Compare and purchase the best
car insurance rates in Calgary.

In Calgary, several factors can affect your car insurance premium, including:

• Your car: The make, model, and year of your vehicle can impact your rate—especially if the car has a higher repair cost, is commonly stolen, or lacks modern safety features.
   
• Your driving history: Experienced drivers with a clean driving record typically pay less for auto insurance in Calgary. Speeding tickets, at-fault accidents, or driving convictions will likely increase your premiums.
   
• Where you live: Busy cities like Calgary may have higher rates due to increased traffic and collision risk.
   
• How much you drive: The more time you spend on the road—whether commuting daily or driving long distances—the higher your risk of an accident, which can raise your rate.
   
• Drivers in your household: If there are other drivers living with you who use your vehicle and don’t have their own insurance, they must be added to your policy, which can affect your premium.

• Compare your options: One of the most effective ways to lower your car insurance premium is by comparing your options. By visiting a rate comparison site, such as Surex, Calgary motorists can readily compare rates from a number of Canada’s foremost insurance providers. Instead of automatically renewing your car insurance with your current provider, take a couple of minutes and see what else is available. Because rates can change regularly—and because your personal driving situation can change, too—it’s important to get a new quote every year before your renewal. A small drop in your monthly payment can go a long way over the course of a year.
   
• Bundling discounts: Many Calgary drivers are also homeowners and therefore hold multiple insurance policies. If you also own a home—or if you rent—speak with your dedicated insurance assistant about bundling your policies with the same insurer. Doing so can save you up to 10% on your home (or condo or tenant) insurance, and up to 15% on your vehicle insurance in Calgary. It’s also an easy way to sync your payments and streamline your finances.
   
• Complete a safe driver training course: Successfully completing a driver’s education course is a smart thing to do for a number of reasons. First of all, it’s a great way to learn the rules of the road and reduce your chances of being involved in a motor vehicle accident in Calgary. It’s also an easy way to save money on your car insurance premium. For their first three years on the road, safe driver training graduates in Calgary can expect a discount of up to $1,500 on their annual insurance premium.
   
• Never miss payments: Insurance companies in Calgary love low-risk customers, and one of the easiest ways to show them that you're low-risk—in addition to driving safely and avoiding making claims—is by never missing a payment. Whether you automate payments through your bank account or provide your banking information to your insurer so they can withdraw monthly installments, the important thing to do is never miss a payment. Over time, your car insurance provider in Calgary will deem you a valuable, low-risk customer, and the price of your auto insurance premiums will reflect this.

At Surex, our three-step process will ensure that you end up with the best car insurance in Calgary. Here’s how it works:

1. Personalized insurance quotes in Calgary: Surex will capture some of your basic information when you get insurance online or over the phone and then shop the market for you. In under ten minutes, you’ll have an online car insurance quote from some of the top-rated car insurance companies.

2. Customize your offers: Once you receive the initial automobile insurance quote from an online auto insurance company, you can edit your information and compare quotes to find the best overall value.

3. Purchase and manage 24/7: Once you’ve selected an auto insurance quote and reviewed the insurance policy with your dedicated assistant, you can electronically sign documents to receive proof of insurance in Calgary. If you’d rather speak with someone, we will connect you with a dedicated insurance assistant to walk you through all the options and answer any questions you might have. Once you finish shopping for online insurance, your documents will arrive in the mail, and you can manage your insurance policy 24/7 with our ‘My Surex’ login feature.

• Be highway smart: Surrounded by no fewer than five major highways—the Trans-Canada Highway, Highway 1A, Highway 2, Highway 201, and Highway 8—Calgary drivers are no strangers to congested freeways and speedy throughways. Before setting out on one of these major roadways, drivers should be prepared. We suggest the following tips:

o Plan your route in advance

o Ensure your vehicle is well-maintained

o Know how to handle poor weather conditions

o Drive confidently while sharing roadways with other drivers (particularly large trucks and trailers)

• Get ready for the snow: The city of Calgary is known for its heavy snowfall, so be sure you’ve checked off every item on your winter driving list, including properly inflated winter tires, a fully-stocked emergency kit (including blankets, non-perishable food items, drinking water, candles, matches, and flares), a gas tank that’s at least half full, a fully charged mobile phone, and pre-programmed GPS (never program your navigation device while operating your vehicle). Additionally, we urge you to drive slowly and cautiously in wintery conditions; you’ll need more time for stopping, turning, and merging.
   
• Watch for pedestrians and cyclists: Although Calgary is known as a car city, many people get around on foot and bike. This is especially true in the downtown core, along with nearby schools and campuses. Always leave ample room for pedestrians and cyclists, be mindful of crosswalks and intersections, and drive carefully when driving through Calgary’s many residential neighbourhoods.
   
• Construction: Like many of Canada’s major cities, Calgary faces ongoing construction. As a driver, it’s your responsibility to pay attention to your surroundings. If you see construction, detours, narrowed lanes, workers, or machinery, proceed with caution. Dealing with construction can be frustrating for everyone in Calgary, but rushing can cause an accident, which will only make the situation worse.