Save on Calgary Car Insurance

Auto insurance in the province of Alberta is mandatory for all vehicles. The minimum third-party liability limit that you must carry on your car in Alberta (and Calgary) is $200,000. Without this minimum coverage on your vehicle, you will not be able to register your automobile. It is illegal to drive uninsured and unregistered automobiles in Alberta.

Section A and B (Mandatory Coverage)

Drivers in Calgary must meet Alberta's minimum required motor vehicle insurance, which includes:

Protects you in the event you are sued for causing injury or death with your vehicle, or causing damage to another vehicle. According to the Alberta Automobile Insurance Rate Board, 98% of vehicles in Alberta are insured for at least $1,000,000 in third-party liability coverage. You can get up to $5,000,000 in coverage. 

Section B: Accidents Benefits Coverage 
Provides coverage for injuries you, your passengers or pedestrians receive in an accident regardless of who is at fault. 

Section C (Optional Coverage)

While the mandatory coverage protects you in the event you are involved in an accident resulting in injury to another person or damage to another vehicle, it does not protect your own vehicle. For this reason, many drivers opt to add optional Section C coverage called Loss or Damage to Insured Automobiles. 

There are two types of Section C coverage:

• Collision - Covers damage to your vehicle in an accident
• Comprehensive - Covers loss or damage to your vehicle due to named perils such as fire, vandalism and theft 

Many drivers opt for both, but depending on your vehicle you may decide to get one over the other, or neither. Talk to your insurance representative to find out the best Calgary car insurance for your needs. 

Like the other provinces in Canada, Alberta has no-fault insurance. No-fault car insurance is a type of insurance contract where the policyholder makes a claim of financial benefits to their own insurance company. This doesn't mean that no one is at fault, but rather that both parties involved in the automobile accident are required to go to their own insurance company regardless of who is at fault in the accident.

Auto insurance in Alberta is regulated by the Automobile Insurance Rate Board (AIRB) and the Office of the Superintendent of Insurance. 

However, insurance must be purchased from a private insurance company just like it is in Ontario, New Brunswick and several other provinces. Calgary car insurance quotes vary due to the sheer number of private insurance providers competing for your business. This gives you an opportunity to save big by comparing car insurance rates from 30+ providers through InsuranceHotline.com.  

In other provinces such as in British Columbia, drivers must purchase car insurance through the government. While there are pros and cons to these systems, Calgary drivers do get the benefit of shopping around and choosing a provider whose rates and coverages work for them. You can read more about this on our Alberta Car Insurance page.