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We get you the best car insurance in Alberta because we put you in the driver’s seat at Western Financial Group. How? Western is a leading insurance broker and we partner with Canada’s top insurers to get you personalized car insurance quotes. You choose the best Alberta car insurance quote that fits your needs and saves you money. That’s easy, right?
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Pro tip: New drivers are often covered under their parents’ insurance when learning to drive with a permit, so staying on the family policy initially can help save money.
Alberta car insurance premiums can range from about $1,500 to more than $2,600, depending on your vehicle, driving record, location, and age, among other factors. Alberta uses a premium grid system regulated by the Automobile Insurance Rate Board.
The best way to find out how much your Alberta car insurance will cost is to request a personalized quote from Western Financial Group.
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Your driving record, vehicle model and age, coverage amounts, and usage patterns help determine your Alberta car insurance premium. Alberta uses a premium grid system regulated by the Automobile Insurance Rate Board.
The Grid sets a maximum premium insurers can charge for basic coverage in Alberta. Your insurer compares your calculated rate to the Grid and charges the lower amount. It helps keep mandatory coverage more predictable.
There are some ways to lower your premium, like Usage-Based Insurance (UBI), which uses an app or device to track driving behaviours like braking and speed in Alberta. Safe driving can earn discounts. It gives cautious drivers a way to save. Some insurers offer winter-tire discounts in Alberta even though they aren’t mandated by law. Ask your broker how you can reduce your premium!
All drivers must have basic automobile insurance with at least the mandatory coverages to legally drive in Alberta.
Third-party liability insurance: Covers damages or injuries you cause to other people or their property. The minimum required limit is $200,000, but most drivers choose higher limits (e.g., $1 million) for better protection.
Direct Compensation – Property Damage (DCPD): Covers damage to your vehicle and its contents when another insured driver is at fault. You claim directly with your own insurer regardless of who caused the accident.
Accident Benefits Coverage: Provides medical, rehabilitation, funeral, death, and income replacement benefits to you and your passengers if injured in an accident, regardless of fault. Known as "no-fault benefits".
Collision coverage: Pays to repair or replace your vehicle if it’s damaged in a collision, regardless of fault
Comprehensive coverage: Protects your vehicle against theft, vandalism, hail, fire, or damage not caused by a collision
Specified perils: Covers named risks like fire or theft.
All perils: Combines collision and comprehensive with broader protection.
Additional endorsements
You can switch insurance companies whenever you want. It’s a good idea, though, to wait until your Alberta car insurance policy renewal date to avoid paying cancellation penalties if you’re mid-way through your policy.
Did you know? Changing insurance companies will not affect your insurance rate.
You’ll need your driver’s licence, along with the driver’s licence of anyone else in your household who will be included in your car insurance policy. You will also need the VIN (vehicle identification number) for your car. You’ll need to tell us whether your vehicle is financed or leased along with the payment details. Our experts will help you find ways to save.
Yes: Alberta’s Care-First insurance system is a new no-fault auto insurance model that will take effect on January 1, 2027.
This new insurance model is designed to provide Albertans with faster access to medical care, rehabilitation, and income support benefits after car collisions, regardless of who is at fault.
Injured drivers receive medical treatment and income replacement benefits from their own insurer without needing to establish fault or sue other parties.
Unlike the current system, which limits medical and rehabilitation benefits to $50,000 over 2 years, Care-First will offer unlimited lifetime coverage for medically necessary expenses based on individual needs.
Enhanced income replacement benefits will cover up to 90% of net income, capped at a gross yearly maximum, and payable until age 65, an increase from the current 2-year limit.
The new system will reduce the need for lawsuits, limiting the ability to sue at-fault drivers except in cases of criminal or serious traffic offenses or when damages exceed policy limits. This aims to lower legal costs and premium rates.
Provides lump-sum payments to those with lasting injuries, similar to pain and suffering damages under the old system.
Includes funding for personal care assistants, travel and accommodation for treatment, increased funeral coverage, and enhanced family payments for fatalities.
A new tribunal will handle benefit disputes between claimants and insurers.
Third party liability car insurance pays for injuries or property damage you cause to others in Alberta. Higher limits offer more protection if a claim is large. It’s the foundation of every auto policy.
Collision helps pay to repair or replace your car after a crash with another vehicle or object in Alberta. Lenders often require it for leased or financed vehicles. It protects the value of your car.
Comprehensive covers non-collision risks like theft, vandalism, fire, and severe weather in Alberta. It addresses events you can’t control. Many drivers choose it for added peace of mind.
Common add-ons include glass coverage, loss-of-use (rental car), roadside assistance, and a waiver of depreciation in Alberta. These reduce out-of-pocket costs after a claim. Choose options that match how you drive.
Some policies extend to rental cars automatically in Alberta, while others require an endorsement. This can be cheaper than buying coverage at the counter. Check before you book to avoid gaps.
The Good Driver Rate Cap in Alberta for 2025 is set at 7.5%, which includes a base cap of 5% plus an additional 2.5% rider due to natural disasters such as the 2024 Jasper wildfire and Calgary hailstorm. This rate cap is part of Alberta's short-term reforms to help balance affordability and insurer sustainability before the new hybrid no-fault Care-First system launches in 2027.
The Care-First Act 2027 is a new type of no-fault auto insurance system in Alberta that will take effect on January 1, 2027. It will focus on delivering faster, better medical care, rehabilitation, and income support to Albertans injured in vehicle collisions, regardless of who caused the accident.
Yes, you should. In many cases, a soft credit check will allow a Western Financial Group insurance broker to give you the best price for your car insurance. It’s a factor that determines the level of discount available to you.
A soft credit check looks at the information in your credit report and, most importantly, does not impact your credit score. Your Western Financial Group insurance broker will request your informed consent before checking your credit report.
Insurers consider your driving record, vehicle type, where you live, usage, and claims history in Alberta. They also look at repair and theft trends. Safer habits and lower-risk vehicles can reduce costs.
Vehicle make, model, and year: Insurers consider the likelihood of theft, accident claim frequency, repair costs, and safety features. Newer or high-tech vehicles can be more expensive to insure due to costly repairs.
Driving record: At-fault accidents and major infractions raise premiums, potentially for several years, while minor tickets may have less impact.
Where you live in Alberta: Areas with higher theft, vandalism, or frequent hail damage (Alberta’s “hail alley” region) lead to higher rates.
How much you drive: The more kilometres driven annually, the greater the risk of an accident, which increases premiums.
Age and gender: Younger drivers, especially men under 25, pay higher premiums due to inexperience and risk.
Insurance history: A clean history without gaps or claims generally lowers rates.
Types of coverage and deductibles: The coverage limits, optional add-ons, and deductible amounts chosen influence the premium.
Vehicle usage: Personal vs. commercial use affects rates. Using a vehicle for work, ridesharing, or delivery generally increases premiums
The Grid sets a maximum premium that insurers can charge for basic coverage in Alberta. Your insurer compares your calculated rate to the Grid and charges the lower amount. It helps keep mandatory coverage more predictable.
Some insurers offer winter-tire discounts in Alberta even though they aren’t mandated by law. Better traction can reduce collisions. Ask your broker which companies reward seasonal tire use.
UBI uses an app or device to track driving behaviours like braking and speed in Alberta. Safe driving can earn discounts. It gives cautious drivers a way to save.
Traffic convictions and at-fault claims can influence premiums for multiple years in Alberta. The impact depends on severity and frequency. Keeping a clean record is the best way to lower costs over time.
While the legal minimum exists, many drivers select higher limits such as $1–2 million in Alberta. Higher limits provide better protection against large claims. Your broker can help you choose an amount that fits your risk tolerance.
Western answers your top questions about your Alberta car insurance.
Check for injuries, move to safety if possible, and document the scene in Alberta. Exchange information and gather photos and witness details. Contact your insurer promptly to start the claim. Contact police, if needed.
If you’re not at fault, DCPD covers your vehicle damage through your own insurer in Alberta. If you’re at fault and purchased collision, that coverage applies. This approach speeds repairs and clarifies responsibilities.
Driving uninsured can lead to heavy fines, licence suspension, and vehicle seizure in Alberta. You could also be personally liable for all damages. Insurance protects your finances and driving privileges.
Many insurers provide electronic pink cards that are accepted as proof of coverage in Alberta. Keeping a digital copy on your phone makes it easy to present when required. Ensure the card is current and readable.
Personal policies may exclude commercial use, so you will likely need a rideshare or delivery endorsement in Alberta. The right coverage keeps you compliant and protected while earning. Confirm requirements with your platform and broker.
Accidents and emergencies can happen outside regular business hours. Western’s insurance experts are available 24 hours a day, 7 days a week to receive
your calls.
During business hours: If you have a claim during regular business hours, contact your local Western Financial Group broker in person, or call 1-866-245-2779. Or you can also place the claim online through your broker.
After hours: To make a claim after hours, call our toll-free emergency claims phone line at 1-877-599-7299 and our team will review your details. Property claims receive immediate attention with an adjuster assigned. Emergency property claims receive immediate attention with an adjuster assigned. For all other non-emergency claims, including automobile, a Western Broker will contact you on the next business day.
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