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Car Insurance in Nova Scotia

Drivers in Nova Scotia know that the scenery here is what postcards are made of. With coastal communities and scenic waterfronts, a picture-worthy lighthouse is only a short drive away – so feel confident your auto insurance coverage fits your needs.

In Nova Scotia, Mandatory Car Insurance Coverages Include

In Nova Scotia, types of auto insurance coverage you need to have by law are Liability Coverage, Direct Compensation, Uninsured and Unidentified Automobile Coverage, and Accident Benefits Coverage.

  • Liability Coverage

    If you injure someone or damage property, payments are made on your behalf.

  • Direct Compensation

    Damages to your car are covered to the extent at which you are not at fault in a collision.

  • Uninsured & Unidentified Automobile Coverage

    Medical costs and damage are covered if an uninsured driver is at fault.

  • Accident Benefits Coverage

    Regardless of who is at fault, medical and other expenses you are entitled to receive are covered.

Enhanced and Special Coverage for Nova Scotia

Choose one of these options for beyond-the-minimum protection for your car.

  • Specified Perils

    Protects your vehicle from specified perils such as losses caused by fire, floods, hail or theft.

  • Comprehensive

    All other insured damage caused to your vehicle (except collision or upset).

  • Collision or Upset

    Damage to your vehicle caused by a traffic collision with another vehicle or object.

  • All Perils

    The broadest level of coverage — combines Collision or Upset and Comprehensive coverage along with increased theft protection.

  • Accident Forgiveness

    With Accident Forgiveness, your car insurance rates won’t go up if you have an at-fault or partially-at-fault accident.**

    Learn More

  • Uninterrupted Driving Coverage

    With Grand Touring, travel worry free within Canada and the U.S. because you’re covered for rental car insurance, a temporary rental car, and even towing.

    Learn More

  • Limited Waiver of Depreciation

    In the event of a total loss, you could get the purchase price of your vehicle as your settlement value1.

    Learn More

Steps to buy car insurance online

  1. Start your quote

    Begin your quote by answering a few questions. With the information you provide we’ll be able to:

    • Assess your needs and recommend coverage
    • Determine what discounts are available to you
    • Give you the most accurate quote

    And of course, it’s all 100% confidential.

  2. Customize your coverage

    Once you've completed your quote we’ll provide you with our recommended coverage options based on your individual needs.

    You’ll be able to:

    • Adjust your deductible amounts
    • Alter your coverage limits
    • Proceed with buying online‡

  3. Set up payment, review coverage and buy

    Once you’re satisfied with your coverage, you can:

    • Review your payment options
    • Confirm your payment method
    • And review your summary

    Now you can finish the process and put your feet up.

Save 5% on Car Insurance when you quote & buy online2.

Get a car insurance quote

Ways you can save with TD Insurance

  • Alumni and Professional Savings

    Alumni and Professionals who bundled their home and car insurance saved an average of $1,370.4

  • Multi-vehicle discount

    From a second car to a recreational vehicle or motorcycle, adding more vehicles to your policy is an efficient way to save money on car insurance.

  • Drive a hybrid or electric vehicle

    You can save 10% on car insurance when you insure your hybrid or electric vehicle with TD Insurance.5

File a Claim Right from Your Phone!

Let us be there for you when you need it most. With the TD Insurance Mobile App, you'll receive step-by-step guidance through the claims process, be able to take photographs, and track the status of your claim.

Well, that depends on a few things. We look at several key factors when calculating your auto insurance premium (and so do other insurance companies):

  • Your car make, model, and year are taken into consideration when quoting you a price. The kind of car you have determines its value, safety features, and how much it would cost to repair damages.

  • How you drive your car in addition to the number of kilometers you drive every year, including daily commute and business use.

  • Your driving record, which includes things like the number of years you've all been licensed for, speeding tickets, and accidents.

  • The area in which you live affects premiums – whether it's Halifax, Sydney, Antigonish, or elsewhere.

  • The coverage and add-ons you choose might cost more but can provide you with additional benefits that could save you money in the event of an accident.

  • We offer ways to save with preferred rates for professionals and alumni being one of the ways. Refer to the section below to find all the ways you can save on your insurance.

Learn more about how auto insurance premiums are calculated

Here are a few simple tips to save on car insurance in Nova Scotia:

  • Insure all your cars with us so you can make the most of our "multi-vehicle discount."
  • Insure both your car and home with us so that you qualify for a "multi-line discount."
  • Increase your deductible – insurance is really meant to cover you for damages you could never afford on your own.Generally speaking, a higher deductible can mean a lower premium.
  • Think about removing collision coverage if you drive an older car. This means weighing the cost of collision coverage with the value of your car and chosen deductibles.
  • Maintain a great driving record by remaining claims-free and conviction-free.
  • Consider driving a "low-risk" vehicle. Vehicles with a widespread history of theft are more likely to have a higher premium. Read more here.
  • Quote and buy car insurance online for extra savings.

Learn more about how you can save on car insurance

Once you've decided on the right kind of auto insurance coverage and deductible amounts with your insurance provider, you will pay for an insurance premium. This will provide you financial protection against physical damage or bodily injury that can happen from traffic collisions. It can also cover liability costs if you ever injure someone else or their property in a car accident. With enhanced and special coverage options, you can explore ways to add extra protection also.

To be eligible for auto insurance, you (and all drivers you wish to include in the policy) must have a valid driver's license. Insurance companies will look at your prior driving record to determine eligibility and rates. Other eligibility restrictions may arise from past convictions. This too will vary depending on when your last conviction occurred and the nature of the conviction.

Other insurance conditions may arise depending on the type of vehicle, its use, and any customizations or modifications made to the vehicle. For example, if you've altered your vehicle to enhance its performance or appearance, most insurance companies would need to assess the vehicle to determine if they could insure it. If you plan on modifying your vehicle, call us first! We will let you know if the changes you plan on making could have an impact on your policy and your premiums.

Learn more about Car Insurance Eligibility and Restrictions

If you're looking for an auto insurance quote in Nova Scotia, use our online quoter. It's fast, efficient, and will provide you with a personalized quote right now. To get started, you will need your driver's license handy and some basic information about your car. You will also need to provide some specifics about your driving history and the history of other drivers who will likely drive the car. Once completed, the quote will be valid for 45 days, so you can refer to it at any point within that time.

Keep in mind that the minimum car insurance coverage required is determined by the Government of Nova Scotia and may vary in comparison to Ontario, New Brunswick, Newfoundland/Labrador, Alberta, Prince Edward Island, and Quebec. Premiums may also vary depending on the area in which you reside.

Now you can drive along the scenic coastline and feel confident your coverage fits your needs.

‡Conditions apply. Subject to eligibility rules.
 Note: You may not always be given the option to buy online. If this happens, we encourage you to call and speak to one of our licensed advisors, or let us call you!

1 Nationally, the 744 new TD Insurance customers who were surveyed between March 4th, 2024 to March 18th, 2024 and July 5th, 2024 to July 17th, 2024, who reported their annual car insurance premiums paid to their previous insurance provider and who reported their annual car insurance premiums payable to TD Insurance upon switching their car insurance policy, reported an average annual premium savings of approximately 24%. The survey sample consisted of new customers who switched their car insurance policies to TD Insurance between August 1st, 2023 to June 25th, 2024. It was conducted with a 95% confidence interval and produced a 2% margin of error. These survey results do not include customers in British Columbia, Manitoba or Saskatchewan. Savings amounts are not guaranteed; actual annual premium savings obtained nationally from switching car insurance policies to TD Insurance varies based on each customer's individual insurance profile and province of residence. Certain conditions, limitations and exclusions apply to all offers.

2 In order to be eligible for the Buy Online Discount for car insurance, you must meet eligibility requirements to buy car insurance online and complete your purchase of this insurance online. Note: You may not always be given the option to buy online. This may occur, for example, if information provided requires additional verification or if your purchase must be completed with an advisor based on your specific insurance needs. If you are unable to buy online, we encourage you to call and speak to one of our licensed advisors or let us call you!

Offers may be changed, withdrawn or extended at any time without notice.

• 10% Auto Insurance Savings (Ontario)

10% savings off eligible coverage in the first policy term is derived from a combination of two separate discounts:

- a 5% Digital Discount for completing the auto insurance quote online, applied when the auto insurance purchase is also completed online. The Digital Discount will continue to be applicable upon policy renewal.

And

- 5% Buy Online Discount in the first policy term for completing the auto insurance purchase online.

Both the Digital Discount and Buy Online Discount are applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation - Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and OPCF 44.

• 10% Savings on Car Insurance (Quebec)

A Buy Online Discount of 10% in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Civil Liability, Damage to Insured Vehicles (All Perils, Collision or Upset, Comprehensive and Specified Perils).

• 5% Auto Insurance Savings (Alberta)

A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44

• 5% Auto Insurance Savings (Nova Scotia & Newfoundland)

A 5% Buy Online Discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Uninsured Motorist.

• 5% Auto Insurance Savings (PEI)

5% Buy Online Discount in the first policy term for completing the auto insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Bodily Injury, Property Damage, Accident Benefits, Uninsured Automobile, Direct Compensation – Property Damage, All Perils, Collision, Comprehensive, Specified Perils and Underinsured Motorist.

• 5% Auto Insurance Savings (Nunavut, Northwest Territories, Yukon)

5% Buy online discount in the first policy term will be available to customers for completing the car insurance purchase online. The Buy Online Discount is applicable to premiums charged for each of the following coverages: Third Party Liability, Accident Benefits, All Perils, Collision, Comprehensive, Specified Perils, and S.E.F. No. 44.

3 Nationally, as of April 26, 2024, our customers (with insurance policies underwritten by either Security National Insurance Company, Primmum Insurance Company, TD General Insurance Company and TD Home And Auto Insurance Company) who insure their car with us and who meet the claims-free savings criteria applicable to their province or region with regard to the number of years spent claims-free, saved an average of 30%, expressed regionally as:

35% in Ontario
15% in Quebec
25% in Alberta, Nunavut, Northwest Territories and Yukon
30% in the Atlantic Provinces

when compared to the premium they would have paid if, within the previous 12 months, they made a claim that would have negatively affected their premium. These claims vary by province. Savings are not guaranteed and vary based on the customer's profile, province/region and product.

4 Nationally, the average annual savings of all of our clients who belong to a professional or alumni association that have an agreement with us and who insure both a residence and a car on May 26 2023 (underwritten by Security National Insurance Company ) was

- $1370 when purchasing both homeowner and car insurance
- $900 when purchasing both condo and car insurance
- $850 when purchasing both tenant and car insurance

when compared to the premiums they would have paid without the preferred insurance rate for groups and the multi-product discount. Savings are not guaranteed and will vary based on the client's profile and province or territory of residence. Due to provincial legislation, car insurance is not available in British Columbia, Manitoba and Saskatchewan.

5 A 10% discount is applied on insurance coverage for private passenger vehicles that are identified as hybrid or electric vehicles, as per the Insurance Bureau of Canada's vehicle description tables.

This discount is applied to premiums for the following coverages: Bodily Injury, Property Damage, Direct Compensation – Property Damage, Accident Benefits, Uninsured Automobile, All Perils, Collision or upset, Comprehensive, Specified Perils and OPCF 44.

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6

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