Left Navigation NL - Better 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 Newfoundland and Labrador, we need to talk about auto insurance.Get the facts: BetterAutoInsurance.caAffordable auto insurance can happen.Newfoundlanders and Labradorians pay too much for auto insurance. In fact, you pay the highest premiums in Atlantic Canada—on average 40% higher. It’s been 14 years since the last review—reforms must be made to bring back a sustainable system that works for drivers.Newfoundland and Labrador needs:An auto insurance system that provides quick, medically sound rehabilitative care.More choices when it comes to where you buy auto insurance.An auto insurance industry that makes it affordable for uninsured drivers to get insured.Cost-control measures to stabilize the rising average cost of auto insurance claims.The insurance industry can’t make these changes alone. We need to work together—industry, government, policyholders, and stakeholders—to unite and work together to do whatever is necessary to deliver the best system for our drivers.It’s time to make the auto insurance system work for Newfoundlanders and Labradorians. 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.