New Brunswick auto insurance rate approvals, by insurer

How to read this page

What NBIB actually approves

New Brunswick is a prior-approval province. Insurers file private passenger rate changes with the New Brunswick Insurance Board, which issues either an Approval (for filings within its expedited criteria) or a Decision after a fuller review. The published figure is the approved average rate change across the insurer's New Brunswick private passenger book, with separate effective dates for new business and renewals. The Board publishes no market share, so this page reports simple averages across filings rather than market-weighted ones: a small writer's filing counts the same as a large one.

Zero-percent filings

A 0.00% row is a filing the Board approved with no change to the average rate level: rating-rule changes, new discounts, or an insurer adopting updated rating factors. Several are stamped with the same release and effective date. They are counted separately so they do not dilute the direction of the market.

Simple averages, not market-weighted

NBIB does not publish market share by insurer, so we cannot weight filings by how much of the province each company writes. Every average on this page is a simple mean across filings: a small writer's +10% counts the same as a large writer's. That overstates the effect of small companies and is stated wherever a figure appears. The trailing-12-month figure per group compounds each company's filings, then averages the companies that filed. Periods are counted by release date, not by renewal date.

Groups and brands

NBIB publishes filings by underwriting company with no group field, so the grouping is ours, by ownership, using the same short codes as the Ontario and Alberta trackers. Promutuel and the Insurance Company of Prince Edward Island are regional writers with no Ontario counterpart.

Only four quarters online

The Board's decisions page shows the last four quarters and drops older ones. We capture each quarter as it is published and keep it, so this tracker grows from its September 2026 start; it cannot reconstruct the years before that.

Limits

This page tracks approved rate changes, not premiums paid. It says nothing about the starting price level of each insurer, only how that level has been permitted to move. A company that was expensive and cut 5% may still cost more than a company that was cheap and raised 3%. For the price level, use the insurer reviews.

Source and refresh

Data: NBIB quarterly decisions and approvals, all published filings from 2025 to Sep 15, 2026, retrieved by script with no manual edits. The page is rebuilt from the refreshed data each quarter.