The broad objective of this study is to examine the effect of financial inclusion on insurance premium in Nigeria, 1981 - 2018. Specifically the study seeks to:  Measure the effect of broad money supply on insurance premium in Nigeria, Determine the effect of private sector credit on insurance premium in Nigeria, Investigates the effect of financial savings on insurance premium in Nigeria .Auto regressive distributed lag model was used for analysis using historic data derived from central bank of Nigeria statistical bulletin. Result reveals that Credits to the Private Sector have negative and significant effect on Insurance premium in Nigeria. Broad Money Supply have positively and significant effects on Insurance premium in Nigeria. Saving have positive and significant impact on Insurance premium in Nigeria. Economic growths have positive and significant impact on Insurance premium in Nigeria. In view of this, it was concluded that broad money supply, saving statistics positively and significantly impact on Insurance premium in Nigeria while credit to private sectors have negative and non-significant impact on Insurance premium in Nigeria. The following recommendation was made; Efforts should be made by regulatory authorities to regulate the fluctuations of interest which affects economic productivity and in fact, insurance productions. Expanded broad money supply will regenerate economic hob thereby allowing insurance business to thrive. Savings make insurance activities .It is only through saving that life assurance products are created. Sound and economic growth helps to energize the economy and ensure productivity.