Car Insurance in Nova Scotia

Your Nova Scotia Car Insurance Guide

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Since 1999, Kanetix.ca has been helping drivers save money. We shop the market to help you find a better rate and connect you to the company so that you can secure the rate and lock in your savings.

Pay less for your Nova Scotia auto insurance today and compare rates at Kanetix.ca because it's easy, secure and free. It's also the best way to ensure you're not overpaying for the auto insurance you need.

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Kanetix.ca helps drivers across Canada get the best rates. In addition to Nova scotia auto insurance quotes drivers can get quotes for Alberta car insurance, Ontario car insurance, Quebec car insurance, Nova Scotia car insurance, New Brunswick car insurance or PEI car insurance as well.

Nova Scotia Car Insurance Quotes Compared To Other Provinces

Compared to other provinces, how much does Nova Scotia auto insurance cost? Well, for a 35-year old driver, the typical Nova Scotia auto insurance rate is less than a thousand dollars, about $957. The only other province that is cheaper is Quebec.

Even though Nova Scotia drivers pay less than most for auto insurance, your premiums could be even lower. All you have to do is shop around for a better rate. In fact, Nova Scotia's Finance and Treasury Board encourages it, "Shop around to different insurance companies to find the best service and policy for you." See if you could save today with Kanetix.ca.

Car insurance in Nova Scotia is mandatory

Just like elsewhere in Canada, having auto insurance in Nova Scotia is required to drive on any public roadway. According to the Nova Scotia Finance and Treasury Board your policy at minimum must have coverage for:

• Third-party liability (Section A)

In the Consumers' Auto Insurance Guide created by the Office of the Superintendent of Insurance for Nova Scotia drivers, these mandatory coverages are described in the following way.

Third-party liability insurance: Third-party liability insurance covers you if you injure someone or damage someone else's property with your auto and they sue you. You must have at least $500,000 of liability coverage. Most Nova Scotians carry at least $1,000,000.

Accident benefits: Accident benefits include medical and rehabilitation expense benefits, funeral expense benefits, and loss of income benefits for yourself and other passengers in the event of an accident.

Uninsured and unidentified automobile insurance: This section of your policy covers you if you are involved in an accident with an uninsured or unidentified automobile.

Optional auto insurance coverages available in Nova Scotia

In addition to the compulsory coverages (third-party liability, accident benefits, and uninsured/unidentified automobile), there are optional coverages that you can include in your Nova Scotia auto insurance policy. Two of the best known are:

• Collision (or upset) coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
• Comprehensive coverage: This insures your car against damage caused by non-collision scenarios like theft and vandalism.

Both of these-collision and comprehensive-likely come with a deductible.

• Related Read: Save Five To 10 Per Cent On Your Car Insurance Right Away

What goes into calculating car insurance in Nova Scotia

How much you pay for auto insurance in Nova Scotia will be based on many factors including your gender, driving record, accident claims, where you live, how often you drive, and the type of vehicle you drive.

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Did you know? Unlike many other provinces in Canada, Nova Scotia auto insurance does not factor in your age or your marital status when determining your rates. It's been this way for more than a decade, since November, 2004.

Nova Scotia auto insurance in the news

• Nova Scotia Distracted Driving Penalties Increasing February 1, 2015
• Driven To Distraction
• Auto Insurance Fraud in Canada: Through The Eyes Of A Private Investigator