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Save on auto insurance in Nova Scotia.

Munn Insurance is one of Nova Scotia's largest independent brokers. We specialize in affordable, and easy to obtain auto insurance.

With a simple online quote or a quick call, you’ll get quotes from up to eight insurance companies best suited to your personal preference. And with savings of up to 30%, you'll be on the road with Nova Scotia’s best auto protection and benefits in no time.

That’s a promise!

Nova Scotia Car Insurance – Your Questions Answered.

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  • In Nova Scotia, who determines auto insurance rates?

    Auto insurance rates in Nova Scotia are determined by individual insurers. The Office of the Superintendent of Insurance then reviews and approves the rates. Nova Scotia auto insurance is also regulated by The Nova Scotia Insurance Review Board, in addition to monitoring rates across the province.

  • What are the factors used to determine auto insurance rates in Nova Scotia?

    A variety of factors are used by Nova Scotia insurers to set auto insurance rates:

    • Your gender
    • Deductible amount
    • Your vehicle’s value
    • How you use your vehicle
    • Distance you drive each day
    • Who else is driving the vehicle
    • Type of coverage chosen
    • Driving record/claim history of all drivers
    • Vehicle type and theft rating
  • How do auto insurance rates in Nova Scotia compare to other provinces?

    Nova Scotia auto insurance premiums fall in the lower half of the national rate spectrum.

    • Ontario $1445
    • British Columbia $1680
    • Alberta $1251
    • Manitoba $1080
    • North West Territories $978
    • Nunavut $963
    • Nova Scotia $847
    • Saskatchewan $936
    • New Brunswick $819
    • Prince Edward Island $796
    • Quebec $661

    Source: Insurance Bureau of Canada, 2017 and 2016 for Quebec

  • Nova Scotia’s auto insurance rates are low. Why?

    Insurance reforms implemented by the Nova Scotia Government in 2003 helped reduce rates by 27%. The reforms also resulted in a wider range of insurance options for consumers.

  • What can I do to find cheap auto insurance in Nova Scotia?

    There are many ways to get cheap auto insurance in Nova Scotia:

    • Work with an independent broker who can help you find the best policy
    • Always pay your premiums on time
    • Choose a vehicle with less susceptibility to theft
    • Choose a vehicle with more safety and security features
    • Maintain a good driving history
    • Obey the rules of the road and avoid speeding tickets
    • Understand and choose the right type of insurance coverage
    • Shop around for the best policy
  • Is auto insurance mandatory in Nova Scotia?

    Yes, Nova Scotia motorists are required by law to carry insurance on their vehicle.

  • In Nova Scotia, what are the penalties for driving without auto insurance?

    A first offence conviction for driving without auto insurance in Nova Scotia requires payment of a $1000 fine or 45 days in jail. For a second offence the fine is $2000 or 90 days in jail. The third offence results in a $5000 fine or 120 days in jail. Convictions for driving without auto insurance mean you will be identified as a high risk and will be required to pay higher auto insurance rates.

  • What insurance system does Nova Scotia adhere to?

    Nova Scotia’s auto insurance system is a no-fault system, meaning regardless of who’s at fault, drivers deal with their own insurance company.

  • How is fault determined by insurance companies in Nova Scotia?

    The Automobile Insurance Fault Determination Regulations determine who is at fault in an auto accident in Nova Scotia. Insurers must comply with Section 4 of the regulations. Section 4 states: “An insurer must determine the degree of fault of an insured for loss or damage arising directly or indirectly from the use or operation of an automobile in accordance with these regulations.”

Save on auto insurance in Nova Scotia.
Munn Insurance is one of Nova Scotia's largest independent brokers. We specialize in affordable, and easy to obtain auto insurance.

With a simple online quote or a quick call, you’ll get quotes from up to eight insurance companies best suited to your personal preference. And with savings of up to 30%, you'll be on the road with Nova Scotia’s best auto protection and benefits in no time.

That’s a promise!

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We can save you up to 30%
without breaking a sweat.

Ready to get the best auto insurance rates? Your savings are just a click away!

Unique benefits of a Munn Insurance auto policy.
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Great additional features that come standard with your automobile insurance policy from Munn Insurance:

  • Unbeatable customer care – we’re always here to help when you’re in need
  • Easy monthly payments – unparalleled convenience for a stress-free experience
  • Discounts, discounts, and more discounts – call us and inquire today!
  • Accident forgiveness – mistakes happen, we get that!
  • Local, fast and efficient 24-7 claims service – we make quick problem solving easy 
  • Combine your home and auto policy – with us, you save big on a combination home and auto policy. Most competitors only offer a home insurance discount.
  • New vehicle 30-month depreciation waiver – With our industry-leading depreciation waiver, you’ll have more money in your pocket! 

Compare Auto Insurance Quotes in Nova Scotia! – What Will You Do With Your Savings?

In Nova Scotia, auto insurance is available from a wide array of private companies that compete with one another to allow consumers to shop around for a better rate.

As an independent broker, Munn Insurance can provide you with quotes from up to eight insurance companies.  By calling Munn, or going online for a quote, customers in Nova Scotia can easily compare car insurance rates, save on their auto insurance premiums, and find the best car insurance to fit their lifestyle.

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We Do The Shopping So You Don’t Have To!
At Munn Insurance, we take pride in delivering the best possible rates on auto insurance to our devoted customers. We browse our extensive network of insurance partners to provide our customers in Nova Scotia with the best coverage, at the best possible rate. Insurance companies we search for our customers include but are not limited to:
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Recent Auto Insurance Quotes in Nova Scotia

Ready to get the best auto insurance rates? Your savings are just a click away!

How Munn Insurance saves you money.

At Munn Insurance, we are committed to getting you the best deals, that’s our specialty! We shop the market on your behalf, so we can give you the most offers with the best discounts from our insurance partners. Munn Insurance saves you money by:

  • Bundling (Auto + Home Discount)
  • Multiple Vehicle Discounts
  • Experienced Drivers Discount
  • Safe Drivers Discount
  • Claims-Free Discount
  • Loyalty Discount
  • And Many More
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Combine Your Home and Auto Policies and Save.

With Munn Insurance, home and auto policies are better together. That means extra savings and additional coverage, personalized for you. Combine them both and receive a discount on both today! Combining also gives you the extra convenience of aligned renewal rates and less paperwork.

You can combine your auto policy with any Munn Insurance home policy for the following dwelling types:

  • Private Homes
  • Condos
  • Tenants
  • Cabins/Cottages
  • Rented Dwellings

Special Discounts With Our Group Policy.

There are many professionals within our Nova Scotian communities who devote their lives and careers to helping others and bettering our province. First Responders, Health Care Professionals, Alumni Associations, Educators, and Instructors all play a vital role in helping Nova Scotia develop and flourish. They give so much, and we’re happy to give back.

Munn Insurance Preferred Groups in Nova Scotia are able to take advantage of special discounts and many extra-valuable benefits.

  • Special Group Discounts
  • Mortgage & Real Estate Assistance
  • 0% Insurance Financing
  • Home Repair Assistance
  • Legal Assistance
  • Health Assistance
Munn Insurance Group Insurance for First Responders
Munn Insurance Alumni Group Coverage
Munn Insurance Group Insurance for Healthcare Professionals
Munn Insurance Group Insurance for Educators
Munn Insurance Group Insurance for Paramedics

Do you fall under one of our Preferred Groups? Call today, or request a quote online to see your savings!

Your Leisure Vehicle, Our Best Insurance Pricing.

At Munn Insurance, we understand just how important leisure time is. Our MyRide Leisure Insurance is the most competitive and comprehensive leisure vehicle insurance available in Nova Scotia. Whether it’s your ATV, motorhome, motorcycle – or any other leisure vehicles – A Munn policy offers more protection and value than any other program you’ll find.

  • Boat and Watercraft
  • ATV
  • Snowmobile
  • Classic Cars and Auto
  • Motorhome, RV and Trailer
  • Motorcycle
Munn Insurance MyRide Leisure Classic Car
ATV Munn Insurance MyRide Leisure
RV Motorhome Munn Insurance MyRide Leisure
Boat Watercraft Munn Insurance MyRide Leisure
Snowmobile Munn Insurance MyRide Leisure
Motorcycle Munn Insurance MyRide Leisure
Car insurance laws in Nova Scotia.

It is mandatory to have auto insurance for all vehicles in Nova Scotia. The province has enacted “financial responsibility laws” to ensure drivers are accountable for the financial consequences of their actions while on our roads.

Current limits for auto insurance in Nova Scotia are:

  • $500,000 liability coverage
  • $50,000 medical payments coverage
  • $2,500 funeral benefits
  • Disability income/death benefits for persons injured or killed in an auto accident
  • Uninsured and unidentified driver insurance

Nova Scotia has a no-fault-based insurance system. This means drivers can file claims with their own insurance company, regardless of who is at fault for the accident. In addition, the province does not take age or marital status into account when determining risk.

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Main Street Nova Scotia Auto Insurance
As one of Atlantic Canada’s largest independent brokers, we work for you – not the insurance company. So we always have your best interests at heart. That’s why we will shop around to find you the best insurance at the best price.
Ready to get the best auto insurance rates? Your savings are just a click away!