Get multiple car insurance quotes in the time it takes to get just one
Tell us a little bit about your vehicle, driving & car insurance history.
Compare your car insurance quotes from more than 30 top insurance companies.
Pick the insurance policy that's right for you to connect directly with the insurance professional of your choice.
Thanks to the 2003 auto insurance reform, Nova Scotia car insurance rates have remained some of the lowest in the country. The average yearly cost of car insurance for Nova Scotia drivers in 2012 was $783, a drop of several hundred dollars since the reforms were enacted. Since then, additional reforms have improved benefits and further reduced costs to drivers by prohibiting insurance companies from charging for a reported accident if there is no claim.
Private auto insurance companies in Nova Scotia offer drivers a wide range of options, not to mention the opportunity to shop around for a better rate. That's why we made InsuranceHotline.com: so you can find even lower rates quickly, easily and transparently. Compare car insurance quotes today to see if you're still getting the best rates!
This is the minimum coverage you’re required by law to carry:
Most Nova Scotia drivers carry coverage in excess of the legal minimum, including liability limits of $1,000,000 on average, and additional optional coverage. This includes comprehensive and collision coverage to cover damage to your vehicle in an at-fault accident.
|Dominion of Canada||$712|
|Pembridge Insurance Company||$787|
|Range of quotes $184|
|Dominion of Canada||$909|
|Pembridge Insurance Company||$1322|
|Range of quotes $460|
|Dominion of Canada||$363|
|Pembridge Insurance Company||$529|
|Range of quotes $254|
|Dominion of Canada||$738|
|Pembridge Insurance Company||$850|
|Range of quotes $112|
Nova Scotia insurers use a variety of factors to determine your auto insurance rates. Among the common factors used to determine what you will pay for insurance are:
As of the 2003 insurance reform, insurance companies cannot use the following to determine your rates:
As of April 1, 2013, Nova Scotia enacted a Direct Compensation for Property Damage system to handle property damage claims. The DCPD system can also be called no-fault insurance, and it means that drivers will make claims for property damage to their own vehicle to their own insurance company regardless of who is at fault in the accident.
At the same time, Nova Scotia introduced the Automobile Insurance Fault Determination Regulations. This document outlines how fault should be determined in any given accident, regulating how insurance companies handle the fault determination process.
In order to drive in Nova Scotia you must have the minimum insurance and you must carry proof of that insurance at all times, presenting it to law enforcement when requested.
If you are involved in an accident, you are required by law to stop. In an accident causing more than $2,000 in property damage or any injury or fatality, you are required to report the accident to the police.
Traffic violations can have a direct impact on your auto insurance rates, and the severity of the violation will determine how much of an increase you will see.
With a large number of insurance companies available to select from, shopping for car insurance can be time consuming. Online services like InsuranceHotline.com allow you to compare quotes quickly and easily, not to mention help you get the best rate! Comparing is the easiest way to save on your car insurance premiums.
If you are a high-risk driver, your choices for an insurance company may be limited. Nova Scotia drivers who are unable to obtain insurance with a standard company may purchase a policy through Facility Association, a non-profit organization created to ensure all drivers can obtain coverage regardless of driving record.
|Year||Average annual premium||Average monthly premium||Year over year change|