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Car insurance in Alberta

Looking for car insurance in Alberta? Compare providers to find the best coverage for your unique set of needs and budget.

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Alberta

Car insurance quick facts

$200,000

Minimum liability coverage

$1,316

Average annual car insurance cost

Alberta has relatively high insurance premiums compared to most other provinces in Canada, aside from Ontario and BC. That said, you can get reduced rates if you know how to compare providers to find the best coverage. You may also be able to get discounts for certain personal factors, such as having a clean driving record or keeping your mileage low.

Find out more about how much you’ll have to pay to get car insurance in Alberta, and compare a number of reputable providers to find the best rates.

Compare free car insurance quotes online for Alberta

Name Product Accident Forgiveness Min. Liability Coverage Discounts Available Online Claims Available Provinces
Surex Auto Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Submit one application and receive quotes from 10+ insurers. Save up to 25% on your car insurance, plus get access to an insurance advisor.

Who it might be good for: Drivers looking to use an insurance broker to compare multiple pricing and coverage options.
Sonnet Auto Insurance
Yes
Varies by Province
Up to 25%
Alberta, New Brunswick, Nova Scotia, Ontario, PEI, Quebec
Get auto insurance with Sonnet in just five minutes. Save up to 25% on your auto insurance through discounts and bundling options.

Who it might be good for: Drivers looking to apply and manage their car insurance completely online.
Intact Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Get car insurance with Intact and enjoy a quick turnaround on any lodged claims. Get a free quote through Surex.

Who it might be good for: Drivers looking to get rewarded for good driving behaviour.
Aviva Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Aviva car insurance offers customizable policies, discounts and optional insurance coverage add-ons. Get a free quote through Surex.

Who it might be good for: Drivers looking to customize their auto policy.
Travelers Car Insurance
Yes
$1,000,000
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Nunavut, Ontario, Yukon
Travelers auto insurance offers a selection of coverage options for just about any type of vehicle. Get a free quote through Surex.

Who it might be good for: Drivers looking to get car, motorcycle, classic car, motorhome or recreational vehicle coverage.
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Average cost of car insurance in Alberta

You’ll pay an average of $1,316 per year for car insurance coverage in Alberta (according to a report from the Insurance Bureau of Canada). This number is a rough estimate based on the total amount of premiums collected in the province divided by the number of personal vehicles insured.

This average seems to be on par with prices we sourced for the minimum level of coverage you can have. You’ll typically have to pay more if you add collision or comprehensive coverage onto your policy. You’ll also pay more for special endorsements like first claim forgiveness or new car depreciation protection.

Your rates will also fluctuate based on a number of personal factors. These include your gender, age, address, driving experience, claims history and car type. For example, women typically pay less than men, drivers with more than five years of experience pay less than new drivers, people who live in the country pay less than city-dwellers and the list goes on.

Which city has the cheapest car insurance in Alberta?

Car insurance quotes in Calgary

Calgary is on-par with Edmonton in terms of the prices you’ll have to pay for mandatory insurance. This is likely because they’re both large cities with similar traffic congestion.

ProviderAnnual insurance rate
Intact$1,607
SGI CANADA$1,607
Pembridge$1,615
RSA$1653

Car insurance quotes in Edmonton

Edmonton matches Calgary for having the highest rates for basic car insurance. It will cost you over $1,600 to put $1 million in third-party liability on your vehicle according to our analysis.

ProviderAnnual insurance rate
Intact$1,607
SGI CANADA$1,607
Pembridge$1,615
RSA$1,653

Car insurance quotes in Red Deer

Red Deer matches Lethbridge and Grande Prairie for rates – likely because they’re all similar-sized cities. Insurance can cost as much as $1,337 per year for our driver based on $1 million third-party liability coverage.

ProviderAnnual insurance rate
Intact$1,291
SGI CANADA$1,291
Pembridge$1,299
RSA$1,337

Car insurance quotes in Lethbridge

Lethbridge matches Red Deer and Grande Prairie for rates. This is likely because it’s a moderate-sized city with less traffic congestion and urban sprawl than Calgary or Edmonton.

ProviderAnnual insurance rate
Intact$1,291
SGI CANADA$1,291
Pembridge$1299
RSA$1,337

Car insurance quotes in Grande Prairie

Grande Prairie is the smallest city on the list, and it has lower premiums than Calgary or Edmonton as a result (though it offers the same rates as Lethbridge and Red Deer).

ProviderAnnual insurance rate
Intact$1,291
SGI CANADA$1,291
Pembridge$1,299
RSA$1,337

Which company offers the cheapest car insurance in Alberta?

According to our comparison above, the company offering the cheapest car insurance in Alberta is Intact Insurance. That said, there are tons of other providers you might like to source quotes from to find better rates.

Your best bet is to look for a company that offers a number of discounts that you might be eligible for. You’ll also get a more accurate list of prices if you compare providers using your own personal information. This is because there’s no one-size-fits-all insurance policy out there, and you might pay hundreds more than you have to if you don’t do your homework.

Where can I buy car insurance in Alberta?

There are a number of different private car insurance companies in Alberta to choose from. These include The Co-operators, Allstate, AMA, belairdirect, Aviva and all of the providers listed in our analysis above (plus many more). You can also apply for insurance from many of Canada’s Big Five Banks – though you may need to deal with salespeople to get the right deal.

If you want to compare a number of quotes at one time, you can also choose to source rates from a third-party insurance broker. These agents work with a number of different insurance providers at one time to match you with the best type of coverage for your unique set of needs and budget.

Minimum provincial requirements for car insurance in Alberta

There’s a minimum level of car insurance coverage that you’ll need to drive a vehicle in Alberta. This includes the following:

  • Liability insurance. Covers your costs if you need to pay for the injuries or vehicle damage of another driver in an accident that’s your fault (minimum $200,000).
  • Accident benefits. Pays for any medical bills or time off work you may incur from getting into an accident (Up to $50,000 in medical for you and your passengers, plus a certain amount for time off work).

Are there eligibility requirements for car insurance in Alberta?

Eligibility requirements

To apply for car insurance in Alberta, you’ll typically 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
  • Be willing to purchase the minimum amount of liability coverage

How to apply

If you think you meet the eligibility criteria, you can apply for car insurance coverage with these simple steps:

  1. Visit the website for the car insurance provider of your choice 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 your car insurance provider to negotiate the terms of your car insurance if you meet the eligibility requirements.

Bottom line

Alberta has the third-highest car insurance rates in Canada although your overall rates will depend on a number of personal factors as well as on what level of coverage you want. This is why it makes sense to compare providers to find the best insurance for your needs at a price you can afford. Learn more about how you can apply for car insurance in Alberta and what you can expect to pay for the minimum level coverage.

Frequently asked questions

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