Car Insurance in Newfoundland & Labrador

Newfoundland & Labrador presents a lively culture, with colourful houses lined along the waterfront and live music emitting from its streets. As the most easterly point on the continent, sun rises are experienced here first. As you drive through pristine landscapes and picturesque scenes, have auto insurance coverage that fits your needs.

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In Newfoundland & Labrador, Mandatory Car Insurance Coverages Include

In Newfoundland & Labrador, types of auto insurance coverage you need to have by law are Liability Coverage, Direct Compensation, and Uninsured and Unidentified Automobile Coverage.

Liability Coverage

If you injure someone or damage property, payments are made on your behalf.

Direct Compensation

Damages to your car are covered if you're not at fault.

Uninsured & Unidentified Automobile Coverage

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

Enhanced and Special Coverage for Newfoundland/Labrador

Choose one of these options for beyond-the-minimum protection for your car.

Specified Perils

Protects your vehicle from specified perils such as losses caused by fire, floods, hail or theft.


All other insured damage caused to your vehicle (except collision or upset).

Collision or Upset

Damage to your vehicle caused by a traffic collision with another vehicle or object.

All Perils

The broadest level of coverage — combines Collision or Upset and Comprehensive coverage along with increased theft protection.

Accident Forgiveness

With Forgiveness, your car insurance rates won’t go up if you have an at-fault or partially-at-fault accident.**

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Uninterrupted Driving Coverage

With Grand Touring, travel worry free within Canada and the U.S. because you’re covered for rental car insurance, a temporary rental car, and even towing.

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Limited Waiver of Depreciation

In the event of a total loss, you could get the purchase price of your vehicle as your settlement value1.

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How Much Does Car Insurance Cost in Newfoundland & Labrador?

Well, that depends on a few things. We look at several key factors when calculating your auto insurance premium (and so do other insurance companies):

  • Your car make, model, and year are taken into consideration when quoting you a price. The kind of car you have determines its value, safety features, and how much it would cost to repair damages.
  • How you drive your car in addition to the number of kilometers you drive every year, including daily commute and business use.
  • Your driving record, which includes things like the number of years you've all been licensed for, speeding tickets, and accidents.
  • The area in which you live affects premiums – whether it's St. John's, Corner Brook, Happy Valley-Goose Bay, or elsewhere within Newfoundland & Labrador.
  • The coverage and add-ons you choose might cost more but can provide you with additional benefits that could save you money in the event of an accident.
  • We offer ways to save with preferred rates for professionals and alumni being one of the ways. Refer to the section below to find all the ways you can save on your insurance.

Learn more about how auto insurance premiums are calculated

Ways you can save

Bundle car and home insurance

Insure two or more vehicles

Drive a hybrid or electric vehicle.

How Do I Save On Car Insurance in Newfoundland & Labrador?

Here are a few simple tips to save on car insurance in Newfoundland/Labrador:

  • Insure all your cars with us so you can make the most of our "multi-vehicle discount."
  • Insure both your car and home with us so that you qualify for a "multi-line discount."
  • Increase your deductible – insurance is really meant to cover you for damages you could never afford on your own. Generally speaking, a higher deductible can mean a lower premium.
  • Think about removing collision coverage if you drive an older car. This means weighing the cost of collision coverage with the value of your car and chosen deductibles.
  • Maintain a great driving record by remaining claims-free and conviction-free.
  • Consider driving "low-risk" vehicle. Vehicles with a widespread history of theft are more likely to have a higher premium. Read more here.

File a Claim Right from Your Phone!

Let us be there for you when you need it most. With the TD Insurance Mobile App, you'll receive step-by-step guidance through the claims process, be able to take photographs, and track the status of your claim.

How Does Car Insurance Work in Newfoundland & Labrador?

Once you've decided on the right kind of auto insurance coverage and deductible amounts with your insurance provider, you will pay for an insurance premium. This will provide you financial protection against physical damage or bodily injury that can happen from traffic collisions. It can also cover liability costs if you ever injure someone else or their property in a car accident. With enhanced and special coverage options, you can explore ways to add extra protection also.

Car Insurance Eligibility and Restrictions

To be eligible for auto insurance, you (and all drivers you wish to include in the policy) must have a valid driver's license. Insurance companies will look at your prior driving record to determine eligibility and rates. Other eligibility restrictions may arise from past convictions. This too will vary depending on when your last conviction occurred and the nature of the conviction.

Other insurance conditions may arise depending on the type of vehicle, its use, and any customizations or modifications made to the vehicle. For example, if you've altered your vehicle to enhance its performance or appearance, most insurance companies would need to assess the vehicle to determine if they could insure it. If you plan on modifying your vehicle, call us first! We will let you know if the changes you plan on making could have an impact on your policy and your premiums.

Learn more about Car Insurance Eligibility and Restriction

How Do I Get a Car Insurance Quote in Newfoundland & Labrador?

If you're looking for a auto insurance quote in Newfoundland/Labrador, use our online quoter. It's fast, efficient, and will provide you with a personalized quote right now. To get started, you will need your driver's license handy and some basic information about your car. You will also need to provide some specifics about your driving history and the history of other drivers who will likely drive the car. Once completed, the quote will be valid for 45 days, so you can refer to it at any point within that time.

Keep in mind that the minimum car insurance coverage required is determined by the Government of Newfoundland/Labrador and may vary in comparison to Ontario, New Brunswick, Nova Scotia, Alberta, Prince Edward Island, Nunavut, Northwest Territories, Yukon, and Quebec. Premiums may also vary depending on the area in which you reside.

Now you can drive through the picturesque scenes of Newfoundland and Labrador and feel confident your coverage fits your needs.

Featured Advice

Accident forgiveness coverage

Accident forgiveness coverage

Tips to save on car insurance

Tips to save on car insurance

How premiums are calculated

How premiums are calculated