You could reduce your deductible by 10% each claim-free year.

Car Insurance in the Northwest Territories

Drives in the Northwest Territories are both scenic and wild, with herds of buffalo roaming the roadsides. While on the road to unspoiled wilderness, feel confident your coverage fits your needs.

TD Insurance Decreasing Deductible

A good driving record could help reduce your deductible by 10% each claims-free year.

You can save up to 25% on your insurance premium with TD MyAdvantage

The safer you drive, the more you save.

In the Northwest Territories, Mandatory Car Insurance Coverages Include

In the Northwest Territories, types of car insurance coverage you need to have by law are Liability Coverage and Accident Benefits Coverage. Uninsured Motorist Coverage is included within Accident Benefits.

Liability Coverage

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

Accident Benefits Coverage

Regardless of who is at fault, medical and other expenses you are entitled to receive are covered.


Enhanced and Special Coverage for Northwest Territories

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.

Comprehensive

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


Learn More


How Much Does Car Insurance Cost in the Northwest Territories?

Well, that depends on a few things. We look at several key factors when calculating your 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 Yellowknife, Hay River, or elsewhere.
  • 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 car insurance premiums are calculated

Make sense of your Car Insurance needs and options

TD Right Fit Coverage Assessment

Find the car insurance coverage that best fits your needs.

Ways you can save

Bundle car and home insurance

Insure two or more vehicles

Drive a hybrid or electric vehicle.

Have an approved anti-theft system installed.

How Do I Save On Car Insurance in the Northwest Territories?

Here are a few simple tips to save on car insurance in the Northwest Territories:

  • 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.
  • Have an approved, factory-installed anti-theft device installed in your car. We will automatically take this into account when deciding your premium. You would have to opt to have this installed after you get your car, though.

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 the Northwest Territories?

Once you've decided on the right kind of 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 car 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 the Northwest Territories?

If you're looking for a car insurance quote in the Northwest Territories, 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 the Northwest Territories and may vary in comparison to Ontario, Newfoundland/Labrador, Nova Scotia, Alberta, Prince Edward Island, Nunavut, Yukon, and Quebec. Premiums may also vary depending on the area in which you reside.

Now as you take in the beauty of the wilderness and all that the Northwest Territories have to offer, you can have coverage that fits.


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