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Car Insurance NL

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

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Looking for the best car insurance NL has to offer? Look no further than Wedgwood Insurance. With affordable 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 car insurance in NL.

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.

Car Insurance NL


Independent Broker

Car 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 Car 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 & Car Insurance

Getting your home and car 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 & car insurance in NL.
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It is legally required for all drivers to have car insurance in Newfoundland & Labrador

Car 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 car insurance policies available in Newfoundland, including third-party liability coverage, collision coverage, and comprehensive coverage.

Third-party liability coverage is the minimum requirement for car 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 a car 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 car 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, car insurance in Newfoundland 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, car 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.

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Car Insurance in NL

When it comes to car 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 insurance quote today.

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What Our Car Insurance Clients Are Saying

How can car 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 car 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 car insurance in NL.

Car Insurance NL Blog Posts

Laws for Car Insurance in NL

Auto insurance or car insurance, call it what you want but, yes, in Newfoundland & Labrador, before you get behind the wheel of any motor vehicle, you need insurance. It’s the law.

No matter how confident you feel behind the wheel, our government has laws in place that require insurance to cover damage you may cause to other people’s vehicles and property, as well as to help assist you with medical care should you be injured in an accident.

When you get behind the wheel of any vehicle, you are under a legal obligation to have car insurance in Newfoundland and Labrador. The law requires you to be insured so that there will be adequate coverage if you have an accident that injures someone or damages their property. The insurance is also intended to provide for medical coverage should you be injured.

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 Serve

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

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