Car Insurance in Alberta

Driving in Alberta is a one of a kind experience. In one province you can see mountains, forests, lakes and plains. In addition to the beautiful nature Alberta has to offer, you can also live the city life in Calgary or Edmonton. Alberta has something for everyone, and those who live in this great province are proud to call it home.

When driving in Alberta, it’s important to have the right car insurance. Car insurance in Alberta is mandatory. Not only is insurance a legal requirement – it also protects yourself, your loved ones and other drivers. Keep reading to discover how you can find insurance in Alberta that protects you at a great price.

Get competitive insurance quotes in 5 minutes.

Choose your rate. Get insured. Get on the road.

Alberta’s laws on car insurance

In Alberta, all drivers need car insurance. If you’re caught driving without it, you can face serious penalties including steep fines and a suspended license. There are different types of car insurance you can purchase in Alberta. Below are the mandatory coverages you’ll need to drive in Alberta:

Third party liability

This coverage will protect you if you are responsible for an accident. Some things that third party liability might cover include repair costs for any vehicles or property that might have been damaged, medical costs that result from the accident, legal fees and damages that any injured parties might be entitled to.

Accident benefits coverage

This coverage applies regardless of who is at fault. It will cover medical expenses that result from a car accident.

The vast majority of drivers in Alberta opt for at least $1,000,000 in coverage.

Types of optional car insurance coverage in Alberta

There are additional coverages you can purchase that are not required by law. You might think that the cheapest car insurance possible will save you money. But if an accident occurs, you’ll be happy you opted for more coverage. Paying for the costs associated with an accident can add up quickly. Below are a few of the optional coverages you might want to consider:

Collision coverage

This coverage will take effect if you are involved in an accident with another vehicle or object. Collision coverage will protect your own vehicle whether you are at fault or not.

Specified perils coverage

This is a step above collision coverage. It will protect you against specific damages in addition to collisions with other vehicles or objects. Examples of specified perils include fire and vandalism. This type of coverages varies, so make sure you talk to your broker about what your specific policy includes.

Comprehensive coverage

This type of coverage is one of the most extensive types of coverage offered in Alberta. It will cover things outside of a collision such as theft, vandalism and fire.

Consult with a BrokerLink car insurance expert to learn about all your coverage options in Alberta.

How to get car insurance in Alberta

Getting car insurance in Alberta couldn’t be easier! Follow the steps below to make sure you have the coverage you need.

1. Call an insurance broker

The first step to the best coverage at a great rate is calling an insurance broker. We will take the time to get to know you and learn about your unique circumstances.

2. We shop for you

One of the benefits of going with an insurance broker is we do all the shopping for you. We will look at different insurance companies to determine which one has the best rate for you.

3. You get a great rate

Insurance brokers are licensed insurance experts. That means we know where all the best deals are hiding. We will give you a few great rates to choose from and you can pick what’s best for you.

There are few ways to get started with a BrokerLink broker:

Pro Tip

In Alberta, insurance providers typically review many factors when determining a premium. Some of the factors they consider include: the driver’s location, the car being used and driving record

Get the right car insurance in Alberta

At BrokerLink, we’re here to help you find the right auto insurance for your needs throughout Alberta. Whether you’re in Calgary or Fort McMurray, we can find a plan that fits your needs.

Our friendly insurance brokers will assist you in assessing your needs before providing you with competitive Alberta car insurance quotes to make sure you’re getting the right coverage. We insure small cars, big dually diesel trucks, family minivans, convertibles, SUVs and motorcycles. After all, we’re insurance experts – it’s what we do. We take pride in creating custom automobile insurance policies at the best rates possible. Give us a call today and see what we can do for you.


What is the minimum car insurance required by Alberta’s laws?

By law, Alberta drivers are required to have third party liability and accident benefits coverage. Most drivers have at least $1,000,000 in coverage, and many opt for more.

Can I get additional coverage on top of my basic car insurance policy?

Yes, you can get additional coverage. Some additional coverages to consider include collision, specified perils and comprehensive.

In Alberta, what does a basic car insurance policy cover?

If you go with the average coverage a broker would recommend, you will be covered for damage to your vehicle, damage you might cause to another vehicle, costs associated with any injuries that take place and the cost of any liability action taken against you. However, every policy is different. Be sure to talk to your broker and review your insurance documents to see what is included in your policy.

More Ways to Find a Great Rate

Car insurance quotes by driver:

Car insurance quotes by vehicle type:

Car insurance quotes by manufacturer:

Car insurance quotes by province:

Car insurance quotes by city:

Home Insurance in Alberta

If you’re one of the fortunate people who choose to live in Alberta and own y...

Condo Insurance in Alberta

It’s easy to see why some people choose to own condos in resort towns close t...

Tenant & Renters Insurance in Alberta

No matter what attracts you to the area, if you’re renting a house, apartment...