- Ridesharing services: Uber, Lyft, Ola, Didi
- Parking space providers: City of Halifax, Impark
- Top tourist attractions: Halifax Citadel National Historic Site, Old Town Clock, Halifax Waterfront, Canadian Museum of Immigration, Maritime Museum of the Atlantic, Halifax Public Gardens
- Busy intersections: South Park Street to Spring Garden Road, Lacewood Drive to Dunbrack Street, Joseph Howe Drive and Dutch Village Road
- Airports: Halifax Robert L. Stanfield International Airport
Main Mode of Commuting in Halifax
Out of 154,785 commuters in Halifax, 82.5% of them do so in cars, trucks, or vans. Personal vehicles are by far the most popular commuting method in Halifax. Meanwhile, public transit users and pedestrian commuters land second and third place at 8.1% and 7.3%, respectively. Here’s more detailed information about the commuting modes in Halifax:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 154,785 | 100.0 |
| Car, truck or van | 126,110 | 81.5% |
| Car, truck or van – as a driver | 114,120 | 73.7% |
| Car, truck or van – as a passenger | 11,990 | 7.7% |
| Public transit | 12,540 | 8.1% |
| Walked | 11,250 | 7.3% |
| Bicycle | 1,145 | 0.7% |
| Other method | 3,735 | 2.4% |
Commuting Duration in Halifax
Just under half of Halifax commuters spend 15 to 29 minutes on their trip. For a city that’s a major tourist destination, this is a reasonable commute time. In fact, 30.4% of Halifax’s commuters spend less than 15 minutes getting to work. Check the table below for a closer look at the commuting duration in Halifax:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 154,785 | 100.0 |
| Less than 15 minutes | 47,095 | 30.4% |
| 15 to 29 minutes | 67,245 | 43.4% |
| 30 to 44 minutes | 27,645 | 17.9% |
| 45 to 59 minutes | 6,715 | 4.3% |
| 60 minutes and over | 6,080 | 3.9% |
Driving Conditions in Halifax
Halifax is a combination of urban, suburban, and rural areas with a significant wildlife population. It experiences short, warm summers and a moderately cold winter.
- Average daily commute time: 60 minutes round trip
- Average annual rainfall: 38.3 mm
- Average annual snowfall: 1,542 mm
- Rainy days per year: 38 days
- Rainiest month in Halifax: May
- Driest months in Halifax: February
- Snow days per year: 69 days
- Snowfall months in Halifax: December – March
Traffic in Halifax
Halifax is a major tourist destination in Nova Scotia, bringing hundreds of cars to the road each year. Here’s what you can expect on top of regular traffic jams in the area:
- Population: Roughly 417,000 people live in Halifax.
- City area: The Halifax city limits span 238.29 km2.
- Busiest highways: The busiest highway in Halifax is the Nova Scotia Highway 102.
- Average number of collisions: Halifax has a collision frequency of 7.9 per 100 automobiles.
The Most Common Questions About Car Insurance in Halifax
How much does Halifax car insurance cost?
The average cost of Halifax car insurance is around $1,100 a year.
Do I need winter tires in Halifax?
No, you don’t need winter tires in Halifax. However, many insurance companies recommend it during the winter months to prevent accidents on the road.
Is roadside assistance required in Halifax?
No, roadside assistance is not required in Halifax. However, it can provide peace of mind in case of an engine malfunction, drained battery, or punctured tire.
Why should you compare car insurance rates in Halifax?
You should compare car insurance rates in Halifax because it has a surplus of providers with varying rates. The best way to find a good rate is to plug your postal code into MyChoice.
What information do you need for an auto insurance quote in Halifax?
The information you need for an auto insurance quote in Halifax are your postal code, vehicle make and model, and other basic information. The more information you provide, the more accurate your insurance quote will be.
How can you get cheaper car insurance in Halifax?
Compare car insurance rates in Halifax with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.