Newfoundland and Labrador auto insurance rate approvals, by insurer

How to read this page

What PUB actually approves

Newfoundland and Labrador is a prior-approval province. Insurers file with the Board of Commissioners of Public Utilities, which issues a numbered order approving or denying each application. Mandatory filings are the periodic full reviews; expedited, supplemental and CLEAR rate-group filings are narrower. The figure on this page is the approved overall average rate change across the insurer's private passenger book, taken from the Rate Filing Summary the Board attaches to an order where one exists and otherwise from the wording of the order itself. The Board publishes no market share, so averages here are simple averages across filings.

Zero-percent filings

A 0.00% row is an approved filing with no overall change to the rate level: an adoption of benchmark rates, a rating-rule change, or a CLEAR rate-group update. Where the Board's summary shows "n/a" for the overall change, we record 0 and say so in the note.

Simple averages, not market-weighted

PUB 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 order date, not by renewal date.

Groups and brands

PUB publishes orders by underwriting company with no group field, so the grouping is ours, by ownership, using the same short codes as the other trackers.

Two sources for one number

The Board's orders index leaves the rate-change column blank. For roughly a quarter of orders the Board attaches a structured Rate Filing Summary and we read the "Total Overall" line from it. For the rest, the approved change is stated in the order's recitals ("proposed an overall average rate level change of +3.0%") and we read it from there; those rows carry a note. We trust the ordering paragraph over the index: a handful of orders the index lists as approved actually deny the application, and they are excluded. Denied and withdrawn applications are not counted.

Indicated versus approved

Where the source states it, the register also shows the actuarially indicated change the insurer reported, next to what was approved. The gap between the two is the Board's or the insurer's restraint, and in this province it is often large.

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: PUB automobile insurance orders, all published filings from 2020 to Sep 15, 2026, retrieved by script with no manual edits. The page is rebuilt from the refreshed data each quarter.