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Newfoundland and Labrador Auto Insurance


​​​​​​​​​​Newfoundland and Labrador vehicle owners must buy insurance coverage from a private insurer. The right coverage is essential. By law, drivers must buy a mandatory amount of insurance.​

​Service NL provides specific guidelines for drivers and vehicles. 


Auto Insurance

Looking to Insure Your Car?

There are two types of mandatory coverage: accident benefits and third-party liability.

Insurance coverages are subject to change. When you buy or renew auto insurance, it’s important to understand what’s currently mandatory and evaluate price, coverage and service options. More than 50 private insurance companies offer auto insurance to consumers and compete on the basis of price, coverage and service.​

In Newfoundland and Labrador, the person who did not cause the collision has the right to sue the at-fault driver for additional costs and damages not covered by accident benefits. Third-party liability covers you for the legal costs of being sued if you are the at-fault driver.

​How Your Vehicle Determines Your Premium

The make or model of your car often determines how much you pay for insurance. If a vehicle has a bad record of theft, car accidents and claims, it could cost more to insure. Review the insurance industry’s research on How Cars Measure Up before choosing your next car. 

The Newfoundland and Labrador auto insurance system is subject to change.

Insurers pay $2 billion per year into Canada’s health care system.