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Edmonton Auto Insurance

Find Edmonton’s cheapest auto insurance by comparing quotes from Canada’s leading insurance companies.

Edmonton; Alberta's Capital

Edmonton, the capital city of Alberta, is home to 932,550 residents (2016 census). As the northern anchor of Alberta’s most densely populated region — known as the Calgary-Edmonton corridor — Edmonton marks the beginning point of the mining and energy sectors that dominate the northern half of the province. In addition to being home to North America’s largest shopping mall — The West Edmonton Mall — Edmonton is a city known for its many festivals and its love for its professional sports teams, including the NHL’s famed Edmonton Oilers franchise.

The Edmonton economy also benefits from arts and culture (including many popular museums), post-secondary education, retail, media publication, and finance. Drivers in Edmonton are used to the city’s large gridded layout, bitterly cold winters, many bridges, and the surrounding network of highways.

If you’re a motorist in Edmonton, you’ll need coverage that keeps you safe on the roads for a reasonable rate. With Surex, that’s exactly the kind of coverage you’ll find.

Comparing rates from Canada’s leading Auto insurance providers
Intact Insurance
Wawanesa Insurance
CNS Insurance
Jevco Insurance
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Need Coverage but don't know what it all means?
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
Latest Edmonton News

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

  1. Personalized insurance quotes: Surex will capture some of your basic information — either by phone or online — and then shop the market for you. In under 10 minutes, you’ll have up to 10 personalized auto insurance offers to choose from.

  2. Customize your offers. Once you receive the initial quote, you can edit your information and compare quotes to find the best overall value.

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

  • Be bridge-smart. The North Saskatchewan River cuts right through Edmonton, meaning that local drivers need to be familiar with their route, and be comfortable navigating the city’s 15 spans. Bridge construction and maintenance can mean road narrowing, lane closures, and frequently changing detours, so look out for temporary signage when approaching a bridge.

  • Be highway-savvy. Edmonton is encircled by a vast network of highways, including Highway 216, Highway 28, Highway 2, Highway 14, and Highway 16. When taking one of the city’s many throughways, Edmonton drivers should avoid distraction, leave extra time for congestion, leave enough braking distance (especially in poor conditions), merge carefully but swiftly, and ensure their vehicle is in proper working order before getting on a highway.

  • Winter driving 101. When it comes to winter, Edmontonians don’t get spared! When driving in the city’s brutal winter conditions, drivers should be prepared for all situations. Installing winter tires is a must (and will save you on auto insurance!); so is an emergency kit with blankets, a flare and matches, winter-rated windshield washer fluid (with an extra container in the trunk), at least a half-full tank of gas, a fully charged mobile phone, a snow scraper, and a mindset of caution and patience. You’ll get to your destination — it just might take a little longer than you hoped.  

  • Watch for students. Edmonton is home to three public school boards (for elementary and secondary schools), a handful of private schools, and a number of post-secondary institutions, including MacEwan University, the University of Alberta (U of A), Concordia University of Edmonton, The King's University, and the Northern Alberta Institute of Technology (NAIT). That means Edmonton drivers need to be mindful of students on foot, on bicycles, using public transit, and operating vehicles as student drivers.

  • Compare your options. One of the most important ways to find competitive auto insurance rates in Edmonton is to get free quotes online. By comparing offers from many of Canada’s leading insurance providers, Edmonton drivers can find a policy that suits their needs without breaking their budget. So instead of simply re-upping with your current insurance provider, take a few minutes (before your policy automatically renews) and visit a rate comparison site like Surex to see what’s available. Even saving a few dollars per month can add up over the course of your 12-month insurance policy.

  • Winter tires. When you start to notice the weather getting (and staying) cold — the rule of thumb is 7 degrees Celsius — it’s time to put winter tires on your vehicle. The softer rubber compound of winter tires is proven to reduce stopping distance and give you extra traction in cold weather and slippery conditions. Not sure if your tires are actually winter-rated? It’s simple — just look for the symbol on the sidewalls of the little snowflake inside of the mountain. That means your winter tires have met the standards laid out by the Rubber Tire Association of Canada, and therefore you qualify for a 5% discount.

  • Telematics. Telematics — or Usage-Based Insurance — means that you grant your insurance company permission to track your driving behaviour, and you’ll be rewarded with a discount of up to 30% if you demonstrate safe driving patterns. The driving behaviour that gets monitored (through a small digital device mounted in the vehicle) includes speed, braking, fuel consumption, trip distance, and driving smoothness. And don’t worry, insurance companies don’t penalize drivers with increased rates if they fail to meet the ‘safe driving’ criteria.

  • Bundling discounts. One of the most common ways for Edmonton motorists to save on car insurance is by bundling their auto and home insurance policies with the same company. Even if you rent, you can bundle your car and renters insurance. Customers who bundle policies should expect to see savings of up to 15% on their auto insurance, and up to 10% on their property (home/condo/tenant) insurance.

Jason proactively helped us with the car insurance, and provided with all options. He was exceptionally helpful. It was great interacting with him.

Puneet T — Edmonton, AB

Always so helpful and nice! Denae is such a great person to work with when I have changes to my policy!

Naomi H. — Edmonton, AB

Very helpful staff, especially Lisa. They always work on what's best for their clients. I am happy dealing with Lisa.

Murari G. — Edmonton, AB

Very accommodating and very much convenient. No hassle at all. You can get an insurance right away.

Yzamae L. — Edmonton, AB

Jordan is an excellent guy who serves me way better than I expected. I am so happy provided lots of choice of insurance with open mind.

Dig K. — Edmonton, AB
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Top Parks in Edmonton
  1. Hawrelak Park
  2. Rundle Park
  3. Terwillegar Park
Top Shopping Sites in Edmonton
  1. West Edmonton Mall
  2. Southgate Centre
  3. South Edmonton Common
Top Landmarks and Sights in Edmonton
  1. TELUS World of Science
  2. World Waterpark
  3. Galaxyland

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Questions to ask your Dedicated Insurance Assistant

The factors that determine how much car insurance will cost are different for every driver, therefore it’s difficult to say exactly how much car insurance costs. Insurance companies look at factors such as vehicle make and model, driver information (e.g. sex, age, occupation, marital status), driving history, the city in which the driver lives, and government regulations (which vary by province). Because so many factors are considered, and because each insurer arrives at their rates slightly differently, it’s important for Edmonton drivers to shop around in order to find the cheapest rate.

In order to insure a vehicle, Edmonton motorists need the following: a valid driver’s license (this doesn’t need to be from Alberta — it can be from different province or territory), a driver safety training certificate (if you wish to qualify for a safe driving discount), vehicle registration information, record of driving history, license plate details, payment information (banking details, credit card details, etc), and details of all drivers who will be operating your vehicle on a regular (or semi-regular) basis.

Once you’ve received a free auto insurance quote from a comparison site like Surex, you’ll speak with a Dedicated Insurance Assistant over the phone to confirm your information, provide additional details as required, learn about any discounts you may qualify for, find out exactly what your rate will be, discuss payment options, learn about the claims process, and finalize your policy.

A deductible is the amount you’re required to pay before collecting on a certain coverage. In other words, it’s the portion of the insurance payout that you — the policyholder — is responsible for paying for. For example, if you decide to include Comprehensive to your car insurance policy, and your vehicle experiences a covered peril (ie. vandalism), you may decide to make a claim. However, if your Comprehensive coverage has a deductible of $1,500, you will need to pay that amount before your insurance company covers the rest of the damage. Keep in mind, if you request to raise the amount of your deductible, insurance companies will often grant you a discount (but be ready to pay it out in the event of a claim!).

Yes. According to Canadian law, you have 14 days to cancel your policy after it starts. This gives you time to change your mind if you find a better deal, or if you no longer require the policy. But remember, if you wait beyond 14 days, you will be on the hook for your insurance company’s cancellation policy. Cancellation penalties varies by company, but are usually a percentage of your full policy — so do the math and be sure it’s worth it to switch to a different provider (the amount you save may not outweigh the amount you’ll be penalized for switching).

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