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Compare car insurance in Nova Scotia

Compare car insurance in Nova Scotia to find the best coverage for your unique set of needs and budget.

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Nova Scotia

Quick facts for car insurance in Nova Scotia

$200,000

Minimum liability coverage

$891

Average annual car insurance cost

Nova Scotia has very low annual car insurance premiums compared to other Canadian provinces. It’s also the only province requiring a $500,000 limit for third-party liability insurance, which means you get more basic protection if you’re involved in a crash. Find out more about how much you can expect to pay for car insurance in Nova Scotia and compare providers to start saving money today.

Average cost of car insurance in Nova Scotia

You’ll pay an average of $891 per year for car insurance in Nova Scotia (according to a report from the Insurance Bureau of Canada). This number is based on the total amount of premiums paid in the province divided by the number of vehicles insured.

The amount you end up paying may be higher or lower than the national average based on certain personal factors. These include what type of car you drive, what your driving history looks like and how old you are (among many other things).

Nova Scotia requires you to have $500,000 worth of third-party liability insurance on your vehicle, in addition to personal injury benefits and uninsured motorist protection. You won’t be required to add on collision or comprehensive coverage, but may want to do so if your vehicle is worth a decent amount of money.

Which city has the cheapest car insurance in Nova Scotia?

Car insurance quotes in Halifax

Halifax is the largest city in Nova Scotia so you’ll naturally pay higher rates there than in smaller cities. This is due to riskier conditions for driving which include more traffic, narrower streets and more pedestrians.

ProviderAnnual insurance rate
Aviva$1,771
The Dominion$1,791
CCA Insurance$2,300
Economical$2,658
Facility Association$2,946
RSA$4,043

Car insurance quotes in Cape Breton

Cape Breton has slightly higher prices for its car insurance than Halifax, which is a bit of an anomaly since it’s a smaller city. Chances are there are a higher number of claims in this area which is driving prices up.

ProviderAnnual insurance rate
Aviva$1,845
The Dominion$1,847
CAA insurance$1,967
Economical$2,444
Facility Association$2,510
RSA$4,344

Car insurance quotes in Truro

Truro has insurance premiums that are a fraction of the cost of those in Halifax and Cape Breton. This is likely because the population is smaller which means there are fewer opportunities to get into accidents.

ProviderAnnual insurance rate
The Dominion$1,223
Aviva$1,241
CAA Insurance$1,591
Economical$1,922
Facility Association$2,248
RSA$3,361

Car insurance quotes in Amherst

Amherst has very similar rates to Truro – again, this is probably because its population is much smaller than other cosmopolitan hubs in the province and insurance claims stay low for this reason.

ProviderAnnual insurance rate
The Dominion$1,224
Aviva$1,241
CAA Insurance$1,591
Economical$1,922
Facility Association$2,248
RSA$2,899

Which company offers the cheapest car insurance in Nova Scotia?

According to the quotes we sourced, the cheapest car insurance in Nova Scotia is offered by Aviva in larger cities and The Dominion in smaller cities. That said, you should take this information with a grain of salt since the price of your insurance will typically depend on a number of personal factors.

The provider that’s cheapest for you will also depend on how many car insurance companies you compare. Your best bet to find the cheapest rates is to compare at least five providers using your own personal details and vehicle information.

Where can I buy car insurance in Nova Scotia?

There are many private car insurance agencies that you can source your insurance from in Nova Scotia. These include The Co-operators, Allstate, Travelers, Pembridge, Pafco, Wawanesa and all of the providers listed in our analysis above (plus many more). Most of Canada’s big banks also offer car insurance in Nova Scotia as well.

You can compare quotes for insurance by requesting prices from individual insurance companies. It’s also possible to sign up with an online third-party broker if you want help comparing some of the top companies in the industry.

Minimum provincial requirements for car insurance in Nova Scotia

There’s a minimum level of car insurance coverage that you’ll need to drive a vehicle in Nova Scotia. This includes the following:

  • Liability insurance. Covers vehicle repairs and medical bills for other drivers if you cause an accident (minimum $500,000).
  • Accident benefits. Pays for any medical bills that you or your passengers might incur as a result of getting into an accident.
  • Direct compensation property damage. Lets you get paid directly from your own insurer if you get injured in an accident that’s not your fault.
  • Uninsured motorist coverage. Reimburses you for medical expenses if you get into a collision with an uninsured motorist or hit-and-run driver.

Are there eligibility requirements for car insurance in Nova Scotia?

Eligibility requirements

To apply for car insurance in Nova Scotia, you’ll typically need to meet the following criteria:

  • Be at least 16 years old
  • Have a valid Canadian driver’s licence
  • Own the vehicle you wish to insure
  • Be willing to purchase the minimum amount of liability coverage

How to apply

If you think you meet the eligibility criteria, you can apply for car insurance coverage with these simple steps:

  1. Visit the website for the car insurance provider of your choice to submit an application for a quote online.
  2. Provide the necessary documentation – such as a valid driver’s licence and proof of purchase for your vehicle.
  3. Get verified and work with your car insurance provider to negotiate the terms of your car insurance if you meet the eligibility requirements.

Bottom line

Nova Scotia offers car insurance rates that are lower than in most other provinces of Canada. You’ll be required to purchase a minimum of third-party liability and accident benefits, along with uninsured motorist protection. You can also choose to add on extended coverage such as comprehensive and collision for a higher premium, if you want extra peace of mind.

Frequently asked questions

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