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Average Cost for Insurance in Nunavut


Nunavut may not have a high population or a lot of drivers, but the weather is severe. Due to this very reason, insurance rates tend to be higher. Although you can get vehicles that work better in winter conditions, it is still more dangerous than driving around on the dry pavement. You may not have as many vehicles that you can crash into, but this does not mean that you won’t lose control of your vehicle and damage it. It is for this reason, that Nunavut ranks sixth in terms of having the highest average cost for insurance. In Nunavut, the average cost for insurance is $953.

List of Top Auto Insurance Companies in Nunavut

RankingTop Auto Insurance Companies in Nunavut2015 DIRECT WRITTEN AUTO
1RSA Canada Group1,666,000
2Intact Financial Corporation1,009,000
3Td Insurance, General Insurance739,000
4Aviva Canada Inc463,000
5Travelers Canada399,000
6Co-Operators General Insurance Co309,000
7Desjardins General Insurance Group261,000
8RBC General Insurance216,000
9Economical Insurance167,000
10Northbridge Financial Corporation128,000
11Peace Hills GeneralInsurance101,000
12AIG Insurance Co Of Canada92,000
13Wawanesa Mutual Insurance87,000
14Zurich Insurance Company Ltd55,000
15Allstate Insurance Co of Canada53,000
16Old Republic Insurance Company18,000
17Lloyd's Underwriters18,000
18Guarantee Company Of North America16,000
19Pembridge Insurance Company13,000
20Gore Mutual Insurance Company13,000
21Echelon Insurance10,000
22SGI Canada Group9,000
23Pafco Insurance Company2,000
24Cumis General Insurance2,000

Where Can I Get a Driver’s License in Nunavut?

Amazingly, in Nunavut, there are just four places where you can get a driver’s license. Nunavut is the largest province in Canada, yet it only has a population of 35,944. Due to most of the population being in one area, there are just four places where you can get a driver’s license. Unfortunately, this means that if you live out by yourself, away from most of the population, you’re going to have to travel to get your driver’s license.

How Does Weather Affect Insurance Rates in Nunavut?


Depending on where you live in Nunavut, the weather can be brutal. If you live in a cold community such as Grise Fiord, temperatures are known to sometimes be as low as 5°C in the summer. In the winter, in a location such as this, temperatures can reach as low as 40°C. When it is this cold outside, vehicles sometimes do not work properly. Ice can easily form, and it can easily result in an accident. It is also extremely easy to get your vehicle stuck when it is this cold all the time, resulting in almost all precipitation becoming snow.

Does Nunavut Have a Graduated Licensing System?

Unlike most Canadian provinces, Nunavut has its own licensing system. This is likely because Nunavut drivers face much more difficult conditions on the road than most people. In Nunavut, it is much less likely that you’re going to come across other drivers when you’re out and about on the road and you’re also going to be facing much more severe weather outbreaks on a regular basis. It is due to this reason, that Nunavut has a class 7 learners license that consists of a test on the rules and traffic signs of the road. You can take this test if you are at least 15 years old. Once you are 16 or at least once you have four weeks practicing with someone who has their full license, you can attempt to do a road test to receive your full class 5 driver’s license.

Due to the Extreme Weather Conditions in Nunavut Are You at a Higher Risk of a Collision?

You might think that extreme weather conditions result in more accidents. If this is what you were thinking, you would be correct. Although there aren’t 100,000 residents in Nunavut, a study was done in 2003 on the number of vehicle-related casualties that took place. Nunavut had the second most fatalities per 100,000 people living in the area. In Nunavut, per 100,000 people, there were 20.4 fatalities that occurred. When compared to the most highly populated province, Ontario, which placed first for the lowest amounts of casualties, the results are astonishing. In Ontario, there was an average of just 6.9 deaths per 100,000 people. Therefore, in Nunavut, there were approximately 13.5 more deaths per 100,000 people living there.

How Many Drivers Are Injured in Nunavut Collisions

Although there are many fatalities in Nunavut because of collisions, there aren’t nearly as many injuries reported. This could be partially due to the distance that one might have to travel to be able to report and get treatment for an injury. It is likely that there are people in Nunavut who treated their own injuries after a collision occurred. However, it is a good idea to look to see how many people did receive injuries in collisions so that you can have some idea. In the years 2001 to 2005, there were a total of 6.7 injuries reported per 100,000 people.

Can You Drive Wherever you Want to in Nunavut?

Obviously, you can try to drive wherever you want to. However, in Nunavut, you’re going to have a hard time driving between communities. Nunavut communities are not connected by roads. If you want to get from community to community, you’re going to have to fly by plane. The lack of roads in Nunavut is partially at fault for the higher insurance premiums that the residents of Nunavut must pay. People living in Nunavut generally can’t buy fancy sports cars. Weather conditions simply make these types of vehicles impossible to drive. If you live in Nunavut, you’re going to want to get a vehicle that sits high up off the ground and that has quality snow tires so that you don’t slip and slide.

Does Age Have an Impact on the Average Insurance Premiums in Nunavut?


One thing that most people know, is that young people pay more for insurance. When most people think of Nunavut, they don’t think of a young population. However, if you think that Nunavut is an older population you would be very wrong. Nunavut has a very young population. As of 2012, Nunavut had a median population of just 24.7 years old. To put this into perspective for you, the average median age for a Canadian is 40 years old. As you can likely tell by the statistic alone, this younger population certainly does have an impact on the average insurance premiums of the province. If Nunavut had a much older population, it is likely that they would rank differently for their average insurance premiums. However, this is not the case.

To Conclude

Getting your automobile license and insurance in Nunavut might not be easy. If you live a long way from a service center, you might need to fly to be able to get there. This means that you’re likely going to have to rent someone else’s vehicle. This can make it even more difficult to take your driver’s test. This is likely why Nunavut has a bit of a relaxed driver’s license system in place. Nunavut has some of the harshest weather conditions in all of Canada. So, if you are a driver there, make sure you drive according to the weather conditions.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.