Insurance in the Northwest Territories is sold by private companies, and the territory sets the minimum rules for auto insurance.
Auto insurance is mandatory and sold by private insurers. Policies must include third-party liability (at least $200,000), uninsured and unidentified automobile coverage and accident benefits, as set by Part 5 of the Insurance Act. Collision and comprehensive are optional. Check the Government of the Northwest Territories for the current rules.
The basics apply here too: home insurance usually covers fire and wind, while flood and earthquake damage are usually optional add-ons. Which insurers sell in smaller or remote communities, and what they ask, can differ from southern Canada, so tell your advisor exactly where you live.
The Government of the Northwest Territories' Office of the Superintendent of Insurance (fin.gov.nt.ca) oversees insurance licensing in the territory.
The Northwest Territories' public plan is the NWT Health Care Plan. It generally pays only part of emergency medical costs outside the province, and often much less outside Canada, which is why many travellers look at travel insurance. Read your plan's rules before you go.
General information, not advice. Rules change, so confirm with your province or territory, your insurer or a licensed advisor. Facts on this page were last checked in November 2026.
Yes. Policies must include third-party liability (at least $200,000), uninsured and unidentified automobile coverage and accident benefits, as set by the Insurance Act. Collision and comprehensive are optional.
Private insurance companies, through brokers and agents. The province or territory sets the minimum coverage every auto policy must include.
Contact the Government of the Northwest Territories' Office of the Superintendent of Insurance, or look someone up on its website if it has a lookup tool. An advisor should be glad to tell you which licence they hold.
It usually pays only part of emergency medical costs outside the Northwest Territories, and often much less outside Canada. Many travellers add travel insurance. Read your plan's rules before you go.
Yes. Tell us what you need and where you live, and we'll pass your request to a licensed insurance advisor who can help in the Northwest Territories. It's free, and talking to an advisor carries no obligation.