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Are you looking for car insurance in Edmonton? With over 1 million residents and thousands of drivers on the road daily, having the right auto insurance in Alberta’s capital is essential.
According to the Annual Collision Report from the City of Edmonton (last updated September 2024), there were just over 20,000 collisions in Edmonton between January and September 2024. That's more than 75 crashes every day in the 266 days reported. Add in harsh winters, busy routes like Anthony Henday Drive and Whitemud Drive, and rising auto theft rates, and you’ve got a city where having proper coverage really matters.
At BrokerLink, our brokers live and work in Edmonton, which means that whether you're commuting downtown, navigating around roads in Mill Woods, or heading out to St. Albert or Sherwood Park, we understand the driving risks unique to Edmonton. We’re here to help you find the right protection, from basic coverage to comprehensive add-ons tailored to your lifestyle. Explore our Edmonton auto insurance services below.
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Car insurance is a contract between you and your provider. You agree to pay a regular monthly or annual fee, and in return, your insurer helps cover costs if your car is damaged in an accident or by other covered events.
How is Edmonton car insurance different? While it works like standard auto coverage, it’s tailored to the unique factors that come with driving in Edmonton, including local traffic conditions, crime rates, and insurance claims.
For example, Edmonton has seen a rise in vehicle thefts and collisions in recent years, which can impact car insurance rates. The Insurance Bureau of Canada (IBC) reported that auto theft claim costs across Alberta increased by 65% between 2021 and 2024, with Edmonton hit especially hard, seeing a 79% spike in claim costs.
Yes, car insurance is mandatory across Alberta. Since auto insurance is regulated by the provincial government, you need a valid policy no matter where you live. In fact, you can’t register your vehicle in Alberta without proof of up-to-date insurance.
To be considered valid, your car insurance policy must meet the province’s minimum requirements. That includes at least $200,000 in third-party liability coverage, which helps cover damages if you’re responsible for an accident.
Your policy also needs to include accident benefits coverage (to help with medical costs and lost income after a crash) and direct compensation-property damage coverage (to help pay for repairs if you’re not at fault).
Car insurance is required in order to legally drive a vehicle on the road in Edmonton. It is designed to protect you, your passengers, and fellow drivers, whether you lease, finance, or own your vehicle.
While some types of coverage are required to be on your auto insurance policy in Edmonton, there are also optional coverage types that many people choose to add for more peace of mind and protection. Below are some of the most popular types of coverage options available:
Third party liability coverage
Accident benefits coverage
Direct compensation - property damage coverage
Uninsured automobile coverage
Comprehensive coverage
Accident forgiveness coverage
Waiver of depreciation
Loss of use coverage
Collision insurance coverage
Third-party liability coverage is an essential part of any car insurance policy. This is in place to protect you and all other drivers on the road. Third-party liability coverage will protect you if you happen to get into an accident in which you are at fault. It will cover the costs of damages to another person’s property and/or bodily injuries. This coverage may also help to cover any legal fees you might incur as a result of an accident.
Unfortunately, the costs associated with a car accident don’t end right after the initial accident occurs. This coverage will protect you if you, or any other person, is injured in a car accident, regardless of fault. It can cover the costs associated with medical or rehabilitative attention, income replacement, or any other services needed for recovery following the accident.
This coverage option will help to compensate you when you or your car is damaged in an accident in which you are not at fault. It is called ‘direct compensation’ because you deal directly with your car insurance provider to acquire any compensation following your claim.
Sadly, not everyone on the road is a responsible driver. Even though auto insurance is mandatory in Edmonton and throughout the whole country, some people choose to get behind the wheel without a car insurance policy. Uninsured automobile coverage can protect you and any of your passengers if you are involved in an accident with a driver who is at fault and is either uninsured, underinsured, or it's a hit-and-run.
A car accident is not the only risk that you can face if you own or operate a vehicle. You may find that your car becomes damaged due to things like fires, theft, vandalism, bad weather or water damage. Comprehensive coverage can protect you in the event of any of those things.
One more type of optional car insurance coverage popular among Edmonton drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim.
If you are in the market for a brand-new vehicle, this coverage is definitely something that you should consider having on your policy. Waiver of depreciation coverage covers you for the value of your vehicle without depreciation.
In the event of a theft or total loss claim, you’ll be reimbursed for the full value of the car, effective from the date when you drove it off the lot.
Loss of use coverage helps cover the cost of getting around while your car is in the shop after an accident. If your vehicle needs repairs for a week, you might need to rent a car or take taxis, and this coverage will reimburse you for those expenses, up to your policy limit.
Collision coverage helps out if your car gets seriously damaged in an accident. Whether you hit another vehicle, an animal, or something like a median or lamppost, this coverage helps cover the repair or replacement costs, no matter who’s at fault for the accident.
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Not happy with your car insurance rates? Edmonton BrokerLink has your back. Our advisors are here to make sure you get the best experience, and that includes finding you the best car insurance price. With a BrokerLink expert on your side, you’ll have someone who truly understands both your needs and your coverage.
Nobody likes overpaying for anything, and the good news is you have some control over what you pay for car insurance. Here are a few ways to lower your premium and save money
Many car insurance providers offer discounts if you bundle multiple policies together under the same provider. Do you already have home or tenant insurance? You can bundle that with your auto insurance policy.
Also, if you have more than one vehicle, such as another car, motorcycle, ATV, or RV, insuring them together under the same provider can save you money with a multi-vehicle discount.
Some car insurance companies in Alberta offer telematics or usage-based insurance, which monitors your driving habits (e.g., speed, braking, acceleration, distance travelled, etc.). If you demonstrate safe driving practices, it can lead to discounts, making this a great option if you’re a cautious driver.
Switching to winter tires each year could save you up to 5% on your Edmonton car insurance, depending on your provider. Since winter tires give you better traction and control on icy roads, they help reduce the risk of accidents. Plus, staying safer on Edmonton’s snowy streets is always a good idea!
If you don’t put many kilometres on your car each year, you might qualify for a low-mileage discount. Most insurers set the limit at around 11,000 km per year, so if you work from home or don’t drive often, you may be able to save on your Edmonton premiums.
Some defensive driving courses can get you a discount on your Edmonton car insurance. Before signing up, check with your provider to see which courses qualify. New drivers in Edmonton, in particular, can benefit since these courses not only help lower auto insurance costs but also improve driving skills, reducing the risk of future claims.
Thinking about going green with a hybrid or electric car? It could also help you save on car insurance! Many Canadian insurers offer discounts for eco-friendly vehicles, so along with cutting down on fuel costs, you might see a nice drop in your car insurance premium, too.
One of the best ways to lower your car insurance costs in Edmonton is to shop around. With BrokerLink, you can compare multiple quotes side by side and find the best price. Our Alberta-based brokers can also help you explore coverage options, discounts, and other ways to save.
Brokers are experts at finding you the best car insurance discounts, and new savings opportunities pop up all the time. Whether you're a new or existing customer, you might qualify for discounts like loyalty rewards, claims-free benefits, multi-vehicle savings, family discounts, or even deals for students away at university. It never hurts to ask your Edmonton car insurance broker!
Choosing a higher deductible can help lower your premium. For example, if your collision coverage has a $250 deductible, increasing it to $500 or even $1,000 can bring your monthly costs down. Just be sure to pick an amount you’re comfortable paying out-of-pocket if you ever need to file a claim.
Did you know that paying your Edmonton car insurance in one lump sum could save you money? While monthly payments might seem easier to manage, they often come with extra administrative fees. Choosing an annual payment helps you avoid those extra costs and keeps more cash in your pocket.
The type of car you drive has a big impact on auto insurance costs. Vehicles with strong safety ratings, affordable repair costs, and advanced security features are generally cheaper to insure. If you’re shopping for a new car, keep insurance rates in mind. Also, be aware of the most commonly stolen vehicles in Alberta, as cars with high theft rates often come with higher premiums.
It’s a good idea to review your car insurance policy every year to make sure it still makes sense for you. If you’re driving an older car, certain coverages, like collision or comprehensive, might cost more than they’re worth.
If you're not sure what to keep, contact a BrokerLink insurance advisor. We can review your policy and help you decide what’s best for your car, budget, and driving habits.
Every single auto insurance policy in Edmonton will have a different cost. This is because many factors influence each driver's insurance rate. Plus, not all car insurance companies weigh their factors the same, meaning two people with the same age, car, and driving record will still be presented with different insurance rates in Alberta.
Here are a few of the most common factors car insurance companies consider when determining rates in Edmonton:
Drivers who are younger tend to have much higher premium rates. This is because they fall into a demographic with less driving experience and statistically more accidents. But, as you age and gain more experience on the road, your auto insurance rate will most likely go down.
Also, car insurance companies take your gender into consideration. This is because it has been statistically proven that male drivers are more likely to engage in risky driving behaviours and be involved in car accidents than female drivers.
Did you know that having a good driving record can actually save you money? This is because insurance providers will see you as a low-risk customer. On the other hand, having a bad driving record with multiple driving infractions can make your premiums go up significantly. According to the Edmonton Police Service's Annual Report, they laid more than 20,000 speeding charges and 2,060 impaired driving charges in 2024.
The area in which you live can affect the price of your premium. For example, areas with higher collision and vehicle theft rates tend to face higher premiums. Between January and September 2024, Edmonton averaged over 75 collisions a day.
Edmonton’s premium rates tend to be more expensive compared to other cities in Alberta, so your premium will most likely cost more here than in other areas of the province.
You might not think your marital status has anything to do with your driving, but insurance companies see it differently. Data shows a difference between married and non-married drivers, so insurers factor that in when calculating your rates. Plus, if you and your spouse live together, you might qualify for a multi-vehicle or multi-policy discount, which could help you save on your insurance.
Some types of cars just cost more to insure than others. This is because some cars are more prone to theft, and some have more expensive and/or less common parts, making them more expensive to repair or replace if they are damaged or stolen. For example, according to the Équité Association, the most stolen vehicles in Alberta in 2023 included the Chevrolet/GMC Silverado/Sierra 2500 series and 1500 series, and the Dodge Ram 1500 series.
The amount of coverage you choose for your car also directly affects your premium. Basically, the more coverage you add on, like collision or comprehensive coverage, the higher your rates will be. And with over 20,000 collisions in Edmonton in 2024, and a 79% increase in auto theft claims over the past four years, adding those two optional coverages to your policy is now almost essential.
If you’ve made a lot of car insurance claims in the past, your insurer might see you as a higher risk, which could lead to higher rates. However, if you have a clean claims history, you might qualify for lower auto insurance premiums.
Are you looking for cheaper car insurance in Edmonton? A BrokerLink insurance advisor can help! Here at BrokerLink, we go through our clients' individual information to make sure that they receive all of the possible savings offered for their circumstances. We’ll then compare quotes from top insurers in Edmonton to find a car insurance premium that fits your budget.
Finding the right insurance can feel overwhelming, but working with an Edmonton insurance broker makes the process easier and helps you save money. Here’s how a BrokerLink expert can help:
Everyone’s insurance needs are different, and a broker takes the time to understand what matters most to you. Whether you’re looking for coverage for your car, home, business, or even a recreational vehicle, a broker can tailor a policy that fits your lifestyle and budget. Plus, since brokers aren’t tied to just one insurer, they shop around and compare quotes to find you the best deal.
Insurance policies can be complicated, but a broker simplifies the process. They’ll break down your options, explain what’s required, and help you choose the right coverage, so you’re not overpaying for things you don’t need or missing out on important protection. Whether you’re getting a new policy or reviewing your current one, a broker makes sure you’re fully covered.
At BrokerLink, we’re part of the Edmonton community. We understand local driving conditions, crime rates, and other factors that can affect your insurance. That means that whether you live in Ellerslie, Horse Hill, Jasper Place, Scona, Whitemud, or just right downtown Edmonton, we can help you find coverage that truly fits your needs.
With a BrokerLink broker, you get expert advice, personalized service, and the best coverage options, all at no extra cost. Contact BrokerLink to be paired with your Edmonton BrokerLink insurance broker today.
Nowadays, there are a ton of different options out there for you, which can make finding the right policy quite difficult and confusing. Thankfully, using an insurance broker can help to simplify this process and allow you to better understand all of your options and find a plan that perfectly fits all of your needs. As one of the largest insurance brokerages in Canada, you can have the confidence that we are reliable.
Ready to receive your free car insurance quote in Edmonton? Contact BrokerLink today. You can reach us by phone, email, or in person at any one of our locations throughout Alberta. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.
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Driving without car insurance comes with serious consequences in Edmonton. First-time offenders face a fine of up to $10,000. For repeat offenders, fines can go up to $20,000 with potential jail time of up to 60 days. Your vehicle may also be immediately impounded, and your licence may be temporarily suspended. Further, once caught driving without insurance, insurers may see you as a high-risk driver, meaning higher premiums or even difficulty getting insured in the future. All-in-all, it's not worth the risk. Contact an Edmonton insurance broker to get the coverage you need.
The best way to lower your car insurance costs is by shopping around and comparing quotes from different providers. Each insurer calculates risk differently, so rates can vary. Working with a broker can save you time by letting them do the comparison shopping for you. Brokers also know about discounts you may not be aware of, like bundling policies, winter tire savings, student discounts, and more.
Only if you have comprehensive coverage. Given Edmonton’s high vehicle theft rates, adding this coverage is likely a good idea. Talk to your insurance broker about adding comprehensive coverage to your policy if you don't currently have it.
One of the easiest ways to save on auto insurance in Edmonton is by being a safe driver. The better your driving habits, the lower the risk, and insurance companies reward that with lower premiums. You can also cut costs by bundling multiple policies, using snow tires in the winter, or signing up for a usage-based insurance program that tracks your driving and offers discounts for safe behaviour.
Yes, in Alberta, insurers can use your credit score to determine your premium. But they can only use it with your permission. A good credit score could help lower your rate, but if you prefer not to share it, you can choose to opt out.
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