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Car Insurance Alberta

Multiple Car Insurance Quotes + A Real Person To Help You Along The Way

Our number one priority is helping you save up to 25% on car insurance in Alberta

There are so many unique and interesting facts about the province of Alberta that it’s nearly impossible to list them all. Everyone knows that Alberta is famous for its oil industry and cowboy-inspired attire, but did you know that the province is named after Queen Victoria’s daughter? It’s true! Whatsmore, Alberta is home to the largest municipal park in the country, making it a fantastic destination for adventures.

If you’re planning on going on an adventure in Alberta, you’ll likely need a set of wheels. However, owning a car isn’t cheap, especially once you factor in auto insurance. If you’d like to save on auto insurance in Alberta, you should contact the Surex team.

We know that finding and comparing the best car insurance quotes in Alberta can feel like a hassle — that’s why the Surex is happy to help! At Surex, we can provide you with a variety of high-quality and affordable car insurance quotes. When you team up with a Surex insurance broker (or as we like to call them, advisors) to get access to quotes from the most notable car insurance providers in Alberta, which means that you don’t have to worry about the quality of your insurance policy. Best of all, you don’t have to wait around for your car insurance quotes. We can provide you with ten quotes in ten minutes or less. 

Comparing rates from Canada’s leading Auto insurance providers
Wawanesa Insurance
Pembridge Insurance
economical
Intact Insurance
TuGo
travelers
Jevco Insurance
Types of Coverage That Surex Provides Drivers in Alberta
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

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 slightly above average among provinces in Canada, in part due to the province’s regulations.

Province

Average Rates

British Columbia

$1,832

Ontario

$1,528

Alberta

$1,316

Newfoundland & Labrador

$1,168

Manitoba

$1,140

Northwest Territories

$978

Nunavut

$963

Saskatchewan

$1,235

Nova Scotia

$891

New Brunswick

$867

Yukon

$812

Prince Edward Island

$816

Quebec

$717

Car Insurance in Alberta - What You Need to Know

Who sets car insurance rates in Alberta?

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

  • Car 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 six years without an at-fault accident or three 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 coverage you’re looking for also influences your car insurance rates in Alberta. There are three types of auto insurance available to drivers in Alberta:

  • Third Party Liability: this is the legal minimum of car insurance coverage needed in Alberta. Third party liability insurance aims to protect you if you are involved in an accident, and may have to make a payment to another party.
  • 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 amount 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 and 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 altogether, an easy way to lower your car insurance rates as a new driver is by taking and passing a certified driver’s training course.

The top car insurance companies in Alberta assign star ratings to drivers. The longer you’ve gone demonstrating great driving habits in Alberta (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 in Alberta when you get an automobile insurance quote. 

Before you start looking at car insurance in Alberta, you need to be insured. There are three licensing stages in Alberta:

Stage 1. Learner

-The first step can be undertaken when you're 14 years old (or older). You'll need parental consent if you're under 18.

-Involves an eye exam and a driver's knowledge test.

Stage 2. Probationary

-For this test, you need to be 16 or older.

-You'll need to have had a learner's permit for 12 months

-Involves a basic driver road test

Stage 3. Full

-You need to have had a probationary license for 2 years

-You cannot have had any license suspensions in the last 12 months

-Involves an advanced driver road test.

If you're not sure what insurance options are available to you depending on what stage you're at, we can help you get car insurance in Alberta, no matter where you are in your driving career.

The easiest way to get cheap auto insurance rates in Alberta is by being a driver who is 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 - Car insurers in Alberta 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 six 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 in Alberta is by going at least three 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.

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Licensed Insurance Advisor

Do you have questions about car insurance in Alberta?

In essence, yes. This is because most people in Alberta will choose to have third-party liability coverage only on their vehicle, the cheapest option — and the legal minimum of coverage in Alberta — available. However, we can show you what the top car insurance companies in Alberta can offer you, and help you understand your coverage options.

The most affordable online auto insurance company in Alberta will vary, based on a few factors, including:

  • Your personal driving history
  • The amount of coverage you require
  • Car insurers history of insuring a vehicle in your area (the amount of car insurance claims near you)

There isn’t a set cost for low cost auto insurance in Alberta. Again, factors at play in determining your automobile 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 to 5% on your annual auto insurance premium amount in Alberta, compared to paying monthly, if that option is available to you.

As Alberta’s online insurance marketplace, Surex has partnered with the top car insurance companies in Alberta to get you cheap auto insurance. We can help you get insurance online from a wide array of top rated car insurance companies, including:

  • 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. There may be various discounts associated with different payment methods, so make sure you understand all the benefits your Alberta insurance provider offers.

One of the things that we suggest for all Alberta drivers (but new drivers in particular) is winter tires. Winter tires can increase the amount of control you have in snowy and icy conditions. This translates to better stopping distance, and fewer spinouts.

As the beset insurance broker, Surex can help you compare insurance companies and find an auto insurance quote that fits you. We shop around to find the best insurance coverage for you. You could save a significant amount by getting an online car insurance quote from several car insurance companies, and Surex does that. Surex also leverages our partnerships with our insurance providers to get you deals for auto insurance in Alberta that may not be available anywhere else. We compare the best car insurance quotes from all our partners and help you understand them, to help you get the affordable car insurance plan that works best for you.

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