The Ideal NT Insurance Finder:
Best, cheap Northwest Territories car insurance quotes & more

As a website dedicated in large part to Northwest Territories drivers, we strive to provide the best information about things that matter to motor vehicle drivers on Northwest Territories public roads. From learning to drive in Northwest Territories, to Northwest Territories driving license information, to tips for finding the best, cheap Northwest Territories car insurance quotes that local motorists want and need, our mission is to serve drivers. When it comes to purchasing insurance in Northwest Territories, you have three main options. Start with the Quote Comparison Tool. You only need to explore other options if you can't find the coverage you need.

Get Insurance Quotes Online

Many insurance consumers in the Northwest Territories like having the option to view insurance quotes and purchase their insurance options online. To help with that, we offer the option to get cheap Northwest Territories car insurance quotes online from the comfort of your own home.

NT Insurance Companies

Based on your past experience or a recommendation from a friend/family member, you may have a particular NWT insurance company in mind. If you want to deal directly with that Northwest Territories insurance company you can contact them directly through their offices or website.

NWT Insurance Brokers

A NWT insurance broker will be your personal representative when it comes to finding the best Northwest Territories insurance product for your profile and needs. They can help negotiate on your behalf and take away some work associated with researching NWT insurance companies.

We can Simplify Getting a Northwest Territories Car Insurance Quote Online

We encourage our customers to look for more than the cheapest price when it comes to a complete insurance policy. Research your top choice NWT insurance company and look at qualitative aspects such as customer services, customer support, dependability and honest dealing with customers. Make an informed NWT car insurance quote decision so you can get the best Canadian car insurance for your needs.

Start a quote

Once you start a quote, you will need to fill out your driver profile information which will then generate a list of competitive insurance quotes from multiple Northwest Territories insurance providers.

Compare Insurance Rates

The provided competitive quote list is customized to your profile so you can see what your best options are to get the right auto insurance in the Northwest Territories.

Choose the Best Insurance Quote

Once you've had an opportunity to understand your options and researched the associated insurance companies you can make a choice without a time limit or any pressure to buy.

Try it now. Compare Cheap Northwest Territories Insurance Quotes. See for yourself.

Find a Northwest Territories Insurance Broker or Agent

Insurance brokers & agents who service the Northwest Territories, are required to know all of the ins and outs of the coverage they sell. They can be extremely helpful when it comes to problematic driving records that include tickets, accidents, and they can certainly inform you of insurance discounts you may be entitled to.

It can also be good to have someone knowledgeable on hand if you should ever have to file a claim.

With regard to NWT insurance shoppers that may have specialized needs or for some reason, difficulties obtaining the insurance they require, we provide a Northwest Territories Insurance directory. We hope you find it useful.

Many different insurance organizations and their representatives serve the Northwest Territories with a huge choice of insurance products.

Some of these include:

  • Boat Insurance
  • Business Insurance
  • Car /Auto Insurance
  • Classic Car Insurance
  • Commercial Insurance
  • Critical Illness Insurance
  • Home Insurance
  • Liability Insurance
  • Life Insurance
  • Motorcycle Insurance
  • Mortgage Insurance
  • Oil and Gas Industry Insurance
  • Pet Insurance
  • Property Insurance
  • RV Insurance
  • Travel Insurance
  • Title Insurance

Four Things to Consider When Looking for Cheap NWT Car Insurance

Many Northwest Territories residents often talk about the "best Northwest Territories Insurance rates" as though it's only about getting a cheap rate. And yet, customer service, reputation, reliability and fairness with customers, could greatly improve the overall quality of a NWT insurance quote. It is therefore recommended that you invest some time in assessing insurance providers objectively. It's no secret that the experience and ongoing insurance support provided by some is better than others. An affordable policy combined with great service and a track record of honest dealing with policyholders contributes to creating the best, cheap Northwest Territories car insurance quote. Some key things that could be beneficial are checking the insurance company consumer ratings and reviewing past customer complaints if any, before you decide to actually buy insurance coverage through any particular provider.

Shop Around For Insurance Quotes

Your unique driver profile can generate a drastically different quote and associated insurance premiums at different NWT insurance providers, so getting quotes from multiple competing providers and comparing could save you a lot of money.

Check Your Driving Record

Review your driving record so you know exactly what NWT insurance companies are seeing and how it impacts the insurance premiums you are getting. A good profile will be in demand and help you get a better quote.

Be Aware Of Profile Groups

Your specific profile will designate you into a specific group such as a mature driver, teenager, high-risk driver, low-risk driver, modest risk etc. NWT insurance companies often specialize. Knowing this can help you get a better rate.

Ask For Additional Savings

Don't hesitate to ask for additional savings. You never know what sort of discounts you can qualify for, so asking your insurance company or insurance broker is always a good idea since any sort of discount will further improve your insurance costs.

What Can Statistics Tell us about Northwest Territories Insurance?

The Northwest Territories occupies a vast area of Canada’s north, sharing a border with the other two territories, as well as BC, Northwest Territories and Saskatchewan. While it has the largest population of the three territories, it is still not as heavily populated as any of Canada’s other provinces. It is growing fast though, and the resources and other industry that power its economy are important to Canada, with the Northwest Territories insurance industry playing an essential role.

The Northwest Territories insurance brokers and agents and that serve the territory, and the Northwest Territories insurance companies and outside agencies they work for, provide a way to reduce the risk of many activities that take place, so we decided to dive into the data provided by Stats Can in the 2016 Census to explore the different kinds of insurance links that may be present.

Northwest Territories Population by Age Group

The area of the Northwest Territories is so large relative to the population, that the 2016 Census data records the population density per square kilometre as 0. 21.2 percent were 0 to 14 years of age, 71.1 percent were 15 to 64 years of age and 7.7 percent were 65 years of age and over. The average age of the population was a relatively young 34.9 years old, indicating a need for typical insurance solutions and products like term life insurance, health insurance protection, dental coverage and various kinds of travel insurance going forward.

NWT Housing and Insurance Products

The Northwest Territories is one of Canada’s largest areas, with a land area of 1,143,793.86 square kilometres (around 13 percent of Canada), and with a population of 41,786 individuals. 17,666 total private dwellings were recorded, which means that while not a large insurance market, there is definitely a place for insurance solutions which include home owners insurance, tenant insurance, mortgage insurance, condo insurance, property and assets Insurance and title insurance. These types of insurance products, along with auto insurance, will continue to be the main areas of activity in the Northwest Territories insurance market.

Northwest Territories Income & Insurance Requirements

According to the StatsCan 2016 Census Profile data, the average (after-tax) income in the Northwest Territories was 53,344 dollars, which is considerably higher than the Canadian average which was 38,977 dollars. Many high income professionals are people like doctors, lawyers, accountants and various self-employed individuals like contractors, who have a need to protect themselves from litigation with insurance. Products like commercial general liability insurance, errors and omissions insurance, indemnity insurance and insurance coverages like contractor liability insurance. Again, while small relative to some other parts of Canada these types of insurance plans drive a significant amount of revenue for a variety of NWT insurance companies.

Northwest Territories Commuting To Work and Insurance Products

The vast majority of Northwest Territories residents prefer to drive themselves to work in a typical passenger vehicle like a car, with an almost equal number of men (7,700) and women (7,505) having less than 15 minutes of commuting time. Like the rest of Canada, car insurance is the biggest part of the Northwest Territories insurance industry, with other types of vehicle insurance, like commercial vehicles insurance and motorcycle insurance also playing a part.

Is Auto Insurance Coverage Compulsory in the Northwest Territories?

The Northwest Territories government requires drivers to have car insurance. Fortunately, insurance companies serving the Northwest Territories often provide flexible car insurance payment options that can fit with most income profiles. Different car insurance companies offer different auto insurance rates, with some rates being more economical than others. So, before researching, you should know the basic car insurance laws. As per Northwest Territories law, at a minimum, your auto insurance policy must include Third-party Liability and Accidents Benefits coverage.

Auto Insurance Providers

Private insurers who are non-government insurance providers are responsible for providing NT residents with Northwest Territories auto insurance policies.

Coverage Limits

The minimum requirement is $200,000 for any Northwest Territories auto insurance policy and must be clearly stated within the policy criteria.

Accidents Benefits

Provides benefits that you, certain family and passengers are entitled to receive if injured or killed in a collision. These benefits include income replacement; payment for medical treatment and rehabilitation costs; payment for funeral expenses and payment for grief counseling for family members.

Third Party Liability

Third-party liability coverage provides coverage in a situation where you are liable to pay for damages to another person (injury/death) or damages to their property as a result of your auto collision.

Motor Vehicle Insurance is Essential - Don't Drive Without It!

As per law, in order to drive in Northwest Territories it is mandatory for all Northwest Territories drivers to be covered under the minimum mandatory insurance coverage. Failure to carry valid auto insurance while operating a vehicle in Northwest Territories can lead to numerous fines and place you in a sorely disadvantaged position when being considered for a future Canadian motor vehicle insurance policy.

If you are found driving without a valid Northwest Territories auto insurance policy you could be:

After being convicted of driving without valid auto insurance you could now be identified as a high-risk driver which would put you at a disadvantage and prevent you from being able to enjoy future savings on insurance rates from any Northwest Territories insurance providers

You could be fined anywhere from $5,000 to $50,000

Your driving license could be suspended and your vehicle impounded.

If you are involved in an accident without a valid Northwest Territories car insurance policy you could be:

Denied the option to sue an at-fault driver for compensation for any injuries sustained during an accident

Denied entitlement to receive any form of accidents benefits insurance for loss of income, hospital expenses etc

In the case of an at-fault accident, held personally responsible for the medical costs/losses incurred by the individual harmed

Why You Should Compare Northwest Territories Car Insurance Quotes:

Auto insurance rate comparisons are an effective way to lower your insurance bills.

The very best insurance company is not only about the cheapest price. Your best Northwest Territories auto insurance quote will also incorporate customer support, dependability and honest dealing with customers. Subsequently, remember to check insurance providers diligently before buying coverage. Look at some consumer ratings and what other clients had to say. Most focus only on cheaper rates when it comes to their insurance, but we believe there is considerably more to "best" than simply the cheapest price when it comes to Canadian auto insurance.

Most folks don't know that you can submit identical data to different insurance quote compare services, and you're just about assured to never find the same exact price from each individual insurer. In the event that you've done this before (shopped for Northwest Territories car insurance through a rate comparison engine), you’ve in all likelihood realized that you end up with a range of prices. Sometimes the price range is quite large. This can represent considerable savings on your insurance bill.

Every insurance provider holds their own unique concepts about the way they assess a motorists competencies and the many other factors that involve the risk to themselves when they insure  a driver. Because they each see things slightly differently, it can lead to differences in price from one company to another. In order to be assured that one is the best available vehicle insurance for your needs, it is necessary to comparison shop. Obviously, the more companies you compare, the more likely it is that you'll find a relatively cheap car insurance policy.

Many Insurance Providers

No two Northwest Territories insurance companies are the same in the way they assess driver profiles, so the more you shop around the more options you will have.

Compare Quotes

Always rely on the principle that more competition means more NT insurance companies trying to get your business and providing more competitive quotes.

Check Renewal Dates

Renewal dates are important. If you change your auto insurance policy before your policy renewal date, you could face financial penalties. Keep this in mind.

Ready to compare cheap Northwest Territories car Insurance
& save some money?

Online Advantage

The Internet has developed the world of insurance significantly. Because of this, we can help you search for a free, online, cheap Northwest Territories car insurance policy without having to even leave your home or pick up the phone.

No Pressure Shopping

You can shop for competing insurance quotes from the comfort of your own home without having to worry about purchasing on the spot or feeling pressured to make an immediate decision. It's never been swifter or simpler to find out what your best cheap Northwest Territories car Insurance rate could be.

Free Service

Shopping for cheap Northwest Territories car insurance quotes online costs you absolutely nothing. It's a completely free of charge service to help you find the best possible NWT insurance quotes. There is no obligation or pressure to buy online.

Competitive Quotes

By shopping online, you have access to multiple competing insurance providers without having to invest the time into calling each one. You can be assured that you are receiving the most market competitive insurance quotes available for your location.

Try it now. Compare Cheap Northwest Territories Insurance Quotes. See for yourself.

Auto Insurance in Select Northwest Territories Cities

Car Insurance Guides

Car Accident Insurance Claims Guide

Why trust and use

As a website in large part dedicated to Northwest Territories drivers, we strive to provide the best information about things that matter to Northwest Territories residents who use motor vehicles on public roads. From learn to drive in the Northwest Territories with the NWT Graduated Driver Licensing program, to Northwest Territories Driving License information, to tips for finding the best, cheap Northwest Territories car insurance quotes that Northwest Territories drivers need and want - our mission is to serve drivers - we've been at it since 2011. We can help you with tips, tools and reminders that drivers can really benefit from. Need a car or a car loan? Check out our car financing section, or search our rapidly growing Driver’s Directory to find a specialist insurance broker or agent. You can even challenge your own driving knowledge with a NWT driving test. We invite you to explore all the free services we offer, including our guides on insurance, accidents, winter tires and most other topics that affect drivers in the Northwest Territories.

We'll help you find good coverage for other Northwest Territories insurance products as well, like NWT motorcycle insurance, NWT life insurance and NWT home insurance. Just select the type of insurance coverage you need in our quoting tool, enter your postal code and click the "Start" button to compare quotes.