Cheap Alberta Car Insurance Quotes

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Frequently asked questions about car insurance in Alberta

Why does Alberta car insurance cost so much?

Alberta is home to two of the largest cities in Canada: Calgary and Edmonton. With high-density areas comes auto theft and vandalism, a greater chance for collisions and increased claims leading to higher insurance costs.  Recent spikes in vehicle theft, collisions and distracted driving convictions have also increased rates province-wide.

An increase in fatalities 

According to Transport Canada, in 2021, there was a slight increase in the number of fatalities, serious injuries, and total injuries, with Alberta fatalities well above the national average, as seen below:

Canada fatalities per 100,000 population = 4.7 

Alberta fatalities per 100,000 population = 6.2 

Canada fatalities per 100,000 licensed drivers = 6.5 

Alberta fatalities per 100,000 licensed drivers = 8.2 

This explains, in part, why Alberta premiums are higher than other parts of Canada.

In addition to any liability protection insurance providers must offer following a collision to cover medical expenses, they must also cover costs associated with repairing or replacing vehicles. Higher repair and replacement costs lead to more expensive premiums. This is especially expensive for newer cars which tend to have many electronic components and may be self-driving.

Which car insurance company is the cheapest in Alberta?

There is no one car insurance company that is the cheapest overall. Insurance companies assess drivers based on unique risk factors like your home address and personal claims history, which is why rates for the same coverage can vary substantially from one company to another. What is cheapest for you, might not be what’s cheapest for someone else.

To find the company that offers you the best rate and coverage, shop around and compare quotes. This savings technique is something that you should do annually whenever it's time to renew your policy.

Does Alberta’s private auto insurance system help drivers?

It depends on who you ask. In many cases, having a private insurance system breeds competition and the desire of providers to attract customers with benefits and competitive pricing. 

However, inflation has taken a toll on drivers in Alberta. So much so that the government froze any new rate increases at the beginning of 2023. This has upset private insurers who say the freeze does not help that affordability and new challenges will emerge when the freeze lifts.  

Because inflation is slow to abate, and the freeze has not been in effect for that long, more time will be needed to see who benefits and if the private system is helping drivers in the near and long term.

Why should Alberta drivers compare car insurance quotes online? is a convenient way to save money and time

*Shoppers in Alberta who obtained a quote on from January to December 2021 saved an average of $727 per year. The average savings represents the difference between shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by

10 tips for getting cheaper car insurance in Alberta

Insurance rates are going up in Alberta, but there’s a lot you can do to ensure that you’re getting the best price.

1) Shop around

In Alberta, rate changes are regularly approved. Compare quotes before renewing your policy to find the cheapest option.

2) Increase your deductible

Save in the neighbourhood of 5 to 10% by increasing your deductible from $500 to $1,000.

3) Pay your premiums all at once

Pay your premiums annually, in one lump sum, to avoid administrative fees that sometimes accompany monthly payments.

4) Bundle your policies

Save 5 to 15% when you bundle your home and auto 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 10 to 20% by insuring them on the same policy.

6) Review your policy annually

Each year, review your optional coverages to ensure they are still necessary. If not, getting rid of these excess coverages will lower your premiums.

7) Ask about discounts

Some insurers offer discounts to members of local organisations like the Alberta Motor Association, AUPE members, or university alumni. Ask your provider about the group discounts they offer and see if you qualify.

8) Change your tires seasonally

Let your insurer know if you have winter tires, as some providers offer a winter tire discount of about 5%.

9) Go to school

Encourage young drivers to take driver’s training. Once the course is completed, the insurance savings will offset the initial cost.

10) Moving? Buying a new car?

Where you live and what you drive are two important factors in what you pay for coverage. If you move or buy a new vehicle, don’t assume your current provider will continue to offer you the best price. Shop around to be sure.

Real Edmonton drivers, real Edmonton auto insurance savings

Just a few examples of custom savings for drivers based in Alberta.

Facts and statistics about auto insurance in Alberta

Auto theft in Alberta

Alberta is responsible for a third of all stolen vehicles in Canada, despite being home to only 10% of the population. Every year, the Insurance Bureau of Canada release a list of the most frequently stolen vehicles in each province. If the vehicle you own appears on this list, you may find your premiums have gone up.

Most stolen vehicles in Alberta in 2019

Rank Model
1 2007 FORD F350 SD 4WD
2 2006 FORD F350 SD 4WD
3 2006 FORD F250 SD 4WD
4 2004 FORD F250 SD 4WD
5 2005 FORD F350 SD 4WD
6 2005 FORD F250 SD 4WD
9 2004 FORD F350 SD 4WD
10 2007 FORD F250 SD 4WD

Data source: Insurance Bureau of Canada – Top 10 Stolen Vehicles

A history of auto insurance rates in Alberta

Auto insurance rates are rising in Alberta. The real problems began in 2012, when smartphones became widespread and drivers started using them behind the wheel. Collisions resulting from this dangerous behaviour led to a surge in claims, causing premiums to rise.

Year Average accident benefit claim payouts Average total injury claim payouts
2013 $3,652.00 $32,192.00
2014 $3,639.00 $34,873.00
2015 $4,485.00 $40,795.00
2016 $4,677.00 $44,848.00
2017 $5,200.00 $44,373.00
2018 $5,764.00 $46,082.00

Data source: IBC – Comparison of auto insurance in BC and Alberta, 2020

Alberta’s insurance rates had been declining up until 2012, but insurers responded to this new threat by upping premiums. You can see the impact by comparing changes to the average provincial premium over the last 10 years.

Ten years of average auto insurance premiums in Alberta

The most recent complete data goes up to the end of 2019, but premiums continued to increase through 2019 and further rate increases are expected in 2020.

Year Average annual premium Average monthly premium Year over year change
2009 $1,095.00 $91.25 3.60%
2010 $1,081.00 $90.08 -1.28%
2011 $1,070.00 $89.17 -1.02%
2012 $1,087.00 $90.58 1.59%
2013 $1,113.00 $92.75 2.39%
2014 $1,153.00 $96.08 5.59%
2015 $1,179.00 $98.25 2.25%
2016 $1,206.00 $100.50 2.29%
2017 $1,251.00 $104.25 3.73%
2018 $1,316.00 $109.67 5.20%
2019 $1,406.00 $117.16 6.83%

2010 - 2020 average auto insurance rates (Alberta Vs Ontario)

Avg premium change from 2010 - 2020 in Alberta
Avg premium change from 2010 - 2020 in Ontario

Why should Alberta drivers compare car insurance quotes online?

Car insurance rates keep going up in Alberta, and if you renew your policy with the same provider you will almost certainly have to pay more than you did last year. The only way to buck this trend is to shop around for a better rate. works with over 50 insurance providers. We aggregate their rates and give you multiple quotes side by side so you can choose the policy that’s best for you. If you like what you see, we’ll connect you to a licensed broker to secure the policy.

Alberta drivers who used saved an average of $727* on their car insurance. Find out how much you could save today.