Skip to main content

Auto Insurance Newfoundland & Labrador

From St. John’s to Corner Brook, we’ve got you covered with the best rates for auto insurance in Newfoundland & Labrador.

Home » Personal Insurance » Auto Insurance

Looking for the Best Rates for Auto Insurance in Newfoundland?

Look no further than Wedgwood Insurance. With affordable auto insurance rates and exceptional customer service, we are the perfect choice for all your car insurance needs. Our experienced team will work with you to find the best coverage at the best price. Whether buying a new or used car, only settle for the best – choose Wedgwood Insurance today for your auto insurance in Newfoundland & Labrador.

We understand your needs. You’re seeking affordable auto insurance, top-notch coverage, and a dedicated insurance team that prioritizes your satisfaction. However, the process of shopping for insurance can often be cumbersome. At Wedgwood Insurance, we excel in speed and diligence. We diligently scour various auto insurance providers in Newfoundland to secure the most competitive rates and comprehensive coverage for you.

Auto Insurance Newfoundland


Independent Broker

Auto insurance in Newfoundland and Labrador is provided by many companies, and they all want you to insure your vehicles with them. As an independent insurance broker, we pride ourselves on providing straightforward, uncomplicated, and honest advice. When you choose to purchase your auto insurance with Wedgwood, you can rely on the most up-to-date and impartial advice. We shop around on your behalf to find the best policy at an affordable price.

Get Your Free Auto Insurance Quote Today

If you’re looking for truck or car insurance in Newfoundland & Labrador, one of our professional advisors will be happy to explain the types of coverage we can offer and give you a free quote. Your automobile can be a fairly costly investment – one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need with an auto insurance premium you can afford.

Combine Your Home & Auto Insurance

Getting your home and auto insurance from the same company will often result in a discount. These discounts can range anywhere from 10 percent to 25 percent of the policy premium, resulting in significant savings for policyholders who qualify. Let us help you get the best rates for home & auto insurance in Newfoundland.
Get an Auto Insurance Quote

It is legally required for all drivers to have auto insurance in Newfoundland & Labrador

Auto insurance in NL is a legal requirement for all drivers. It provides financial protection against accidents, theft, and other unexpected events that may result in damages to your vehicle or injuries to you or other drivers.

Third-Party Liability, Collision and, Comprehensive Coverages

There are several types of auto insurance policies available in Newfoundland, including third-party liability coverage, collision coverage, and comprehensive coverage.

Third-party liability coverage is the minimum requirement for auto insurance in Newfoundland and covers damages and injuries that you may cause to other drivers or their property.

Collision coverage, on the other hand, covers damages to your vehicle in the event of an accident. Comprehensive coverage protects against theft, vandalism, and other non-collision-related damages.

Drive More, Pay Less

As a Newfoundland & Labrador insurance brokerage, it’s our job to ensure we find the best car insurance solution for you. We use our strong industry knowledge and expertise to help create value for our clients, getting them the coverage they need with an auto insurance premium they can afford.

At Wedgwood, we unlock value for our clients through our extensive knowledge of all the car insurance discounts available. Different companies offer different auto insurance discounts. We promise to find all possible discounts to ensure your wallet is lighter and you get more bang for your buck.

Life Comes with Risk.
Car Insurance Gives you Peace of Mind

In addition to providing financial protection, auto insurance in NL can also give you peace of mind while driving. With accident benefits coverage, knowing you’re protected in an accident or another unexpected event can help you feel more confident and secure on the road.

Overall, auto insurance is an essential investment for all drivers in Newfoundland, regardless of your driving record. It provides vital protection and helps ensure you’re prepared for any situation while driving.

Get a Quote for

Auto Insurance in NL

When it comes to auto insurance in Newfoundland & Labrador, you need more than just coverage. You need a trusted advisor. Our insurance advisors will custom-design an insurance program that is tailored to meet your specific needs. Let’s get started on your auto insurance quote today.

This field is for validation purposes and should be left unchanged.

What Our Auto Insurance Clients Are Saying

How can auto insurance protect you?

Explore how having the right insurance can protect you from the unexpected. You can also check out our blog for help choosing the right auto insurance in NL.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Need more info? Check out our most frequently asked questions for auto insurance in NL.

Auto Insurance NL Blog Posts

Laws for Auto Insurance in NL

At Wedgwood Insurance, we understand Newfoundland and Labrador’s unique driving conditions and challenges. We aim to provide you with comprehensive auto insurance tailored to meet the specific needs of living and driving in this beautiful but sometimes challenging environment.

Navigating Newfoundland: Understanding Local Driving Conditions

Weather Woes: Our weather can be unpredictable, with conditions ranging from heavy snowfalls to dense fog, particularly in coastal areas. We offer auto insurance that considers these weather challenges, ensuring you’re covered no matter what the sky brings.

Wildlife on the Roads: Encountering wildlife, especially moose, is common on Newfoundland & Labrador roads.

Remote Road Challenges: Many of our communities are in remote areas where assistance may be unavailable. Many of the auto insurance policies we provide include roadside assistance, ensuring that help is always available.

Coastal Driving: The salt air and winding roads of our coastal communities present unique challenges to drivers. Because our team lives here, too, we can help you find the best coverage for you.

Staying Legal: Local Traffic Laws and Regulations

Winter Tires: In Newfoundland, winter tires are more than just a safety recommendation; they can also affect your insurance premiums. We offer discounts for vehicles equipped with winter tires, reflecting their importance in our winter driving conditions.

Adhering to Speed Limits: Speed limits vary across our province, and we encourage all drivers to adhere to them for safety and insurance benefits. The best part? Safe driving can lead to lower insurance premiums.

Zero Tolerance for Impaired Driving: We stand firmly against drunk driving. Our policies reflect the seriousness of this issue, and we provide information to help you understand the legal and insurance implications of impaired driving.

We Are Your Auto Insurance Partner in Newfoundland & Labrador

Customized Coverage: Every driver in Newfoundland and Labrador has unique needs. We provide personalized insurance solutions, ensuring you have coverage that fits your lifestyle and driving habits.

Local Discounts: We understand the local context and offer various discounts, including for safe driving records and for using winter tires.

Streamlined Claims Process: In the event of an accident, our claims process is straightforward and efficient, designed to get you back on the road as quickly as possible.

Consultation with Local Experts: Our team of experts is well-versed in Newfoundland’s driving conditions and laws. We’re here to offer advice and help you make informed insurance decisions.

Choose Wedgwood Insurance for a Safe Journey in Newfoundland

At Wedgwood Insurance, we’re more than just your insurance provider; we’re your neighbours and friends, deeply rooted in our communities. Contact us today to find the auto insurance policy that’s right for you.

The Basics

A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.

Collision Insurance

This covers your vehicle when it’s in an accident with another vehicle. It also covers you for certain things that are not covered under standard comprehensive insurance, like hitting a tree or other stationary object.

Liability Insurance

This covers you if you are responsible for an accident that injures people or damages their property. In Newfoundland and Labrador, it is a legal requirement for every driver to have liability insurance.

Areas We Provide Auto Insurance in Newfoundland & Labrador

We can help build a tailored package with affordable auto insurance rates to cover damage to your vehicle, provide roadside assistance, rental vehicle coverage, accident forgiveness and many other optional coverages.

Skip to content