Compare the best car insurance quotes in Calgary & save today

Calgary is the most populated city in Alberta and the fifth-most populated city in Canada. By extension, it's also home to some of the busiest roads across the country. The city is an urban oasis surrounded by the beauty of the Canadian Rockies, making for a spectacular drive. However, rush hour traffic and heavy road construction can lead to difficult commutes – and worst of all, high auto insurance premiums.

Auto insurance in Alberta is a requirement. It's provided by private car insurance companies and regulated by the Automobile Insurance Rate Board (AIRB). The board ensures rate increases are substantiated – simply put, an insurer can't raise rates without prior approval from the regulatory body. Instead, it's based on their financial records. 

The province also operates within a hybrid system which includes components of no-fault insurance and tort-based insurance. No-fault insurance means that you'll recoup funds from your insurer, regardless of fault. However, the hybridity of the system still allows you to sue for damages. 

Read on to learn everything there is to know about auto insurance in Calgary. Plus, when you're ready, be sure to compare personalized car insurance quotes to find your best rate on the market. We can also connect you with a licensed broker who will guide you through the entire process of securing the coverage you need.

To further customize your car insurance, you can also add Standard Endorsement Forms (SEFs) to your policy. While the selection of endorsements may differ depending on the provider you choose, here are some popular options for Calgary drivers.

According to the 2023 Market Report from the Alberta Automobile Insurance Rate Board, the average annual auto insurance premium in Edmonton ranged from $1,190 to $2,180 – depending on the exact territory within the city. Meanwhile, the average annual premium across the entire province of Alberta was $1,669 in 2023.

Generally speaking, the most expensive rates go to those who live in the downtown core due to the high vehicle density and high crime rates while those who live in residential areas near the outskirts of the city can expect to pay less. Because of recent weather-related events, Calgarians in the northeast area also have a higher average premium.

To find the exact cost of your Calgary car insurance policy, be sure to compare personalized quotes with us – you won't know which insurer offers the lowest rate until you take a look at all of them. Below are three sample quotes our Calgary users received from us in January 2024.

It pays to shop the market for cheap Calgary car insurance. This is because different insurers offer different rates based on a list of personalized factors. Here, we cover a few main ones, so you can better understand how insurers come up with your quote.

While insurers are the ones that quote you, there are many steps you can take to make sure you're getting the cheapest Calgary car insurance on the market. Here, we cover ten different tips to help lower your premium.