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Compare Quotes from 30+ Car Insurance Providers and Save

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Updated on Feb 24, 2018 02:43 am

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Updated on Feb 24, 2018 02:43 am

Compare Car Insurance Quotes in Alberta for Lower Rates

There are many ways to save on your Alberta auto insurance premiums, but none are more effective than shopping around. How can we be so sure? Well, on average, InsuranceHotline.com shoppers save $700* after comparing car insurance quotes with us; and, all it takes is a few quick minutes to get your quotes from our network of over 30 insurance providers.

It’s as easy as 1, 2, 3.

Tell us about yourself

1. Tell us about yourself

Tell us a bit about your vehicle and driving experience.

Compare your rates

2. Compare your rates

Compare quotes from more than 30 insurance providers.

Save money

3. Save money

Pay less for your coverage after picking your price from the list of great rates. It pays to shop around.

Why use InsuranceHotline.com when you’re shopping for auto insurance?

Save money

Save money

Number one on the list for a reason! On average, shoppers save $700 after comparing car insurance quotes with us.

Save time

Save time

All it takes is a few quick minutes to compare quotes from our network of over 30 insurers.

There's no cost to you

There’s no cost to you

Our service is absolutely free for you to use. There’s no catch or fine print. Getting quotes with us won’t cost you a dime.

It's quick and easy

It’s easy and quick

Tell us a little about yourself and your car in three easy steps. That’s really all there is to it!

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Your information is safe

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We respect your privacy

We respect your privacy

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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, 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).

Province 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?

Save money

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.

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: 43 Female
From: Calgary, Alberta
Driving: 2014 Ford Fusion

2014 Ford Fusion

Savings: $567
Driver: 29 Male
From: Edmonton, Alberta
Driving: 2017 Hyundai Tucson

2017 Hyundai Tucson

Savings: $456
Driver: 55 Female
From: Calgary, Alberta
Driving: 2013 Ford Escape

2013 Ford Escape

Savings: $729
Driver: 30 Male
From: Lethbridge, Alberta
Driving: 2015 RAM 1500

2015 RAM 1500

Savings: $867
Driver: 28 Male
From: Calgary, Alberta
Driving: 2008 Audi TT

2008 Audi TT

What can I do to get cheaper car insurance?

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:

  1. 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.
  2. 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.
  3. 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.
  4. Bundle your policies
    Save five to 15 per cent when you buy your home insurance from the same company that covers your car.
  5. 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.
  6. 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.
  7. Ask about discounts
    There are oodles of discounts. Ask your provider about the ones they offer. You never know what you might find.
  8. 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.
  9. 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.
  10. 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.

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
Accident Benefits
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. 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.

Get Alberta Car Insurance Quotes Today

Compare car insurance quotes today; it’s the best way to lower your car insurance rate and find a policy that fits your needs best.

*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.

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