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 affect driving conditions across the province.
This page explores the nuances of getting car insurance in New Brunswick, with a particular focus on how premiums are calculated, what coverage is required, and what optional protections drivers may want to consider.
The New Brunswick premiums on this page are based on auto insurance quotes collected through MyChoice from January to June 2026.
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 Car Insurance Premiums Differ Between New Brunswick Cities
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 |
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:
How the New Brunswick Premium Is Calculated
Mandatory protection accounts for $860, or roughly 60%, of the provincial premium. Collision and comprehensive add $555 to protect the insured vehicle.
These optional coverages deserve careful attention in New Brunswick because a wildlife collision and storm damage are normally handled by different parts 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
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:
How New Brunswick Insurers Calculate Your Quote
Insurers consider the driver, vehicle and requested protection together. Important factors can include:
- Where the vehicle is normally kept
- The driver’s age and insurance experience
- Tickets, accidents and licence suspensions
- Previous cancellations for non-payment
- The vehicle’s make, model and model year
- How the vehicle is used
- The selected liability limit
- Collision and comprehensive coverage
- Policy deductibles
- Applicable discounts
Two insurers can evaluate the same details differently. That is why drivers should check more than one quote using matching coverage.
New Brunswick Auto Insurance Rates by Age Group
The largest age-related cost falls on drivers aged 18–20. Premiums decline as drivers build experience, with the lowest median in our comparison appearing among drivers aged 65 and older.
| 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 minor speeding ticket adds $170, or 11.9%, to the clean-record premium. One at-fault accident has a much greater effect, increasing the median by $1,207, or 84.6%. A cancellation for non-payment adds $757, showing that payment history can also have a substantial effect.
| 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?
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 rapidly changing winter weather are common across New Brunswick. Check 511 before leaving, carry appropriate winter supplies and consider getting loss-of-use coverage where arranging temporary transportation would be difficult after a covered loss event.
The commuting and population figures below are from the 2021 Census for New Brunswick. 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
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 licenses insurers and intermediaries and oversees market conduct. Automobile insurance rates are regulated by the New Brunswick Insurance Board.
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.
