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Alberta Car Insurance Quotes

Surex gets you cheap car insurance in Alberta by working with the best car insurance carriers in AB. Compare up to 10 online cheap Alberta car insurance quotes in minutes.

Surex has partnered with the best auto insurance carriers in Alberta to get you cheap car insurance rates. Working with the best insurance companies, we get you up to 10 cheap auto insurance quotes in as little as 5 minutes. Our 100% transparent pricing model allows you to compare your auto insurance offers and choose the car insurance carrier that gives you the best auto insurance rate.

We know your time is valuable. As Alberta’s top online car insurance marketplace, you’re able to start & complete a quote online, at whatever time is most convenient for you. If you have WiFi or data, you can get your multiple cheap auto insurance quotes from your smartphone, tablet, laptop or desktop.

Spend 5 minutes, compare multiple cheap car insurance quotes and allow us to earn your car insurance business!

Comparing rates from Canada’s leading Auto insurance providers
Pembridge Insurance
Intact Insurance
Wawanesa Insurance
CNS Insurance
Jevco Insurance
RSA Insurance
Types of Coverage we Provide
Accident Forgiveness
This allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.
Car Rental Coverage
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Comprehensive Coverage
Subject to a deductible typically covers fire, hail, theft, collision with an animal, vandalism and falling objects among others.
Depreciation Coverage
In the event of a "Total Loss" this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.
Family protection
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Third Party Liability Coverage
When deemed legally responsible, provides coverage for injuries or damage caused by you to third parties and their property.
Windshield Coverage
Windows are included in comprehensive, however, you have the option to remove this coverage in order to lower your premium. *AB it is not included
Car Insurance In Alberta - What Do You Need to Know?

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

  • 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 6 years without an at-fault accident or 3 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 car insurance coverage you’re looking for - In Alberta, the three types of auto insurance available to you are:

    • Third Party Liability: this is the legal minimum of car insurance coverage needed in AB.  

    • 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 auto 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 & 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 all together, 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, 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.  

The easiest way to get cheap auto insurance rates in Alberta is by being eligible for car insurance discounts. Having partnered with the top car insurance carriers in Alberta, Surex is able to offer an array of discounts to Albertans looking to lower their annual car insurance premiums. Auto insurance discounts include:

  • Good credit discount - Auto insurers want clients that always pay their bills. Having a credit score above 650 (we will verify this by doing a soft hit of your credit score, with your permission) can save you up to 20% off your annual car insurance premium amount.

  • Claims-free discount - If you’ve gone at least 6 years without an at-fault accident, this extended run of safe driving highlights to car insurers that the odds of you being at-fault in an accident are lower than normal. Because of this, some auto insurers will offer a claims-free discount to you, which can save you up to 10% off your annual auto insurance premium amount.

  • Conviction-free discount - Another way to demonstrate that you’re less of a risk to auto insurers is by going at least 3 years without a driving ticket (photo radar & parking tickets don’t count). Similar to a claims-free discount, a tickets-free discount can save you up to 10% off your annual car insurance amount.

Rate Changes in Alberta


Rate Changes













Best National Parks
  1. Banff National Park
  2. Elk Island National Park
  3. Jasper National Park
  4. Waterton Lakes National Park
What is Alberta Known For?
  1. Oil Sands
  2. Beef
  3. Cowboy Boots
Best Tourist Spots in Alberta
  1. Banff
  2. Lake Louise
  3. Jasper
Alberta Auto Insurance Rates Vs. the Rest
Alberta auto insurance rates are slight above average among provinces in Canada, in part to the province’s regulations.


Average Rates

British Columbia






Newfoundland & Labrador




Northwest Territories






Nova Scotia


New Brunswick




Prince Edward Island




Learn more about Auto Insurance for specific cities in Alberta

Compare Real Quotes


Talk to Real People

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Licensed Insurance Advisor
Have questions? We’ve got answers

In essence, yes. This is because most people will choose to have third party liability coverage only on their vehicle, the cheapest option -- and legal minimum of coverage -- available.

The cheapest auto insurance company will vary, based on a few factors, including:

  • Your personal driving history

  • The amount of coverage you require

  • Car insurers history of insuring vehicle in your area (the amount of car insurance claims near you)

There isn’t a set cost to insure your car for a year in AB. Again, factors at play in determining your car insurance quotes are your personal driving history, your geographical location and the amount of coverage you require on your vehicle.

Working with your Surex Personal Assistant, they will do all they can to lower your annual car insurance premium amount.

Depending on your past history of paying your auto insurance bills on time, car insurers can give you the option to choose whether you pay for your annual premiums annually or monthly.

If you pay your car insurance amount in full, upfront, this will save you 2-5% off your annual auto insurance premium amount, compared to paying monthly, if that option is available to you.

As Alberta’s online car insurance marketplace, Surex has partnered with the top insurers in the province to get you cheap auto insurance. Our auto insurance partners include:

  • Aviva

  • Economical

  • Intact

  • Pembridge

  • RSA

  • SGI

  • Travelers

  • Wawanesa

Yes. In the vast majority of cases, car insurers will give you -- their valued client -- the option to pay by credit card or direct deposit.

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