Auto insurance in Newfoundland is mandatory, requiring all drivers to carry a minimum liability coverage of $200,000 to cover damages or injuries to others. Additional coverage options include collision, comprehensive, and accident benefits. Premiums depend on factors like age, driving history, vehicle type, and location. Drivers under 25 and those with limited experience often face higher rates. Newfoundland operates under a “no-fault” insurance system, meaning your own insurer covers your medical costs regardless of who caused the accident. Discounts are available for safe driving, bundling policies, and installing winter tires. It’s essential to shop around for competitive quotes and review policy details carefully to ensure adequate protection.