How to get an Alberta car insurance quote
Compare quotes from some of Alberta's top insurance providers and get the best rate in just three easy steps
1. Start a Quote
Quickly tell us a bit about yourself and the car you drive. It only takes a moment!
2. Compare Rates
Compare quotes from 30+ Alberta car insurance companies, ranked from lowest to highest
3. Pick Your Plan
Pick your policy at the price that works for you
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Top 10 tips for getting cheaper car insurance in Alberta
There’s a lot you can do to ensure that you’re getting the best price for your auto insurance, and the following top 10 tips will help ensure you’re not overpaying for your coverage:
- Shop around - In Alberta, rate changes are approved every 3 months with the Alberta Automobile Insurance Rate Board (AIRB). Sometimes a few insurers change their rates, but other times many do.
- Increase your deductibles - Save in the neighbourhood of five to 10 per cent by increasing your deductibles to $1,000 if they’re currently sitting at $500.
- Pay your premiums all at once - Pay your premiums annually, in one lump sum, to avoid pesky administrative fees that are sometimes charged for the convenience of monthly payments.
- Bundle your policies - Save five to 15 per cent when you buy your home insurance from the same company that covers your car.
- Insure all cars together on the same policy - If you have more than one vehicle, save up to 10 to 20 per cent by insuring them on the same policy.
- Review your policy annually - Each year, review your optional coverages. If they’re no longer needed, this is one way to shave off some costs.
- Ask about discounts - There are oodles of discounts. Ask your provider about the ones they offer. You never know what you might find.
- Change your tires seasonally - Let your insurer know if you have winter tires, as some providers offer a winter tire discount. If available, the discount typically comes it about five per cent.
- Go to school - Encourage young drivers to take driver’s training. The insurance savings typically offsets the cost of the course, in the first year.
- Moving? Buying a new car? Shop around - Where you live and what you drive are two important factors in what you pay for coverage. If you move or buy a new set of wheels, don’t assume your current provider will continue to offer you the best price. Shop around to be sure.
Join the millions of Canadian drivers that have saved on car insurance
Compare car insurance quotes in Alberta for lower rates
Alberta drivers may not have the highest car insurance rates in the country, but there's always room for savings. For busy families, every dollar and every minute counts. That's why our mission is to make saving money on car insurance easier for you by aggregating quotes from multiple providers in the same amount of time it takes to get just one quote.
Canadians have been trusting us to help them find lower rates on car insurance since we launched in 1994. We're proud to help our fellow Canadians out because we're drivers too and we understand how daunting the insurance process can be. This service is made by Canadians, for Canadians. Complete a quote today to find out how much you can save on car insurance in Alberta.
Why should Alberta drivers compare car insurance quotes online?
InsuranceHotline.com is a convenient way to save money and time
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In five minutes or less, get quotes from 30+ leading insurers
It's free
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It saves
Canadians save $450 on average with InsuranceHotline.com
| TD Insurance | $1842 |
| Allstate | $2795 |
| Intact Insurance Company (West) | $3222 |
| Royal & SunAlliance | $3522 |
| Range of quotes $1680 | |
| TD Insurance | $1617 |
| Royal & SunAlliance | $1705 |
| Intact Insurance Company | $1917 |
| Dominion of Canada | $1961 |
| Range of quotes $344 | |
| Royal & SunAlliance | $1903 |
| Allstate | $1966 |
| TD Insurance | $2018 |
| Pembridge Insurance Company | $2166 |
| Range of quotes $263 | |
| Dominion of Canada | $1248 |
| TD Insurance | $1306 |
| Royal & SunAlliance | $1315 |
| Pembridge Insurance Company | $1568 |
| Range of quotes $320 | |
Real Alberta drivers, real Alberta auto insurance savings
Just a few examples of custom savings for drivers based in Alberta.
Savings: $619
Driver: Female, 43
From: Calgary, Alberta
Driving: 2014 Ford Fusion
Savings: $567
Driver: Male, 29
From: Edmonton, Alberta
Driving: 2017 Hyundai Tucson
Savings: $456
Driver: Female, 55
From: Calgary, Alberta
Driving: 2013 Ford Escape
Savings: $729
Driver: Male, 30
From: Lethbridge, Alberta
Driving: 2015 RAM 1500
Savings: $867
Driver: Male, 28
From: Calgary, Alberta
Driving: 2008 Audi TT
Savings: $419
From: Edmonton, Alberta
Driving: 2010 Honda Civic
Frequently asked questions about car insurance in Alberta (FAQs)
Answers to your questions about some of the more potentially confusing elements of Alberta auto insurance
How much is car insurance in Alberta? How much will it cost me?
Drivers in Alberta pay the third most expensive premiums in the country. It’s estimated that the average Alberta premium comes in at about $1,179 per year. However, every driver’s situation is unique and the best way to see how much Alberta car insurance will cost you is to compare rates. Where you live, what you drive, your driving and insurance history, as well as the coverage options you choose to include on your policy all play a role in the rate you pay.
How do Alberta auto insurance rates compare to the rest of Canada?
According to a report commissioned by Ontario’s Ministry of Finance and released in April 2017, Alberta drivers pay an average of $1,179 for their auto insurance coverage. This is less than what drivers in neighbouring British Columbia pay ($1,316), but more than what drivers in Saskatchewan pay ($775).
Average auto insurance rates by province
Ontario - $1,458
British Columbia - $1,316
Alberta - $1,179
Newfoundland and Labrador - $1,090
Manitoba - $1,001
Northwest Territories - $974
Nunavut - $968
Yukon - $806
Nova Scotia - $783
Saskatchewan - $775
New Brunswick - $763
Prince Edward Island - $755
Quebec - $724
Which car insurance company is the cheapest in Alberta?
There is no one Alberta auto insurance company that offers everyone the best premiums. Rates for the exact same coverage can vary substantially from one company to another. It all depends on things like the insurer’s claims experience and how they rate you as a driver.
Find the company that offers you the best rate and coverage, shop around and get quotes. This savings technique is something that you can do on an annual basis when it's time to renew your premiums.
What will my Alberta auto insurance policy cover?
Alberta’s standard car insurance policy has two mandatory components: third party liability and accident benefits.
Third Party Liability – Covers costs associated with lawsuits pertaining to injury, deaths, or damage to property of a third part in which you are responsible. In Alberta, the minimum required amount is $200,000; however, according to the AIRB more than 98% of drivers have at least $1 million.
Accident Benefits – Covers costs associated with rehabilitation, medical treatment and income replacement if you’re injured in an accident.
Optional Coverages
There are also optional types of coverage you can choose to add to your policy such as collision insurance and comprehensive insurance. Both of these optional coverages will cover damages to your vehicle, with collision focusing on damages caused by accidents and comprehensive covering perils such as theft, hail and vandalism. Ask your provider about other additional coverages as well.
How does Alberta’s car insurance grid rate calculator fit in?
First introduced in 2004, the Auto Insurance Grid rating program sets the maximum premium that insurer’s can charge for basic coverage (i.e. third party liability and accident benefits). According to the AIRB, about 94.5 per cent of Alberta drivers pay less than the maximum set out by the Grid program.
Where a driver lands on the Grid is determined by several factors including: years licensed, at-fault claims, tickets, years since your last at-fault collision or ticket, and driver training if a new driver. Drivers move up or down on the Grid, as their driving record changes. The lower your Grid Level the better.
How is the average savings of $450 calculated?
Drivers who compared quotes with InsuranceHotline.com saved an average of $450 in 2017. This number was determined by deducting the lowest rate offered by InsuranceHotline.com from the driver’s car insurance rate at the time of the quote. These savings include all quotes completed in Canada, not just Alberta.
