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AMA Car Insurance review

Find out how you can get big discounts when you sign up for car insurance with this trusted Alberta-based brand.

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Please note: All information about AMA Car Insurance has been collected independently by Finder and this product is not available through this site.

If you’re based in Alberta and looking to get your vehicle back on the road, you might like to check out AMA. This well-known insurance provider offers exclusive discounts and various forms of car insurance designed to fit just about every budget. It also offers roadside assistance and a slew of other benefits if you’re registered as an AMA member.

Find out what type of protection you might be able to lock in with this trusted brand and learn how you can get a free quote today.

What is AMA Car Insurance?

AMA (also known as the Alberta Motor Association) is a car insurance company that offers special discounts and member benefits to residents of Alberta. You can apply for many different forms of coverage for your vehicle based on what level of protection you need.

You’ll typically start out with mandatory insurance that every driver in Alberta has to have, and you can add on extended insurance from there. The level of protection you’ll want will typically depend on factors such as your monthly budget, how often you drive and what type of car you have.

What types of insurance does AMA offer?

There are a number of different forms of AMA Car Insurance based on what level of coverage you’re looking for and how much you want to pay.

Mandatory insurance

Mandatory insurance is the level of protection that’s required by law if you want to drive in Alberta. This type of insurance includes the following:

  • Liability insurance. Pays for the medical expenses and vehicle damages for another driver if you get into an at-fault collision with them (up to $2,000,000).
  • Direct Compensation for Property Damage (DCPD). It provides coverage for damage to your vehicle from a collision if another insured driver was at fault.
  • Accident benefits. Covers your medical and work leave expenses if you or your passengers are injured in an accident.

Collision or comprehensive insurance

Beyond mandatory insurance, you may also qualify for extra insurance that’s designed to protect your own vehicle in case of collision, theft or other damage.

  • Collision. Covers the cost to repair or replace your car if you get into a collision with another vehicle or an object in the road.
  • Comprehensive. Pays for damage caused by incidents such as theft, fire, falling objects or impact with an animal.
  • Glass coverage. Covers the cost of chips to your windshield or replacing a window in the case of a break-in, among other things.
  • Extended mandatory coverage. Gives you more compensation in the case that you hit another driver or you want a higher amount of accident benefits for yourself.

Can I purchase additional coverage if I want more protection?

AMA offers a number of endorsements that you can add to your insurance for an extra fee. These include but aren’t limited to the following:

  • Damage to non-owned cars. Offers liability protection when you drive rental cars or other vehicles that you don’t own.
  • Loss of use. Covers the cost of arranging a back-up vehicle or other transportation when your car is being repaired as a result of a covered claim.
  • Antique vehicle coverage. Provides extra protection for antique or vintage vehicles that may be appraised for higher amounts than other vehicles of the same age.
  • Claim forgiveness. Maintains your premiums at the same rate after you have your first at-fault or partially at-fault accident (though this coverage may be conditional).
  • Waiver of depreciation. Ensures that you get the full value of your new car if it’s written off as part of a covered claim within 30 months of purchase.
  • Family insurance. Provides additional protection for everyone on your policy in the event of injury or death caused by an uninsured or underinsured motorist.

AMA bundles

You may be eligible to bundle your AMA Car Insurance with your home insurance if you want to save money on each product. You’ll also get a significant discount on your car insurance if you’re a loyal AMA member. You’ll get a further discount if you insure multiple vehicles at one time. You could be eligible for a laundry list of other savings, depending on factors such as your age, driving experience and what type of car you drive.

What do customers say about AMA auto insurance?

AMA Car Insurance has poor reviews online, though this seems to be the case for many insurance providers. For example, it has a rating of 1.7 on InsurEye (out of 52 reviews) as of 7 July 2020.

Customers complain that AMA charges high rates compared to competitors. Many also seem displeased about the way claims are handled with the company, especially in cases where the customers in question were deemed to not be at fault.

There were also several complaints that AMA‘s auto insurance rates were hiked up unexpectedly after a couple of months and insurance coverage was cancelled without notice.

Benefits and drawbacks of AMA


  • Quick application. You can apply for a quote online by filling out some personal information, though this quote shouldn’t be considered a guaranteed rate.
  • Many discounts. You could be eligible for a laundry list of discounts, depending on a number of personal factors such as your age and driving experience.
  • Bundling packages. You’ll be able to save money on your car and property insurance if you get both as a package deal with AMA.
  • Membership benefits. You may be able to save money on your AMA auto insurance and get roadside assistance if you sign up as an AMA member.
  • 24/7 claims service. There’s a toll-free number you can call at any time of day or night to report an accident or file a claim.
  • Online account. You can easily access your insurance policies at any time with your personalized AMA account.
  • Several branch locations. You should be able to find a branch location close to you in most cities in Alberta.


  • Only available in Alberta. AMA Car Insurance can only be purchased in the province of Alberta.
  • Customers report rate hikes. Some customers complain that their rates have gone up over time, despite having no accidents.
  • Unexpected cancellations. Several customers indicated that their policies were cancelled without notice, leaving them with no car insurance unexpectedly.
  • Poor customer service. AMA auto insurance has poor reviews for its customer service, with complaints citing long wait times and unprofessional sales agents.

What should I know before I apply?

Eligibility requirements

To apply for AMA auto insurance coverage, you need to meet the following criteria:

  • Be at least 16 years old
  • Have a valid Canadian driver’s licence
  • Own the vehicle you wish to insure

How to apply

If you want to apply for AMA auto insurance, you just need to follow these simple steps:

  1. Visit the AMA Car Insurance website to submit an application for a quote online.
  2. Provide the necessary documentation, such as a valid driver’s licence and proof of purchase for your vehicle.
  3. Get verified and work with AMA to negotiate the terms of your car insurance if you meet the eligibility requirements.

How to contact AMA auto insurance

It’s easy to contact AMA Car Insurance on its toll-free customer support number, which operates from Monday to Friday (8am to 8pm MDT) and on Saturday (9am to 5pm MDT). You can also get in touch with its claims hotline 24/7 if you need to report an accident. It’s also possible to fill out an AMA auto insurance claim form to submit online through the AMA website.

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Bottom line

AMA Car Insurance provides mandatory and extended vehicle insurance to residents of Alberta. It also offers roadside assistance and a significant discount if you’re an AMA member when you apply for coverage. Find out more about this provider and learn more about how you can apply for a quote today.

Frequently asked questions

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