Whether you’re commuting through Fredericton, heading to Hopewell Rocks for a weekend adventure or setting out on a New Brunswick road trip, you need car insurance you can count on. Sonnet makes it simple to get auto insurance in New Brunswick – all online, in a language you can understand and in just a few minutes.

Why is car insurance important in New Brunswick?

• Auto insurance isn’t optional in New Brunswick. It’s required by law for every driver
• Slippery roads, wildlife crossings and long drives come with risks – even for careful drivers
• It can help with the cost of repairs or medical care after an accident, so you’re not paying for everything out of pocket
• Finding the best car insurance in New Brunswick for your needs means you’ll be covered when it matters most

Understanding New Brunswick auto insurance coverage

When you insure your vehicle in New Brunswick, certain types of coverage are required by law. You can also choose optional add-ons for extra protection. Here’s a quick breakdown of what’s mandatory, plus some extras you might like:

Mandatory coverage in New Brunswick

Liability
This covers damage or injury you cause to someone else or their property in an accident. It also covers the cost of your legal defence if you’re sued for the accident. 

Direct compensation for property damage (DCPD)
If you’re in a collision and not at fault, this covers damage to your car and its contents through your own insurer. If you’re partly at fault, it covers the portion you’re not responsible for. Keep in mind, hit and runs aren’t covered under DCPD, so consider adding collision or upset coverage for that. 

Accident benefits
If you’re injured in an accident, this helps pay for some medical care, rehab and lost income — no matter who caused the accident.

Uninsured automobile
Protects you if you're in an accident with an uninsured or unidentified driver, allowing you to use your own insurance to pay for medical, rehab or vehicle repair costs.

Optional coverage for New Brunswick drivers

Collision or upset
Covers repairs if your vehicle collides with another car or an object, like a guardrail or a snowbank. This also provides coverage if your car rolls over or if your vehicle is subject to a hit and run and reported to police within 24 hours. 

Comprehensive
Covers loss or damage from non-collision events like theft, vandalism, fire or weather.

Note: Although collision and comprehensive coverage are optional, they’re highly recommended. Without them, you’ll have to cover the costs if any of the above happen.

Accident forgiveness
Have a clean driving record for the past six years? We’ve got your back. Your first at-fault accident won’t change your rating.

Note: It only applies to your first at-fault accident. If there’s another one, accident forgiveness comes off your policy, and both accidents will count toward your rate.

Ticket forgiveness
Minor ticket? No big deal. If you’ve kept a clean record for six years, your first minor conviction won’t affect your rate at renewal.

Note: If you receive another minor ticket within three years of the first, this coverage ends. This means your rate will reflect both tickets – and any future ones.

Transportation costs
Helps pay for a rental car or transportation costs like public transit and ride share, while your vehicle is being repaired.

Depreciation waiver
If your newly leased or owned car is a total loss, you could get the purchase price of your vehicle, without a reduction for age or wear and tear.

All perils
The broadest coverage option. It includes all the benefits of collision and comprehensive protection. Plus, it covers you if your car is stolen by an employee or a member of your household.

Get a New Brunswick car insurance quote in minutes

Getting auto insurance shouldn’t be complicated. That’s why Sonnet gives you a personalized quote in just a few quick steps:

Step one: Tell us about you and your vehicle

Start by entering your vehicle details – year, make, model and how it’s used. Then, fill in your personal info. If there are other drivers in your household, add them and assign each one to the vehicle they drive the most.

And don’t forget to add a group discount if you’re eligible. It could help you save more on your auto insurance.

Step two: Customize your coverage

Once you see your quote, you can tailor it to fit your needs. Adjust your coverage limits, tweak your deductibles and add any optional protection that makes sense for you.

Step three: Purchase your policy

When you’re ready, you can purchase your policy or save your quote and come back to it later.

File auto claims online anytime

Sonnet takes the stress out of filing auto claims. When you use our online claims service, you’ll receive step-by-step guidance throughout the entire process. And with 24-hour emergency service, we’re here when you need us most.

Save money on auto insurance in New Brunswick with Sonnet

From recognizing your academic achievements to rewarding your safe driving, Sonnet has many ways to help you save on auto insurance in New Brunswick.

• Canadian university and college alumni
  Graduate from a Canadian university or college? Your hard work could help you save.
• Claims free
  If you’re lucky enough to have been claims-free for six years, you could save.
• Bundling home and auto
  Save more when you bundle auto and home insurance with Sonnet.
• Multi-vehicle
  Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
• Convictions free
  Good driving behaviour deserves to be rewarded!

Questions about auto insurance in New Brunswick? We’ve got answers

Does New Brunswick use a no-fault auto insurance system?

Yes, New Brunswick uses a no-fault auto insurance system. If you’re involved in an accident, you’ll always deal with your own insurance company to file a claim – regardless of who was at fault. In some cases, you can still take legal action to recover costs that aren’t covered by your accident benefits.

Can I get car insurance in New Brunswick as a new driver?

Yes, you can get car insurance in New Brunswick as a new driver. Your premium may be higher at first, but over time, safe driving can help bring it down. At Sonnet, new drivers can get coverage online in just a few minutes.

How do you file an auto insurance claim in New Brunswick?

Filing an auto insurance claim with Sonnet is simple – and we’re here to help at every step:

Step one: Log in to your Sonnet account

This will give you quick access to your policy number and the coverage details of your car insurance policy.

Step two: Report your claim online or over the phone

To report your claim online:
Click the "Start a digital claim" button and follow the prompts.

Need help? Our claims team is available to you via chat Monday to Friday, 8 a.m.–6 p.m. ET.

To report your claim over the phone:
Call 1-844-766-6384. Be sure to follow the prompts – this helps us properly direct your call and saves you time.

For non-emergencies, it’s best to call during business hours, Monday to Friday, 7 a.m.–8 p.m. ET.

Step three: Work with our claims team

Once we’ve confirmed your claim is eligible, your assigned claims team member will walk you through your coverage, explain your options and help get repairs started as soon as possible.

Step four: Settling your claim

When it comes time to pay, we’ll mail you (or the repair shop) a cheque based on your coverage and the type of claim. Your assigned claims team member will explain if and how your deductible will be applied.

How can I save money on car insurance in New Brunswick?

At Sonnet, we think great coverage pairs well with smart savings. That’s why we offer multiple ways to save money on car insurance – like bundling home and auto, keeping a clean driving record and even a discount for graduating from a Canadian university or college.