Left Navigation NL Auto Insurance Newfoundlanders and Labradorians pay more for auto insurance than drivers in other Atlantic provinces. With the cost of importing foods and goods contributing to the already high cost of living, the people of this province deserve an affordable auto insurance system that works for them. To understand why insurance costs what it does in Newfoundland and Labrador (NL), let’s take a closer look at a few things.Premium problems in NLHow insurance worksFixing the problemFAQs Speak out. Contact your member of the House of Assembly, Superintendent of Insurance, General Insurance Ombudsman and Public Utilities Board to request that auto insurance reforms be made a priority. Tell us your auto insurance story at NLAuto@ibc.ca. All About Auto InsuranceRegardless of where you live in Canada, auto insurance is required by law. You are not authorized to drive without it. Related ServicesHow Car Insurance Premiums are CalculatedThe make, model and year of your car, the records of people who are insured to drive it and where you live are all considered by insurers when setting rates. You can lower your premium by making informed decisions.Types of Auto Insurance CoverageCollision, specified perils, comprehensive and all perils are among the additional coverages available for your vehicle. In general, these coverages are very similar across the country. Useful LinksInsurance BasicsWithout insurance, driving a car, buying a home or starting a business would be an unaffordable risk.Insurance-Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions. Crisis ManagementIf you find yourself in a crisis situation, never admit liability. Facility AssociationFacility Association’s mission is to administer the automobile insurance residual markets, enhance market stability, and guarantee the availability of automobile insurance to those eligible to obtain it.