Car Insurance in Alberta

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Alberta Car Insurance Guide: Everything You Need To Know

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Shop around for your Alberta car insurance and pay less for the coverage you need. At, we help you find a better rate. We shop the market for you making it quicker and easier for you to get quotes and coverage from the top providers all in one place.

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Don’t live in Alberta but are looking to save money on your car insurance? Get and compare quotes for: Ontario car insurance, Quebec car insurance, Nova Scotia car insurance, New Brunswick car insurance or PEI car insurance too.

Car Insurance in Alberta

Car insurance in Alberta is mandatory and according to the Alberta Automobile Insurance Rate Board (the folks who regulate and monitor automobile insurance in the province), every vehicle must have at least $200,000 third party liability and accident benefits coverage to operate a private passenger automobile.

The basic Alberta car insurance coverage needed

The following are the compulsory coverages needed in Alberta:

  • Accident Benefits: Accident Benefits covers the people in a vehicle in the event of injury. Coverage can include medical and rehabilitation costs, funeral expenses, death benefits, as well as income replacement.
  • Third Party Liability: Third Party Liability coverage pays for a legal claim against the policyholder in the event that they are responsible (whether wholly or partially) for a collision that causes injury or damage to a third party. The minimum limit requirement is $200,000 although most Alberta drivers go with at least $1 million.

Optional coverages and endorsements you can tack onto your Alberta car insurance policy

There are optional coverages that can be added to your Alberta car insurance policy to ensure that you’re protected in the way you expect to be covered. Two of the most well-known are:

  • Collision coverage: This covers damage to your vehicle as a result of an impact or collision with another vehicle or object.
  • Comprehensive coverage: This insures your car against damage caused by events like theft and vandalism.

Both of these optional coverages usually have a deductible. A deductible is the portion of an insurance claim you agree to pay. Your deductibles will factor into how your auto insurance rates are calculated. The higher the deductible the lower your rates. 

There are other optional coverages as well that you can add to your policy such as:

  • Loss of Use - pays for a rental car or alternate transportation while your automobile is being repaired if damaged in a collision
  • Legal Liability for Damage to Non-Owned Automobiles - extends your physical damage coverage and deductible on your personal vehicle to a rental vehicle so that you don’t have to take the coverage offered by the rental company
  • Limited Waiver of Depreciation - ensures you will receive the full value of what you paid for your car if totalled in a collision.

These are just a few of the more popular, but there are many others as well.

What goes into calculating your Alberta auto insurance rate?

There are many things that go into determining your car insurance rate. Even though what you pay will vary by company, a few things that every auto insurer will consider include:

Your driving record

How long you’ve been licensed, traffic ticket convictions, as well as collisions where you’re wholly or partially at fault will affect what you pay for your coverage.

The car you drive

What you drive will, in part, determine what you pay for auto insurance. Insurance works this way because theft rates, vehicle safety ratings, and the historical repair costs for a vehicle can vary significantly.

How often and how far you drive

The more time you spend on the road, the greater the chance you’ll be in a collision. If you work close to home (or take public transit), chances are you’ll pay less for your Alberta car insurance than someone who commutes every day for long stretches of time.

Where you live

Where you live also factors into your car insurance rate. If you live in a rural area, chances are you’ll pay less than someone who lives and drives in a city where there are more drivers on the road.

See how neighbourhoods differ. The Insuramap tool shows you what a typical car insurance rate is where you live and in the vicinity around you.

Save money on your Alberta car insurance and shop around

Compare rates regularly to ensure you’re not overpaying for your coverage. Shop around for your auto insurance when:

  • It’s time to renew
  • You get married
  • You move
  • You buy a new car
  • Add drivers (like a teen) to your policy
  • Get a ticket or are involved in a collision
  • Change jobs, or
  • Retire

Auto insurance isn’t one of those things that you can get and forget; it’s important that you regularly check in on the rates you pay to make sure you’re getting the best Alberta auto insurance rate possible. Compare Alberta car insurance quotes today to see if you could be saving money.


About 95% of Albertans wear their seat belts when they travel in their vehicles, whether they are going across the province or across town. While 95% is good, 100% would be great; seat belts save lives and improve the odds of surviving an auto accident.

Seat Belt Rules

There are different rules for proper seat belt use depending on whether the user is an adult, an infant or somewhere in between.


For the purposes of seat belt use, adults are generally considered to be 12 years of age and older; people who can sit comfortably in the car's seat. Adults older than 16 years of age are responsible for ensuring that passengers under 16 are buckled up properly.

  • Seat belts normally consist of a lap belt, which goes across the lap of the occupant, and a shoulder belt, which sits diagonally across one shoulder and meets the lap belt. Adults should ensure that both parts of the belt fit properly:
    • The shoulder belt is worn close against the body, sitting over the shoulder and across the chest. It should never be put under one's arm or behind the back. It is a vital part of the seat belt, and will keep you safer if an accident occurs.
    • The lap belt sits snug against the body, sitting low across the wearer's hips.
  • Make sure, before you buckle up, that the seat belt is not twisted. It should sit flat against one's shoulder, chest and lap. If the belt is twisted, it will not protect the wearer as effectively, as the full width of the belt spreads the force of a collision across the body.


Infants, toddlers and children need to be secured in child safety seats or boosters, appropriate for their age, size, and weight. When restraining an infant in a vehicle, remember:

  • Babies are required to sit in a rear-facing child safety seat, and should use this seat until they are:
    • At least one year old
    • Weigh at least 10 kg (22 lb)
    • Walking
  • Position the safety seat in the back seat of the vehicle, preferably in the middle. If the vehicle is a truck, and does not have a full back seat, put your baby in the front middle seat. Make sure that, wherever the baby is sitting, there are no airbags, or the airbags have been deactivated.
    • Make sure the safety seat is in a semi-reclined position, providing the best support for the head, neck and back.
    • Use the car seat belt or a Universal Anchorage System (UAS) to secure the seat in the vehicle.
    • The safety seat is secure when it moves less than 2.5 cm (1 inch) in any direction.

Toddlers and Young Children

The following guidelines should be followed when securing toddlers in a vehicle:

  • Children can move from an infant car seat to a larger one when they:
    • Are older than one year
    • Weigh more than 10 kg (22 lb)
  • A car safety seat must be used until the child is at least six years of age.
  • Position the seat in the middle back seat of the vehicle. This is the safest spot in the car. If the vehicle is a truck, and doesn't have a full back seat, put the safety seat in the front middle seat. Make sure that, wherever the child is sitting, there are no airbags, or the airbags have been deactivated.
    • If there are two children who require safety seats, position one behind the driver side and one behind the passenger side.
    • The safety seat should sit straight up against the back of the seat of the vehicle. In a crash, forces are distributed along the strongest parts of the body (shoulders, hips, and torso).
    • Use the car seat belt or a Universal Anchorage System (UAS) to secure the seat in the vehicle.
    • The seat should also be secured with a top tether strap. Newer vehicles already have a tether strap installed; if your vehicle does not have one, get one installed by a professional.
    • The safety seat is secure when it moves less than 2.5 cm (1 inch) in any direction.
    • At this stage, children can sit facing the front of the vehicle. Facing the rear of the vehicle is still the safest for children, and manufacturers are now making seats for toddlers and children that face the rear and are suitable for children who weigh 16 kg to 18 kg (35 lb to 40 lb).
    • Booster seats: When a child reaches six years of age or weighs more than 18 kg (40 lb), she/he can use a booster seat. Children at this age are too small to use only a seat belt for restraint, as the belt will ride too high on the child's belly and neck, which can result in serious injury in a crash.
  • Using a booster seat allows the seat belt to fit safely and correctly, and provides a more comfortable ride.
  • The booster seat can be secured using the vehicle's seat belt system.
  • It is recommended that a child use a booster seat until she/he is 9 years of age, reaches a weight of 36 kg (80 lb) and a height of 145 cm (4 ft 9 in).
  • Once a child has outgrown the booster seat, she/he will be able to use a seat belt only.

Pregnant Women

Pregnant women should buckle up at all times. The seat belt will not harm the baby if used properly. Pregnant women should following these guidelines:

  • Both the lap and shoulder belt should always be worn.
  • Position the lap belt under the belly and over the hips.
  • The lap belt should NEVER sit across the belly.
  • The shoulder belt should rest between the breasts, and off to the side of the woman's belly.
  • The shoulder belt should never be placed under one's arm.
  • If possible, adjust the shoulder belt height to fit correctly.
  • Make sure the seat belt fits snugly.
  • If a crash occurs, even one that may be considered minor, pregnant women should always see their physician, as there may be a risk of complications.

Not buckling up properly, or modifying or removing seat belts from vehicles can result in a $115 fine and lost demerit points.

Stay up-to-date on Alberta seat belt laws and learn more about seat belt safety. Visit:

Demerit Points In Alberta

Every driver on the road knows that demerit points are something to avoid. No one wants them on their driver's licence. Demerit points are added to your driver's abstract once you commit an offence. They are not taken away as people commonly believe.

Demerit points, on their own will not affect your insurance, the offence itself does as well as the licence suspension some people get for having accumulated too many demerit points.

Demerit points are added to your driving record upon conviction of the offence. A conviction occurs when you pay the ticket's fine voluntarily or are found by a court to be guilty.

Alberta Demerit Points: Examples

The list of violations that come with demerit points upon conviction is long. The following are a few of the more common offences committed by drivers. In Alberta:

  • Speeding will get you anywhere from 2 to 6 demerit points added to your licence, depending on how much over the posted speed limit you are going.
    • Racing will automatically add 6 demerits to your driver's licence.
  • If you don't stop for a school bus, you'll be looking at 6 demerit points.
  • Failing to yield right-of-way to a pedestrian in a crosswalk or tailgating another vehicle will give you 4 demerit points.
  • Driving in the wrong direction on a one-way road, or failing to stop at a stop sign or red light will get you 3 demerit points.
  • Making an improper U-turn, failing to signal when changing lanes, and straddling two lanes while driving will each earn you 2 demerit points.

The most demerit points that are added on a single infraction in Alberta is 7, and it is for failing to remain at the scene of an accident.

Driver's Licence Demerit Points

Most infractions, upon conviction, will get you between two to four demerit points added to your driving history. View the complete list of infractions and the associated number of demerit points, on the Alberta Transportation website.

Graduated Licences and Demerit Points

Alberta has a graduated driver licensing program. This means that people who are learning to drive will graduate to different stages of probationary driving periods, depending on knowledge and experience, until they are fully-licensed as a Class 5 driver. It takes a minimum of 3 years to complete both stages of Alberta's Graduated Licensing Program.

Beginner drivers can collect demerit points for committing the same infractions as fully-licensed drivers. Since they are still in the learning phases, however, there are infractions that are specific to them that will earn them demerit points also. Drivers still in the graduated licensing program will get demerit points (2) for each of the following:

  • Violating curfew,
  • Having more passengers than seatbelts, and
  • Not having a qualified supervisor with them while driving (a qualified supervisor is someone who is at least 18, fully licensed and sitting in the front seat with the driver.)

Demerit Points Consequences

Drivers with a graduated licence, who collect four to seven demerit points within a two year period will receive a letter regarding the points they have against their driver's licence. At eight demerit points, novice drivers will have their licence suspended.

Experienced (fully licensed drivers with a Class 5) will get a letter with their point standing, after accumulating 8-14 points within 2 years, and will have their licence suspended at 15 demerit points.

For more information:

There is a price to pay for not obeying the rules of the road; demerit points, increased auto insurance rates and even the risk of losing your driving privileges. Taking care on the road is the smart thing to do.

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Car Insurance Quotes Premium
Customer 28, EDMONTON, AB
Millennium Insurance $1362
Alberta Motor Association$1684
Intact Insurance$2164
Western Direct$2398
Range of top quotes$1036
Customer 73, EDMONTON, AB
Western Direct$1102
Intact Insurance$1316
Alberta Motor Association$1387
Range of top quotes$450
Millennium Insurance $1873
Alberta Motor Association$2229
TD Insurance$2608
Intact Insurance$2621
Western Direct$2677
Range of top quotes$804
Customer 26, COCHRANE, AB
Millennium Insurance $1309
Alberta Motor Association$1337
TD Insurance$1934
Range of top quotes$777
Customer 40, CALGARY, AB
Western Direct$1235
TD Insurance$1502
Intact Insurance$1950
Range of top quotes$715
Customer 33, CALGARY, AB
2013, SCION, FR-S 2DR
Millennium Insurance $1422
TD Insurance$1811
Alberta Motor Association$2095
Intact Insurance$2642
Economical Insurance$2784
Range of top quotes$1362
Customer 29, BLACKFALDS, AB
2007, PONTIAC, G5 4DR
Western Direct$1737
Alberta Motor Association$1888
TD Insurance$2353
Intact Insurance$2664
Economical Insurance$2980
Range of top quotes$1243

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