Service and Savings in Nova Scotia

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Auto Nova Scotia2025-12-15T19:28:30-03:30

Save on car insurance in Nova Scotia.

We’re one of Nova Scotia’s largest independent brokers. We specialize in auto insurance. With a simple online quote or a quick call, you will get quotes from up to eight insurance companies. And with savings of up to 30%, you’ll be on the road with Nova Scotia’s best auto protection and benefits. That’s a promise.

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Real people.

Our customers love to save.

I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.

Kay, St. John's

Lisa is the bomb. We are in Ontario and she made it so easy for us. Thanks Lisa at Munn Insurance.

Diane, St. John's

I thought it would be difficult to switch from my current insurer – but my new policy was easy to set up! Plus I saved on my car and home insurance.

Peter, Halifax

Real people.

Our customers love to save.

I am incredibly impressed with Munn. The person I spoke with really cared about my needs and didn’t brush me off as some competitors try to do.

Kay, St. John's

Unique benefits of a Munn Insurance auto policy.

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Great additional features that come standard with your car insurance policy from Munn Insurance:

  • Unbeatable customer care – we will show you the love
  • Easy monthly payments – unparalleled convenience
  • Discounts, discounts and more discounts – too many to list them all
  • Accident forgiveness – the best available
  • Local, fast and efficient 24-7 claims service
  • Combine your home and auto policy and save on both – most companies only give the home discount
  • Industry leading new vehicle 30-month depreciation waiver – which is insurance speak for “more money in your pocket!”

Compare auto insurance quotes in Nova Scotia — and just see what you can do with the savings!

In Nova Scotia, auto insurance is available from a wide array of private companies who 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 and find the best car insurance and save on their auto insurance premiums.

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We do the shopping. You get the savings.

Customers love choice. And they love saving too! At Munn Insurance, we deliver on both. As an independent insurance broker, we shop our extensive network of insurance partners to provide our customers with choices to provide the best coverage at the best rate. Some of the insurance companies we search for our customers include:

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Recent Auto Insurance Quotes in Nova Scotia

How Munn Insurance saves you money.

We work for you – that’s what an insurance broker does. We shop the market on your behalf, so Munn insurance can offer you the most access to the best discounts from our insurance partners.

  • Bundling (Auto + Home Discount)
  • Multiple Vehicle Discounts
  • Experienced Drivers Discount
  • Safe Drivers Discount
  • Claims-Free Discount
  • Loyalty Discount
  • And Many More

Combine your home and car policies and save.

With Munn Insurance, home and auto policies are better together. It means extra savings and additional coverage.  So combine them both and receive a discount on both. That’s like a double discount!

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
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Special discounts and savings with a Munn Insurance Group policy.

We recognize the value groups provide to Newfoundland communities. First Responders, Health Care Professionals, Alumni Associations, Educators and Instructors all play a vital role in helping others across the Island. They give so much, and we’re happy to give back. Munn Insurance Preferred Groups in Newfoundland 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
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A. Harvey

Get Nova Scotia’s best leisure vehicle protection.

Nova Scotians love their leisure time and their leisure vehicles. MyRide Leisure Insurance from Munn Insurance is the most competitive, comprehensive leisure vehicle insurance available in Nova Scotia. Whether it’s your ATV, motorhome, motorcycle – or any of your 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
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A girl on a boat wearing a life jacket and holding a fishing rod.
Two people riding a snowmobile.
Someone driving a motorcycle.

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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Nova Scotia car insurance – your questions answered.

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How is fault determined by insurance companies in Nova Scotia?2022-09-23T14:25:35-02:30

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.”

What insurance system does Nova Scotia adhere to?2022-09-23T14:25:35-02:30

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.

In Nova Scotia, what are the penalties for driving without auto insurance?2022-09-23T14:25:35-02:30

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.

Is auto insurance mandatory in Nova Scotia?2022-09-23T14:25:35-02:30

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

What can I do to find cheap auto insurance in Nova Scotia?2022-09-23T14:25:35-02:30

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
Nova Scotia’s auto insurance rates are low. Why?2022-09-23T14:25:35-02:30

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.

How do auto insurance rates in Nova Scotia compare to other provinces?2022-09-23T14:25:35-02:30
  • 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

What are the factors used to determine auto insurance rates in Nova Scotia?2022-09-23T14:25:35-02:30

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
In Nova Scotia, who determines auto insurance rates?2022-09-23T14:25:36-02:30

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.

Auto Insurance by community content.

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.

Our Latest Advice

A New Insurance Benefit for IUOE Local 727 Members: Better Coverage, Service, and Savings

As part of our ongoing commitment to providing value to members, IUOE Local 727 is pleased to introduce a new group insurance benefit.

Members now have access to a dedicated Group Home and Auto Insurance Program through Munn Insurance. This program has been designed to give members the opportunity to explore coverage options, personalized service, and potential savings available through their union membership.

What is the IUOE Local 727 Group Home and Auto Insurance Program?

The IUOE Local 727 Group Home and Auto Insurance Program is a member benefit available through Munn Insurance. It gives members the opportunity to review their current home and auto insurance and see whether a group program can provide improved value.

This program is designed to help members access competitive insurance options, personalized advice, and potential group savings through an experienced insurance broker that understands the importance of service, protection, and making informed decisions.

Why choose a group insurance program through a broker?

Home and auto insurance can vary significantly from one insurance provider to another. The company that offered you the best rate last year may not be the best fit today, and many people renew their policies without knowing whether better options are available. That is where a broker can make a real difference.

Munn Insurance works with multiple insurance markets, giving members access to a wider range of options than they would get from a single insurance company. This means members have the opportunity to compare coverage, service, and pricing to find a policy that fits their needs.

Direct writers are limited in that they only have one market to offer and often have restrictive coverages and limited options.

Through the Group Home and Auto Insurance Program, members may be able to access competitive rates, group savings, and coverage options designed to provide strong value. In many cases, working with a broker can help identify savings opportunities while also making sure important coverage is not overlooked.

A broker can also help explain policy options, answer questions, and make the insurance process easier from quote to renewal.

Better coverage for real life

Every household is different. Your insurance should reflect that.

IUOE Local 727 members work in a variety of roles, including Paramedics, LifeFlight Staff, Clinical Transport Operators, Emergency Medical Responders, and Medical Communications Centre Registered Nurses. Members also have different work schedules, commuting needs, family circumstances, vehicles, homes, and lifestyles.

Factors like home type, driving habits, family needs, claims history, deductibles, liability limits, and bundled coverage can all make a difference.

Through the Group Home and Auto Insurance Program, members can receive guidance on coverage options for home and auto insurance, including opportunities to bundle policies, review limits, explore available discounts, and make sure their protection still fits their current situation.

The goal is not simply to sell a policy. The goal is to help members make informed insurance decisions.

Better service from a team that is ready to help

Insurance should not feel complicated or impersonal.

With Munn Insurance, members can work with a team that takes the time to understand their needs. Members can ask questions, review existing coverage, compare options, and receive advice from licensed insurance professionals.

That personal service can be valuable when buying a policy, but it can be even more important at renewal, after a major life change, or if a claim happens.

Having a broker means having someone who can help guide you through the process, explain your options, and advocate for your needs.

Better savings through group buying power

One of the key advantages of a group insurance program is the potential for savings.

Because the program is available to IUOE Local 727 members, eligible members may be able to access preferred rates, discounts, or additional benefits that may not be available through a standard individual policy.

Savings can also come from reviewing your current coverage, bundling home and auto insurance, adjusting deductibles, applying eligible discounts, or moving to an insurance market that is a better fit for your needs.

Even if you are happy with your current insurance, it may still be worth getting a second look. You may discover that your union membership gives you access to options you did not know were available.

Why it is worth learning more

Home and auto insurance are important parts of financial protection. But many people renew their policies year after year without reviewing whether they still have the right coverage, the right service, or the best available value.

The IUOE Local 727 Group Home and Auto Insurance Program gives members a reason to take a closer look.

By connecting with Munn Insurance, members can find out whether the program may offer:

  • More suitable coverage for their needs
  • Competitive home and auto insurance rates
  • Potential group savings
  • Advice from a licensed insurance broker
  • Service and support from a team that is ready to help
  • Access to multiple insurance markets
  • Help understanding coverage options before making a decision
  • A practical benefit available through their IUOE Local 727 membership

Your union membership connects you with support, representation, and your professional community. Now, it can also help connect you with a dedicated insurance program designed to provide value beyond your day-to-day work.

Whether you are buying a home, renewing your auto insurance, reviewing your family’s coverage, or simply wondering whether you could be getting better value, this new program is worth exploring.

Get Started

Members are encouraged to contact Munn Insurance to learn more about the IUOE Local 727 Group Home and Auto Insurance Program and request a quote.

You may find better coverage, better service, and better savings are available through your union membership.

Contact Munn Insurance today at 1-855-726-8627 to learn more about your IUOE Local 727 Group Home and Auto Insurance Program or visit www.munninsurance.com.

August 27, 2026|Categories: Auto Nova Scotia, Home Nova Scotia|
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