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Compare and purchase the best
car insurance rates in Alberta.

Compare and purchase the best
car insurance
rates in Alberta.

Get free & accurate quotes from Canada’s top car insurance providers.
In just a few minutes, our quoter can unlock discounts that can have
you saving hundreds of dollars a year on average.
Get free & accurate quotes from Canada’s top car insurance providers. In just a few minutes, our quoter can unlock discounts that can have you saving hundreds of dollars a year on average.
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Comparing rates from Canada's leading Insurance Providers

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Alberta auto insurance rates vs. other provinces

Alberta auto insurance rates are slightly above other provinces, in part due to the province’s regulations.

Province

Average Rates

Alberta

$2,316

Ontario

$2,813

Newfoundland & Labrador

$2,756

Northwest Territories

$1,867

Nunavut

$1,468

Nova Scotia

$2,003

New Brunswick

$1,720

Yukon

$1,728

Prince Edward Island

$1,494

See how our customers save big on car insurance

At Surex, we’re dedicated to helping Albertans find the right insurance for the best price.

Customer

City

Vehicle

Average Quote

Purchased Quote

Savings

Car Insurance in Alberta - What You Need to Know

Who sets car insurance rates in Alberta?

​​Car insurance rates in Alberta are determined by a few key factors:

  • Car Insurance data - This relates to the frequency and amount of car insurance claims that auto insurers have dealt with in the area where you’re insuring your vehicle. Studies show if you reside in a busy city, such as Calgary or Edmonton, you are more likely to be involved in a car insurance claim than if you reside in a small rural community.
  • Your personal driving history - The car insurance carrier you choose to place your business with will need to know your prior auto insurance claims history, as well as your ticket history.

If you’ve gone six years without an at-fault accident or three years without a ticket, you’ll be eligible for claims-free or convictions-free discounts from some of Surex’s car insurance carrier partners.

The type of coverage you’re looking for also influences your car insurance rates in Alberta. There are three types of auto insurance available to drivers in Alberta:

  • Third Party Liability: this is the legal minimum of car insurance coverage needed in Alberta. Third party liability insurance aims to protect you if you are involved in an accident, and may have to make a payment to another party.
  • Liability, Collision & Comprehensive: Also known as full coverage, this is the maximum auto insurance coverage available in Alberta.
  • Liability & Collision OR Comprehensive: If you own your vehicle outright and are looking for more than the minimum amount of car insurance coverage, but not quite the maximum amount, this is where you’ll find what you need.

If you’re leasing or financing a vehicle, there’s a 99% chance that liability, collision and comprehensive coverage — full coverage — is required on the vehicle, as part of your leasing/financing agreement.

If you’re new to Alberta and your driving history from your previous country isn’t recognized/available, or if you’re a new driver altogether, an easy way to lower your car insurance rates as a new driver is by taking and passing a certified driver’s training course.

In Alberta, car insurers assign star ratings to drivers. The longer you’ve gone demonstrating great driving habits in Alberta (by not being at-fault in accidents and not getting tickets), then your driver star rating increases, which lowers your annual car insurance amount.

Taking and passing a certified driver’s training course increases your driver star rating by two stars. In essence, it adds two years of clean driving to your record. This increase in star rating can save you up to 15% off your annual car insurance rate in Alberta. 

Before you start looking at car insurance in Alberta, you need to be insured. There are three licensing stages in Alberta:

Stage 1. Learner

-The first step can be undertaken when you're 14 years old (or older). You'll need parental consent if you're under 18.

-Involves an eye exam and a driver's knowledge test.

Stage 2. Probationary

-For this test, you need to be 16 or older.

-You'll need to have had a learner's permit for 12 months

-Involves a basic driver road test

Stage 3. Full

-You need to have had a probationary license for 2 years

-You cannot have had any license suspensions in the last 12 months

-Involves an advanced driver road test.

If you're not sure what insurance options are available to you depending on what stage you're at, we can help you get car insurance in Alberta, no matter where you are in your driving career.

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How It works
How It works

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Why Surex?
Why Surex?

Surex makes it easy to compare, purchase, and save up to 25% on your insurance needs. We shop the market for you, finding the best rate for the coverage you need.

Advisors
Advisors

We’ll match you with a dedicated insurance advisor who can walk you through your options, answer your questions, and help you find the right coverage at the best price.

The Best Road-trip destinations in Alberta

Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Alberta to explore on your next road trip.

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