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Compare quotes to save hundreds of dollars on your Calgary car insurance

Helping Calgary families save money on car insurance since 1994

Calgary car insurance rates can vary by hundreds if not thousands of dollars, which is why comparing quotes is the easiest and fastest way to save money on your auto insurance premiums. 


Car insurance in Calgary operates under a private system. While it is regulated, there remains a wide variance in car insurance rates as companies compete for your business. We made InsuranceHotline.com to help fellow drivers simultaneously compare rates from more than 30 of Canada's top insurance providers to find the best rate—and coverage—available for you and your family. Join more than one million Canadians who have trusted us to find them a winning deal on their car insurance. The best part is there is never any obligation or pressure to buy. 

Sample Car Insurance Quotes Completed for Drivers in Calgary, Alberta

Below are real quotes that were recently completed on InsuranceHotline.com by drivers living in Calgary, Alberta:

Car insurance in Calgary: Things you should know

Shopping around for Calgary auto insurance quotes

Different car insurance companies charge different rates to insure the same car and driver in Calgary, Alberta. This gives you an opportunity to find the insurance company that has the lowest rate available to you for your driving profile. But with so many Calgary car insurance companies, calling around to get comparative quotes from every company is a lot of work, and takes a long time! Our service exists to solve this problem. 


Drivers ourselves, we know that instant online car insurance quotes comparing rates from dozens of Calgary insurance companies can make your life a whole lot easier. It’s what drove us to start InsuranceHotline.com back in 1994 – when we really were a hotline! Car insurance can feel like the wild west, but it doesn't have to. Not anymore. 

What can I do to get 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 to compare car insurance rates and save big

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.

Increasing deductibles is a good way to save month to month, so long as you can cover the increased amount

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 annually to reduce administrative fees on car insurance

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.

Bundling home insurance and home insurance can save up to 15%

Bundle your policies

Save five to 15 per cent when you buy your home insurance from the same company that covers your car.

More than one car? Put them on the same car insurance policy to save.

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.

Annual policy renewals provide new opportunities for auto insurance savings

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.

Don't be afraid to ask about available savings

Ask about discounts

There are oodles of discounts. Ask your provider about the ones they offer. You never know what you might find.

Winter tires bring winter savings on your auto insurance

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.

Driver's ed can help young and new drivers earn discounts on their auto insurance

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.

Frequently Asked Questions About Auto Insurance in Calgary, Alberta

Every province in Canada has its own way of regulating car insurance. These are some of the most common questions we get about Calgary car insurance in particular. 

Why do I need car insurance in Calgary?

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.

What type of car insurance do I need?

Section A and B (Mandatory Coverage)

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

Section A: Minimum of $200,000 in third-party liability

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. 

How does Calgary car insurance work?

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.

Who determines the price of auto insurance in Calgary?

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