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.
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Save money
On average, shoppers save $450 after comparing car insurance quotes with us.
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| Economical Mutual | $827 |
| Royal & SunAlliance | $1058 |
| Dominion of Canada | $1086 |
| Wawanesa Mutual | $1126 |
| Range of top quotes | $299 |
| Pembridge Insurance Company | $1345 |
| TD Insurance | $1421 |
| Aviva Traders | $1516 |
| Intact Insurance Company (West) | $1554 |
| Range of top quotes | $209 |
| Aviva Traders | $1323 |
| Aviva | $1395 |
| Wawanesa Mutual | $1407 |
| SGI Canada | $1560 |
| Range of top quotes | $237 |
| Aviva Traders | $731 |
| Millenium Insurance | $734 |
| Aviva | $793 |
| TD Insurance | $861 |
| Range of top quotes | $130 |
Real Alberta drivers, real Alberta auto insurance savings
Compare quotes tailored specifically for you and not only will you see how much it will cost you to insure your car, but you’ll also see how much you can save!
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 auto insurance policy is made up of two mandatory components: third party liability and accident benefits.
However, there are optional coverages that you can add in too, the most popular being collision and comprehensive. Both of these optional coverages will pay to fix your vehicle if damaged. Collision will pay for damages resulting from an accident, while comprehensive will pay for damages caused by things like hail, theft, or vandalism.
Third party liability
Will pay for the outcome of a lawsuit against you in the event that you cause injury or death to, or damage the property of, a third party. 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
These are benefits that will pay for things like medical treatments, rehabilitation costs and income replacement if you are injured in a car accident.
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 does InsuranceHotline.com calculate average car insurance savings of $700?
We determined this average based on quotes completed on InsuranceHotline.com from Jan 2015-Dec 2015. Average savings amount represents the difference between the consumers’ current premium entered in the quote and the lowest premium quotes on InsuranceHotline.com.
