Private market, tort-based
Auto insurance in New Brunswick
What's required, what's optional, and how claims work — with every figure sourced and dated.
The system
New Brunswick runs a private-market, tort-based system. Third-party liability and accident benefits are mandatory under the NB Insurance Act.
What's mandatory
The statutory minimum third-party liability in New Brunswick is $200,000. Mandatory third-party liability and accident benefits per NB Insurance Act. Confirm current AB schedule with insurer.
What's optional (and worth understanding)
Collision, comprehensive, higher liability, and increased accident benefits are optional.
How claims and disputes work
Escalate from your insurer's internal complaints office to GIO, then to the Financial and Consumer Services Commission (FCNB).
Out-of-country health
NB Medicare reimburses limited out-of-country emergency care. Travel medical recommended. See the Travel & Snowbird tool to size the gap.
New Brunswick at a glance — sourced facts
Frequently asked questions
- What is the minimum car insurance in New Brunswick?
- The statutory minimum third-party liability in New Brunswick is $200,000. Mandatory third-party liability and accident benefits per NB Insurance Act. Confirm current AB schedule with insurer. Most drivers carry more, since the minimum is rarely enough for a serious injury claim.
- Is auto insurance public or private in New Brunswick?
- Private market, tort-based. Coverage is bought from private insurers.
- Who regulates auto insurance in New Brunswick?
- Financial and Consumer Services Commission (FCNB) oversees auto insurance in New Brunswick, and disputes escalate from your insurer's internal complaints office upward.
Figures verified July 2026 against the sources shown. Auto rules change — confirm current requirements with your regulator or broker before relying on them. Education, not advice; no coverage is sold here.