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Types of coverage we provide
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run, or with an uninsured driver.
Typically covers fire, hail, theft, collision with an animal, vandalism, and falling objects, among others. (subject to a deductible).
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same provider.
Windows are included in comprehensive*, however, you have the option to remove this coverage to lower your premium. (*Not included in Alberta.)
You can extend your car insurance coverage to protect you while driving a rental vehicle, up to a certain limit.
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.
This allows for the protection of your “claims-free discount” in the event of your first claim.
Recent auto insurance quotes in Red Deer
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Our Reviews
Right from the start I have had a very pleasant experience with Surex. In particular dealing with Miguel Pavon, who went the extra mile to ensure I was well taken care of and all my concerns were resolved. Miguel is efficient and kind. He was timely in the process of securing both my home and auto insurance. I highly recommend him snd hope he is appreciated as one of your team members.
Thanks
Susan Korpela
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Average car insurance prices in Canadian cities 2026
We reviewed thousands of car insurance quotes and found out how much drivers in Red Deer pay on average for their premium. See how your city compares.
City |
Annual Premium |
Monthly Premium |
|---|---|---|
Red Deer |
$1825.00 |
$152.08 |
Barrie |
$2212.00 |
$184.33 |
Brampton |
$3300.00 |
$275.00 |
Brantford |
$2109.00 |
$175.75 |
Burlington |
$2082.00 |
$173.50 |
Calgary |
$2007.00 |
$167.25 |
Edmonton |
$2099.00 |
$174.92 |
Guelph |
$1539.00 |
$128.25 |
Halifax |
$1267.00 |
$105.58 |
Hamilton |
$2047.00 |
$170.58 |
Kingston |
$1928.00 |
$160.67 |
Kitchener |
$1851.00 |
$154.25 |
Lethbridge |
$1596.00 |
$133.00 |
London |
$2317.00 |
$193.08 |
Markham |
$2398.00 |
$199.83 |
Mississauga |
$2837.00 |
$236.42 |
Moncton |
$1596.00 |
$133.00 |
Oakville |
$2540.00 |
$211.67 |
Orillia |
$1680.00 |
$140.00 |
Oshawa |
$2250.00 |
$187.50 |
Ottawa |
$2115.00 |
$176.25 |
Peterborough |
$1739.00 |
$144.92 |
Sault Ste. Marie |
$1964.00 |
$163.67 |
Scarborough |
$2721.00 |
$226.75 |
Thunder Bay |
$1850.00 |
$154.17 |
Toronto |
$2537.00 |
$211.42 |
Windsor |
$1759.00 |
$146.58 |
Yellowknife |
$1722.00 |
$143.50 |
Average prices are based on Surex quotes in the past 12 months for drivers with one vehicle and no claims. Updated April 2026.
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Save up to 25% on car insurance in Red Deer by teaming up with Surex
Red Deer may not be the largest city in the province of Alberta, but it makes up for this by having a fantastic personality and a rich history. The city of Red Deer is home to the Horton Water Spheroid (also known as the Green Onion), which, at the time it was built, was the tallest water town in North America. Red Deer is also known for its unique landmarks and sightseeing opportunities, making it a great place to go for a scenic drive at any time of year.
Speaking of driving, you need to have valid car insurance in order to drive in Red Deer (along with the rest of Alberta, for that matter). However, if you’ve ever bought car insurance in Red Deer, you know that it can be pricey. That’s where the Surex team steps in.
At Surex, our primary goal is to help you save on car insurance. That’s why we work with the most reputable car insurance carriers in the province. Doing this gives us the ability to help you find and compare the cheapest car insurance quotes in Red Deer. Contact us today to learn how we can help you save up to 25% by bundling your policies with one of our providers.
Car Insurance in Red Deer - What You Need to Know
There are three types of car coverage in Red Deer:
- Collision car insurance: coverage for when you and another car or stationary object collide to cover the cost of the repair.
- Comprehensive car insurance: provides coverage for hitting an animal, fire, theft, vandalism, flood.
- Liability car insurance: is required, by law, for all drivers. This insurance protects others from damages caused while you are driving, including property damage, bodily injury, and death.
Car insurance policies are offered by personal lines insurance providers across Canada. Contact an insurance broker so they can provide you with a quote from leading insurance providers so you can compare prices and coverage!
Car insurance in Red Deer is an agreement between customers and insurance providers that commits to protecting against financial losses in the case of a car accident or automobile theft.
Yes, all Alberta drivers including drivers in Red Deer are required to have a minimum amount of coverage for Third Party Liability Coverage, Statutory Accident Benefits Coverage, Uninsured Automobile Coverage, and Direct Compensation & Property Damage Coverage. Check with your licensed insurance advisor to see your car insurance options in Red Deer.
There are multiple factors that affect a car insurance rating in Red Deer. To get the best possible insurance rates, we recommend contacting a licensed insurance advisor to shop the market for you to get the best deals on car insurance.
Drivers should shop around online to get the best car insurance in Red Deer. Getting a free car insurance quote at an online insurance brokerage like Surex will allow you to speak to a dedicated insurance advisor to see which discounts you qualify for.
Drivers must provide a few documents for their car insurance in Red Deer. These include a valid driver’s license, proof of driver’s education training (if completed), vehicle registration, driving history, license plate number, current car insurance policy, which drivers will use the vehicle, and payment information.
Insurance companies in Red Deer send a renewal notice in the mail or online when policies come close to expiration. Policies will have 30 days before they expire, at which point customers can decide to renew or switch up their policies.
The cheapest car insurance provider will depend on every customer’s unique situation. Every company has their own formula, meaning some criteria like driving record or age may weigh more than others. It’s a good idea to compare rates from various insurers with Surex so that licensed insurance advisors can shop the market for you.
You can contact your assigned Surex broker/advisor or contact the insurance company directly. Make sure you have your policy number and details of the claim prepared when you call.
Various factors affect car insurance rates in Red Deer, including the amount you drive, your driving history, the state of the vehicle, your coverage, as well as your deductibles.
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The best road-trip destinations in Red Deer
Hit the road with confidence knowing you’re covered with the right car insurance for your needs at
the lowest possible rate. Here are some of the top spots in Red Deer to explore on your next road trip.
Things to do in Red Deer
- Bower Ponds
- Canyon Ski Resort & Recreation Area Ltd.
- Alberta Sports Hall of Fame
Best Landmarks in Red Deer
- Kerry Wood Nature Centre
- Fort Normandeau
- Red Deer Museum + Art Gallery
Best Shopping Sites in Red Deer
- Bower Place
- Red Deer Farmer's Market
- Parkland Mall
