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Compare car insurance in Calgary

Find out how much you’ll have to pay for car insurance in Calgary and compare quotes to lock in the cheapest rates.


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Quick facts for car insurance in Calgary


Minimum liability coverage


Average annual car insurance cost for Alberta


Average annual car insurance cost in Calgary

The average amount you’ll pay for insurance in Calgary aligns fairly well with the provincial average of around $1,300 for third-party liability. You may also be able to get a lower rate than the provincial average if you qualify for discounts or pay for the absolute minimum level of coverage. Find out more about how much you’ll have to pay to get car insurance in Calgary, and compare a number of reputable providers to find the best rates.

Compare free car insurance quotes online for Calgary

Name Product Roadside assistance Third-Party Liability Collision Coverage Comprehensive Coverage Discounts Available Available Provinces
Sonnet Auto Insurance
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.
Surex Auto Insurance
Up to 25%
Alberta, Northwest Territories, Nova Scotia, Ontario, Saskatchewan, 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.

Compare up to 4 providers

Average cost of car insurance in Calgary

It’s difficult to narrow down exact estimates for the average price of car insurance in Calgary without doing a thorough analysis of the entire market. That said, word on the street is that you’ll pay upwards of $1,300 to get your car insured in this major Albertan city (which seems to be on-par with the provincial average).

Keep in mind that you might pay higher or lower amounts based on a number of personal factors. These include how old you are, what your claims history looks like, how long you’ve been driving, what type of car you drive and which neighborhood you live in. Your rates will also fluctuate based on what type of discounts you qualify for and what level of coverage you want.

Cheapest car insurance in Calgary

It’s hard to say which company offers the cheapest insurance in Calgary. This is because prices will fluctuate based on a number of variables that relate to your unique personal situation. However, in an effort to give you a better understanding of what you might have to pay, we compared coverage for a standard vehicle and driver profile below.

Just keep in mind that this is only meant to give you a quick summary of what could be available in your area. The best way to find the best insurance for you is to compare at least five car insurance providers in your area. You’ll also want to see which discounts you may be eligible for and make sure you ask for them to be applied to your quoted prices.

Sample vehicle and driver

We chose to compare the prices for car insurance based on an address near Meadowlark Park and the Chinook Centre. We compared quotes for $1 million worth of third-party liability on its own, as well as with collision/comprehensive added on.

The quotes outlined are for a 2017 Honda Civic clocking 10,000 km per year. The driver is listed as a 33 year old female with 10+ years of experience and a perfect driving record.

Sample car insurance prices for our driver

The average car insurance prices for our Calgary-based driver were over $1,600 per year. These prices went up astronomically with collision and comprehensive insurance added on.


Annual insurance rate (third-party liability only)

Annual insurance rate (with collision/comprehensive)

SGI Canada$1,607$3,098

Analysis of car insurance in Calgary

Based on our sample, our driver will pay a rate that’s a little bit above the provincial average of $1,316 to get the recommended level of third-party liability coverage. You may also be able to pay less if you choose to get only the legal limit of $200,000 worth of liability insurance.

Intact and SGI Canada are the cheapest car insurance providers for our sample driver, but this doesn’t necessarily mean they’ll be the cheapest for you. This is because your personal details – such as age, gender and driving experience – will influence your pricing.

SGI remains the cheapest option if you add on collision/comprehensive coverage. You should also be aware that adding extended coverage onto your policy could add thousands of dollars to your policy.

Where can I buy car insurance in Calgary?

You can buy car insurance from a wide selection of private companies in Calgary. These include Canada-wide insurers such as Allstate, The Co-operators and several of Canada’s big banks. They also include all of the options listed in our sample above and many more.

Your best bet to get the car insurance that makes the most sense for you is to go through a third-party broker to compare several insurance companies at one time. You can also call various car insurance companies individually to get quotes directly from the source.

Minimum provincial requirements for car insurance in Calgary

You’ll need to have a minimum level of insurance to drive a vehicle in Calgary, which 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 per person plus additional coverage).

Are there eligibility requirements for car insurance in Calgary?

Eligibility requirements

To apply for car insurance in Calgary, 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

You’ll likely pay rates that are on par with the provincial average of $1,316 if you live in Calgary for the most basic level of third-party liability. It will likely cost you much more if you want to add collision or comprehensive coverage onto your policy. Luckily, you can compare quotes from a number of different private insurers to find the best rates for your coverage.

Frequently asked questions

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