How to get an Alberta car insurance quote
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1. Start a Quote
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Get Edmonton car insurance quotes online and start saving today
Complete an Edmonton car insurance quote
Edmonton marks one of the largest municipalities in Canada with more than 1.3 million calling the city and its surrounding region home. The capital of Alberta, Edmonton's claims to fame include its proximity to the oil sands, the massive West Edmonton Mall (formerly the largest mall in the world!), and the beloved Edmonton Oilers hockey team.
With so many families and professionals living in Edmonton, there's bound to be a lot of cars on the road. Drivers in Edmonton cannot legally operate a vehicle without owning car insurance. Just because it's mandatory, however, doesn't mean you have to pay a fortune to possess it!
InsuranceHotline.com has been helping Canadians save millions of dollars on their auto insurance since 1994. All it takes is five minutes and you'll be instantly provided with the lowest Edmonton car insurance quotes available from our network of licensed insurance professionals. It really is that simple. Try it now and find out how much you could be saving on your Edmonton auto insurance today.
Frequently asked questions about auto insurance in Edmonton, Alberta
Car insurance is different across Canada. Here are some of the most common questions we see about car insurance in Edmonton.
How does auto insurance in Edmonton, Alberta work?
If you own or drive a car in Alberta, by law, you must buy insurance coverage from a private insurer. A no-fault and tort-based system is used to set out accident benefits and the right to sue in specified situations, according to the Insurance Bureau of Canada.
The Automobile Insurance Rate Board (AIRB) and the Office of the Superintendent of Insurance regulate auto insurance in Alberta. AIRB recommends InsuranceHotline.com as a trusted source for independent online comparative quoting.
What car insurance coverage do I legally need to have in Edmonton?
Auto insurance in the province of Alberta is mandatory for all vehicles. Drivers must carry a minimum of $200,000 in Third Party Liability insurance coverage, though the majority of Albertans opt for at least $1,000,000 in coverage, according to the Alberta Automobile Insurance Rate Board (AIRB).
Drivers must also have Accident Benefits coverage. This covers medical/rehabilitation costs, death benefits, funeral expenses and income replacement relating to occupants of a vehicle in the event of an injury.
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, including Edmonton.
What optional coverage exists for Edmonton drivers?
Optional coverage
In addition to the mandatory coverage, drivers can also opt for:
- Collision - Covers damages to your vehicle in the event of a collision with another vehicle or object
- Comprehensive - Covers damage from incidents outside of collisions, including vandalism, hail, theft and fire
- Specified Perils - This is similar to comprehensive coverage, but covers incidents named on a policy, such as fire, lightening and theft
These optional coverages typically have a deductible, which is the amount you pay in the event of a claim.
Endorsements
There are also endorsements, which is an additional coverage attached to a standard policy. Some examples of endorsements include:
- Accident Rating Waiver - Prevents your rates from going up in the event you're responsible in an at-fault accident
- Limited Waiver of Depreciation - Waives the cost of depreciation on the repair or replacement of your vehicle in the event of an insured loss
- Family Protection - Protects you and your family in the event you're involved in a collision with an uninsured or underinsured at-fault driver. This type of coverage covers the difference between what the driver can pay and what you're eligible for
What are some of the factors that affect my auto insurance rate?
Insurers take a number of things into consideration when calculating your premium, including:
- Amount of coverage - Including mandatory and optional coverages and endorsements
- At-fault accidents and collisions - Your past driving record and insurance history
- Mileage - How often and how far you drive
- Vehicle - The make and model of your vehicle has a big impact on your rates, this includes such considerations as safety features you have in place, how likely your vehicle is to get stolen, and the age of your vehicle
- Where you live - Your location plays a role, whether you live in the more urban parts of Edmonton or on the skirts somewhere more rural
There are other factors as well, but these are some of the main variables insurers look at.
Why shop around for auto insurance quotes?
Since car insurance operates under a private system in Alberta, each insurance company in Edmonton charges different rates to insure the same car and driver.
Sometimes these rates can vary by hundreds and even thousands of dollars. The trick is to find the insurance company that has the lowest rate available to you for your driving profile, but with so many Edmonton car insurance companies, calling around to get comparative quotes from all of the insurance companies is a lot of work, and takes a long time!
To help our fellow drivers find better rates in less time, InsuranceHotline.com offers instant online car insurance quotes, comparing the rates across a broad cross-section Edmonton insurance companies to make your life easier! Since comparing quotes is recommended by the province, why not compare rates today to see what savings could be yours?
How can I stay informed?
Saving money on your Edmonton car insurance today is great, but why not extend the benefits beyond your initial quote?
At InsuranceHotline.com, we can actively monitor our network and alert you when a better rate becomes available. Our rate alert service is optional, free, non-intrusive and occurs every 3 to 6 months depending on your preference. Just like mortgage rates, Edmonton car insurance premiums can change frequently. We will make sure you stay informed absolutely free and we will even remind you when it's time for your next auto insurance renewal.
To opt into this service, simply select the "Rate Alert" option when completing a quote.
| TD Insurance | $1588 |
| Pembridge Insurance Company | $1826 |
| Dominion of Canada | $1845 |
| Economical Mutual | $1888 |
| Range of quotes $300 | |
| Royal & SunAlliance | $1847 |
| Intact Insurance Company | $1871 |
| Pembridge Insurance Company | $1905 |
| Peace Hills | $1989 |
| Range of quotes $142 | |
| TD Insurance | $1428 |
| Peace Hills | $1436 |
| Economical Mutual | $1621 |
| Aviva | $1680 |
| Range of quotes $252 | |
| Pembridge Insurance Company | $1455 |
| Dominion of Canada | $1693 |
| Aviva | $1885 |
| Peace Hills | $1914 |
| Range of quotes $459 | |
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
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.
Fun facts for Edmonton car insurance quotes completed on InsuranceHotline.com
Stats unique to Edmonton-based drivers
Average car insurance savings for drivers in Edmonton: $128
Average car insurance premiums paid by Edmonton drivers at time of quote: $1,794
Interesting info from the 2016 Edmonton Census
Neighbourhoods with the most drivers: Summerside, the Hamptons, Rutherford and Oliver
Neighbourhoods with the most passengers: The Hamptons, Summerside and Lymburn
Neighbourhoods with the most cyclists: Strathcona, Oliver and Westmont
