car insurance

Save up to 20% when you bundle
your home and auto

The Road To Better Coverage

Looking for the best rates on your car insurance? You’ve come to the right place. With access to over 10 auto insurance markets, our brokers are equipped to find the most competitive offers year after year. We want you to feel confident your auto insurance coverage fits your needs.

Mandatory Car Insurance Coverage For Nova Scotia

By law, you need to have Accident Benefits Coverage, Direct Compensation, Liability Coverage, and Uninsured and Unidentified Automobile Coverage.

mandatory coverage - accident benefits

Accidents Benefits
Regardless of who is at fault, this covers the cost of medical bills and other expenses.

mandatory coverage – direct compensation

Direct Compensation
Covers damages to your vehicle if you’re not at fault.

mandatory coverage – liability coverage

Liability Coverage
Covers injuries and damages you may cause when you drive your vehicle.

Uninsured and Unidentified
Medical costs and damage are covered if an uninsured driver is at fault.

Optional Extended Coverage For Nova Scotia

Go above the minimum protection and choose one of these options for your car:

optional coverage – accident forgiveness

Accident Forgiveness
This allows one ‘free’ at-fault or partially-at-fault accident, meaning your premiums won’t increase.

optional coverage – comprehensive

All insured damage that is caused to your vehicle (except collision or upset) will be repaired/replaced.

all perils

All Perils
This combines Collision or Upset and Comprehensive coverage along with increased theft protection.

optional coverage – specified perils

Specified Perils
Losses resulting from events that are pre-defined in your policy such as fire or theft.

optional coverage – collision or upset

Collision or Upset
If there is damage to your vehicle in an at-fault accident, hit and run, or with an uninsured driver, it will be repaired/replaced.

How Does Car Insurance Work?

Whether you lease, finance, or own your car, you must have the mandatory car insurance coverage your province requires. However, certain conditions and restrictions apply.

You and all drivers you wish to include in the policy must have a valid driver’s license and be a resident of Canada. Insurance companies also look at your driving record. Other eligibility restrictions may arise such as your car. If your car has substantial unrepaired damage or is deemed unsafe an insurer may not want to issue you a policy.

Once you’ve personalized your auto insurance coverage with your insurance broker, you will pay an insurance premium. This premium will provide you financial protection against physical damage or bodily injury as a result of a collision. It will also cover liability costs if you ever injure someone or damage a vehicle while driving.

How Does Car Insurance Work?

How Much Does Car Insurance Cost In Nova Scotia?

We look at several factors when calculating your auto insurance premium:

  • Your car make, model, and year built are all taken into consideration when quoting. The kind of car you have determines its value, safety features, and the cost to repair any damages.
  • How often you drive and the number of kilometers you drive every year.
  • Your driving record, which includes things like the number of years you have been licensed for, accidents, and speeding tickets.
  • The area you live in will affect your premiums – whether Halifax, Summerside, or elsewhere – and generally people living in large urban areas will have higher premiums.
  • The coverage and add ons you choose might cost you more monthly, but can provide you with additional benefits that could save you thousands in the case of a claim.
  • Cancellation for non-payment will result in higher premiums.

How Do I Save On Car Insurance in Nova Scotia?

Here are a few simple tips to save on car insurance in Nova Scotia:

  • Bundle your car and home policy.
  • Maintain a good driving record. 
  • Increase your deductible.
  • Insure all your cars with the same insurance broker.
  • Remove collision coverage if you drive an older vehicle.
  • Consider driving a “low-risk” vehicle.

How Do I Get A Car Insurance Quote In Nova Scotia?

If you’re looking for an auto insurance quote in Nova Scotia, fill out our online form and one of our brokers will be in touch with a personalized quote. To get started, you’ll need your driver’s license and some basic information about your car.

Keep in mind the minimum car insurance coverage required is determined by the Government of Nova Scotia.


Please contact our office to speak with a representative at 1-866-466-9660