In 2026, Perth-Andover drivers average CA$97/month for car insurance — 8% below the New Brunswick provincial average (CA$106/month). Compare carriers to save up to CA$209/year.
The table below compares Perth-Andover's 2026 average car insurance rate against nearby communities. Rate differences reflect local traffic density, theft rates, and collision frequency — all of which carriers price into your premium based on your specific garaging address.
| City | Province | Avg Annual Car Insurance | Monthly | vs. Perth-Andover |
|---|---|---|---|---|
| Grand Falls Very Low Traffic | NB | CA$1,200 | CA$100 | +3% |
| Perth-Andover this city | NB | CA$1,164 | CA$97 | Baseline |
| Woodstock Very Low Theft | NB | CA$1,200 | CA$100 | +3% |
| Hartland Low Collision | NB | CA$1,120 | CA$93 | -4% |
| Provincial avg | NB | CA$1,272 | CA$106 | 8% below |
Perth-Andover's car insurance cost is shaped by five key risk factors that carriers use to price your premium. Traffic density is rated Very Low, vehicle theft risk is Very Low, and collision frequency is Low.
Uninsured driver exposure is Low and weather-related claim risk is High. These factors combine to explain why Perth-Andover's rate sits 8% below the New Brunswick provincial average. Targeting the right discounts for your profile is the most reliable path to CA$209 or more in annual savings.
Perth-Andover and Victoria County Saint John River Valley setting keeps all risk factors well below provincial norms — comparison shopping at renewal consistently finds CA$150-209 spread for identical profiles in this market.
Perth-Andover drivers who shop competitively at each annual renewal consistently find CA$209 or more in annual savings versus auto-renewal with their current carrier. The following discount categories apply specifically to New Brunswick drivers in this market.
| Car Insurance Strategy | Estimated Saving | Eligibility |
|---|---|---|
| Compare 3+ car insurance quotes | CA$209 (15-18%) | All drivers, every renewal |
| Telematics car insurance enrollment | 10% to 30% | Safe drivers, clean records |
| Low mileage 5-15% | 5-15% | drivers under 15,000 km annually |
| Winter tires 3-7% | 3-7% | document installation before November 1 for Saint John River Valley conditions |
| Increase car insurance deductible | 10-18% on collision | Drivers with CA$1,000 savings buffer |
| Winter tire documentation | 3-7% | NB drivers Nov to Apr |
Car insurance in Perth-Andover is mandatory under New Brunswick law. All drivers must carry a minimum of four mandatory coverage types, with the option to add optional coverage for broader protection. Minimum third-party liability is CA$200,000.
Our AI Rate Estimator benchmarks your specific vehicle, driving history, and postal code against 2026 carrier filings. No hard credit inquiry. No personal data sold.
The average car insurance premium in Perth-Andover is approximately CA$97/month (CA$1,164/year) for a standard full-coverage policy in 2026. This is calibrated from carrier rate filings for Perth-Andover postal codes using a 40-year-old driver with a clean record and a mid-range vehicle. Individual car insurance premiums vary.
Co-operators and Intact are most competitive for Perth-Andover and Victoria County drivers.
Co-operators and Intact are most active for Perth-Andover and Victoria County Saint John River Valley NB drivers.
Perth-Andover postal codes E7H are rated as Victoria County rural NB — among the most affordable insurance markets in New Brunswick.