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Insurance Quotes Online Alberta

Home insurance quotes in Alberta

There is a lot more to finding the right home insurance quotes in Alberta than choosing coverage that costs the least. We understand that the most reliable coverage is personalized to take your lifestyle and insurance requirements into consideration. That’s what you’ll get from The Co-operators . We provide personalized home insurance quotes because we respect your needs AND your budget. Choose the city nearest you to receive local home insurance quotes in Alberta now.

What sets us apart?

It only takes a few clicks to compare house insurance quotes online. But how do you really know what you’re getting for your money? Our network of advisors in Alberta is always available to provide advice and customer service to make the process of finding and understanding homeowners insurance easier. We also have more than 70 years of experience as a co-operative. That means putting our members and communities first is our specialty.

Ever-dependable coverage

Depend on The Co-operators for home insurance quotes in Alberta to protect you and everything you cherish. When comparing quotes, consider premiums but also consider the amount of coverage and the claims service you’ll get for your money. For high quality insurance coverage in Alberta that’s tailored to your specific needs, talk to The Co-operators today, the first choice for home insurance quotes.

We’re proud of our long history. Over 70 years of providing Canadians with reliable insurance and accurate home insurance quotes in Alberta. Along with our insurance, you can also expect to receive customer service that treats you like an individual, which means you won’t find pre-packaged, one-size-fits-all coverage when researching our many and varied solutions. We also provide Comprehensive Water coverage to protect Albertan homeowners against damage not otherwise covered by home insurance polices. Select your city for more local information.

Contact us today regarding:

  • Home Insurance
  • Life Insurance
  • Critical Illness
  • Other insurance products in Alberta

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Head Office, The Cooperators | 130 Macdonell Street, Guelph, ON, N1H 6P8 | https://www.cooperators.ca | 1-800-265-2662

One of our knowledgeable insurance representative will connect with you via the email and/or phone number provided.

The Canadian Anti-Spam Law (CASL) requires us to gain your consent to stay in touch. To receive our e-newsletter full of information about products and promotions from The Co-operators, please confirm your subscription. You can unsubscribe at any time.

One of our knowledgeable insurance representative will connect with you via the email and/or phone number provided.

The Canadian Anti-Spam Law (CASL) requires us to gain your consent to stay in touch. To receive our e-newsletter full of information about products and promotions from The Co-operators, please confirm your subscription. You can unsubscribe at any time.

You have successfully subscribed to our eNewsLetter. One of our knowledgeable insurance representative will connect with you via the email and/or phone number provided.

Car insurance quotes in Alberta

Getting the best car insurance quotes in Alberta isn’t simply about finding the coverage that costs the least. While cost is an important and sometimes deciding factor, what’s most important is the level and amount of coverage you’ll receive, as well as knowing that you’ll receive customer care that you can rely on. You can be certain to receive the total package when you choose The Co-operators . We respect your needs AND your budget with the personalized car insurance quotes we provide. Select the city nearest you to get local car insurance quotes in Alberta, today.

What sets us apart?

If you’ve ever compared car insurance quotes online, you know there are plenty of options at your disposable. So what makes us unique? Well, it goes beyond our car insurance rates. We built a strong network of advisors in Alberta and across the country who are always available to bring you excellent service. We have more than 70 years of experience as a co-operative, you can rest easy knowing that we will always put our members and communities first.

Find out more from The Co-operators

You can depend upon The Co-operators for accurate car insurance quotes in Alberta that provide the complete picture. Take a close look at what your specific needs are and then talk to us about the product or service your particular situation demands. The Co-operators is your source for truly reliable, competitively priced insurance coverage in Alberta that’s been tailored to your specific needs.

With over 70 years providing Canadians with complete, accurate car insurance quotes in Alberta, you know you can put your trust in The Co-operators . We’re your local source for high quality insurance products and individualized customer care, so you won’t find ill-fitting, one-size-fits-all information with any of our policies in Alberta. After all, every person and every situation is different, and your car insurance quotes should be as well.

Our car insurance quote in Alberta includes:

To receive our monthly e-Newsletter with valuable information about insurance and investments from The Co-operators, please fill out this form. You can unsubscribe at any time. For information about our privacy practices, see our Privacy Policy.

Head Office, The Cooperators | 130 Macdonell Street, Guelph, ON, N1H 6P8 | https://www.cooperators.ca | 1-800-265-2662

One of our knowledgeable insurance representative will connect with you via the email and/or phone number provided.

The Canadian Anti-Spam Law (CASL) requires us to gain your consent to stay in touch. To receive our e-newsletter full of information about products and promotions from The Co-operators, please confirm your subscription. You can unsubscribe at any time.

One of our knowledgeable insurance representative will connect with you via the email and/or phone number provided.

The Canadian Anti-Spam Law (CASL) requires us to gain your consent to stay in touch. To receive our e-newsletter full of information about products and promotions from The Co-operators, please confirm your subscription. You can unsubscribe at any time.

You have successfully subscribed to our eNewsLetter. One of our knowledgeable insurance representative will connect with you via the email and/or phone number provided.

Car Insurance Alberta – Compare Cheap Auto Insurance Quotes

You Could Save $500 Or More On Alberta Car Insurance!

Shopping for car insurance in Alberta? ThinkInsure can help you compare auto insurance quotes from the top Alberta insurance companies.

Quickly compare quotes online or call a friendly broker and they will help you save.

Our experienced brokers provide unbiased advice and will get you personalized coverage for your needs. So you’ll get the best car insurance rates for your insurance needs.

Why Get Alberta Auto Insurance Coverage With ThinkInsure?

Auto insurance in Alberta doesn’t have to be complicated or expensive. Our brokers simplify the insurance quote process for you. Provide us with your information. We’ll quickly handle the rest. The result : Cheap insurance rates and savings .

Reasons to compare car insurance quotes with a ThinkInsure Alberta licensed insurance brokers :

  • We can help you save money : Our goal is to help you save money on car insurance coverage. Who doesn’t love cheap car insurance, right?
  • Quickly compare insurance quotes : We know your time is important. It only takes a few minutes to do a quote. We’ll compare insurance quotes for you to get you the best price.
  • Get the cheapest car insurance rates : Get access to the cheapest car insurance rates for Alberta drivers.
  • Expert auto insurance saving and coverage advice : Our Alberta insurance brokers are licensed and trained. We provide you with recommendations for insurance products that match your personal needs.
  • Experience the broker advantage : We work for you, not the insurance companies. Our Alberta car insurance brokers help you get the best rates and coverage.

Contact A ThinkInsure For A Car Insurance Quote In Alberta

How much is car insurance in Alberta? Find out for sure. Get a quote for car insurance from ThinkInsure. We are experts in helping drivers get the lowest rates on their insurance.

Compare Alberta car insurance quotes by calling us at 1-855-550-5515 OR click and compare quotes online. Start saving today!

How Can I Get Cheap Auto Insurance In Alberta?

There are a number of ways you can get cheap car insurance in Alberta. They include :

  • Use a car insurance broker
  • Compare auto insurance quotes
  • Maintain a clean driving record
  • Have the right amount of insurance coverage
  • Pay your auto insurance premiums in full
  • Bundle home and auto insurance with the same insurance company
  • Speak with your insurance company about car insurance discounts
  • Get a quote each time your policy is available for renewal

Types Of Alberta Car Insurance Coverage

We do more than traditional car insurance coverage. Our brokers can get you Alberta car insurance quotes for all types of coverage. Our insurance products for Alberta drivers include :

  • Classic Car Insurance
  • Motorcycle Insurance
  • Recreational Vehicle Insurance
  • Commercial Auto Insurance

Car Insurance Coverage For All Types Of Alberta Drivers

We understand there are many different types of drivers with different insurance needs. We work with the leading auto insurance companies so we can help you get the best coverage and rates.

  • Young Drivers
  • Over 50 Drivers
  • New Drivers
  • Uber Drivers
  • Usage Based Insurance

Compare Alberta Car Insurance Quotes

Get started below to save on your car insurance.

Savings Tip – Call Us

How Are Auto Insurance Rates In Alberta Determined?

Here are common factors used by Alberta car insurance companies to determine insurance rates :

  • Driving experience : In general, the longer you’ve had your driver’s license, the lower your insurance rates.
  • Type of vehicle you drive : Some vehicles are more expensive to insure than others.
  • Number of drivers on your insurance policy : Adding a secondary driver or occasional driver will increase your auto insurance rates.
  • Age and gender : These are both used by insurance companies when determining insurance costs.
  • Your location : Whether you live in Calgary, Edmonton, Red Deer, Lethbridge or other Alberta cities will impact your rates.
  • Coverage limits : Additional insurance coverage will increase your insurance premium.
  • Vehicle use : What your vehicle is used for and how often you drive will impact the cost to insure a car in Alberta.

How Does Car Insurance Work In Alberta?

Insuring a car in Alberta is different than in other provinces in Canada. Under the Alberta Insurance Act, Alberta car insurance laws require you to purchase a mandatory amount of coverage. Additional insurance coverage can be purchased from a licensed insurance provider.

Is There Mandatory Auto Insurance Coverage In Alberta?

In Alberta, you must meet the minimum requirement for auto insurance :

  • 200,000 in third-party liability insurance
  • Any coverage above and beyond this is considered optional
  • The majority (98%) of Alberta drivers are insured for at least $1,000,000

You will not be able to register your vehicle or drive without this coverage. Your insurance rates for the minimum coverage are determined using the grid rating program.

What Is The Grid Rating Program In Alberta?

The grid rating system was introduced by the Government of Alberta in 2004. It was created to regulate car insurance rates in the province. The system sets a maximum rate that is charged for basic coverage – mandatory third party liability and accident benefits coverage.

How Does The Grid Rating System Work?

Alberta insurance companies are required to compare a driver’s car insurance premium (as determined by their fee system) to the driver’s premium as calculated by the grid rating system. Insurers must charge the lesser premium of the two calculations.

Where a driver lands on the grid depends on many common factors – experience, driving record, driving school certification, age. As your driving record improves, your insurance rates will go down (you will move down the grid).

  • The grid applies only to basic car insurance coverage premiums
  • The vast majority of drivers (94%) do not pay grid premiums
  • Drivers with little or no experience are often capped by the grid rate system

Learn more about the grid rate system on the Automobile Insurance Rate Board (AIRB) website.

Even with the premium grid, you should still get insurance quotes in Alberta to get the best car insurance rates for additional coverage.

Compare Alberta car insurance quotes by calling us at 1-855-550-5515 OR click and compare quotes online. Start saving today!

Top Alberta Auto Insurance FAQs

In the quest to get the cheapest car insurance premiums in Alberta, our customers ask a lot of questions! Here are the top Alberta car insurance questions we get asked on a regular basis :

Who Regulates Auto Insurance Rates In Alberta?

Car insurance rates in Alberta are regulated by the provincial government. However, rates are overseen by the Automobile Insurance Rate Board and the Office of the Superintendent of Insurance.

What Factors Determine Auto Insurance Premiums In Alberta?

Alberta insurance companies use a variety of factors to set car insurance premiums for optional coverage. Insurance costs vary from one driver to another based on :

  • Age, gender, marital status
  • Location
  • Experience and years as a licensed driver
  • Type of insurance coverage
  • Number of drivers on the insurance policy
  • Type of vehicle, vehicle use, distance driven
  • Driving record, at-fault accidents
  • Driver training
  • Insurance coverage gaps, lapse in insurance coverage
  • Car insurance discounts

How Do Alberta Auto Insurance Rates Compare To Other Provinces?

Auto insurance premiums are higher than in most provinces in Canada. Based on the 2017 Ontario Ministry of Finance report : Fair Benefits Fairly Delivered : A Review of the Auto Insurance System in Ontario , only Ontario and British Columbia have higher insurance premiums, on average.

How Much Does It Cost To Insure A Car In Alberta?

The cost to insure a car in Alberta varies based on many factors. It depends on your grid level, whether you get additional insurance, and how much extra coverage you add to your insurance policy.

What Is The Average Cost Of Car Insurance In Alberta?

The average cost of auto insurance in Alberta is approximately $1179 per year. However, rates in the province for mandatory insurance coverage are on the rise.

How Much Is Car Insurance In Alberta Per Month?

Based on the annual cost of car insurance in Alberta, the cost for car insurance is about $98 per month.

How Much Is Car Insurance In Alberta For New Drivers?

Insurance for new drivers in Alberta is more expensive than the average car insurance rates. Less experienced drivers are often capped by the grid rate calculator. As new drivers gain experience and maintain a clean driving record, their premiums will decrease over time.

What’s The Minimum Requirement For Auto Insurance In Alberta?

By law, you are required to have a minimum of $200,000 in third party liability coverage for your vehicle.

What Does PLPD Cover In Alberta?

PLPD, Public Liability and Property Damage, provides coverage for injuries and damage to another person or their property. Drivers in Alberta often purchase additional PLPD coverage that is above and beyond the mandatory minimum requirement.

Does Alberta Have No-Fault Insurance?

Yes. The province of Alberta uses a no-fault auto insurance system. No-fault insurance does not mean no one is at fault for an accident. It means your insurance company will cover the cost of your damage no matter who is found to be at fault for the accident.

I Am Switching Auto Insurance From Ontario To Alberta. What Do I Need To Know?

If you are moving from Ontario to Alberta, you are required to switch to an Alberta insurance provider. To do this, you will need to obtain an Alberta driver’s license and registration within 90 days of moving to the province. Bring a copy of your driving record from the Ontario Ministry of Transportation to help lower your insurance rates.

What Is The All Comers Rule?

The all comers rule ensures all drivers in Alberta qualify for mandatory automobile insurance coverage. Under the Alberta insurance laws, insurance companies cannot refuse third party liability and accident benefits coverage to new drivers or current policyholders. However, there are some exceptions to the rule where coverage can be denied.

What Documentation Do You Need To Purchase Auto Insurance In Alberta?

To purchase car insurance in Alberta, you will need to provide brokers or insurers with the bill of sale or lease agreement for the vehicle, the driver’s license and date of birth of all drivers you want to include on the policy and a driver training certificate for new drivers. Additional information may be required.

Save By Using An Alberta Car Insurance Calculator

The grid rating system is not the only car insurance calculator Alberta drivers can use to compare rates. A car insurance calculator can help you compare optional insurance coverage options, get a better understanding of insurance costs, and see what the market has to offer.

Our brokers can help you calculate rates and compare your insurance options.

Compare Coverage From The Top Alberta Auto Insurance Companies

Our team of insurance experts can get car insurance quotes from the best insurers in Alberta. Our brokers will help you compare rates from Alberta’s leading auto insurance companies, including Aviva, Economical, Intact, Wawanesa, RSA, Travelers, and more!

Check out our extensive list of insurance company partners.

Tips To Save On Alberta Insurance And Get The Cheapest Rates

One thing all Alberta drivers have in common is the desire to get the cheapest car insurance rates. Here are some great tips to help you save :

  • Use a broker to compare options : Brokers can help you compare rates from multiple insurers.
  • Bundle coverage : Bundle all vehicles and home insurance coverage with one insurer.
  • Take advantage of insurance discounts : Speak with your insurer about discounts to lower your insurance premium.
  • Increase your deductible : Increasing your deductible will lower your insurance premiums.
  • Get an annual quote : The AIRB approves insurance rate changes frequently. Compare quotes each time your policy is up for renewal.

Why ThinkInsure Is A Top Alberta Insurance Provider

Our Alberta insurance experts are dedicated to helping drivers save money on optional car insurance coverage. We proudly serve all of Alberta and offer a full selection of additional home and business insurance products to complement our auto insurance products.

ThinkInsure customers get :

  • Cheap rates : We’ll help you get the cheapest insurance in Alberta.
  • One stop shopping : We are your one stop shop for all your insurance needs.
  • Selection : We offer vehicle insurance for all types of cars and trucks.
  • Expert advice : We provide unbiased advice that will help you save money.
  • Personal service : We provide the personalized customer service you expect and deserve as a valued customer!

Alberta Car Insurance News And Blog

ThinkInsure takes pride in helping people save on their car insurance and keeping our roadways safer for everyone. We update our site regularly with information and tips on insurance savings, driving safety, news and much more for Alberta drivers.

What Are The Cheapest Cars To Insure?

Aug 31, 2018: See the cheapest cars to insure in 2018. Learn why minivans and SUVs consistently rank among the cheapest cars to insure. Get some great cost-savings tips to help you save on car insurance before you make your next car purchase.

How Does A Speeding Ticket In Alberta Impact Auto Insurance Rates?

Aug 22, 2018: Got a speeding ticket in Alberta? Got a photo radar or red light camera ticket? Learn about how a speeding ticket affects insurance rates, coverage, your driving record and how to pay speeding ticket fines.

Parking Lot Accident : Who’s At Fault? Driving Record, Insurance And Other FAQs

Jul 24, 2018: Involved in a parking lot accident? Not sure what to do next? Learn about how fault is determined, rules, laws, tips to avoid these types of accidents and get answers common questions about parking lot accidents.

How To Save On Car Insurance : Top 45 Auto Insurance Savings Tips

Jul 13, 2018: Do you want to save money on your car insurance? Tired of overpaying for auto insurance? Check out our Top 45 list of tips to help drivers save more on car insurance.

Read more articles

Car Insurance For ALL Types Of Alberta Drivers

There are many different types of drivers in Alberta who need different types of auto insurance. With our large selection of insurance companies we can get drivers the coverage they need at the lowest rates.

Car Insurance Quotes By Province And City

We are a licensed Alberta and Ontario car insurance broker. So if you are an Alberta or Ontario driver we can get you coverage. Since we work with so many insurance companies you’ll be able to compare mutliple quotes for your region and get the lowest rate.

Need A Car Insurance Quote In Alberta? Contact Us!

If you want the cheapest car insurance rates, you are in the right place. Get an online quote today and work with our Alberta brokers to compare your car insurance options.

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