Alberta Car Insurance

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Driving in Alberta is a one-of-a-kind experience, where you can see mountains, forests, lakes and plains, all in one province. In addition to the beautiful nature Alberta has to offer, you can also live the city life in Calgary or Edmonton.

Whether you're navigating Calgary's Deerfoot Trail during rush hour, crossing the High Level Bridge in Edmonton, or exploring the Icefields Parkway on a road trip, Alberta's diverse roads require strong, tailored car insurance coverage. BrokerLink can help with that.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is car insurance in Alberta?

Alberta car insurance is a policy tailored specifically for drivers in Alberta that takes into account the province’s unique driving conditions. From navigating icy highways in the winter to dealing with sudden hailstorms in the summer, plus frequent wildfires up in the northern and central parts of the province, Alberta drivers face some of the toughest weather in the country, which means they need a policy that truly reflects that.

Throw in long highway stretches, heavy commuter traffic around cities like Calgary and Edmonton, and rural roads with wildlife crossings, and it’s easy to see why Alberta drivers need a comprehensive policy that’s designed to protect them from all of these risks and more.

Why do you need car insurance in Alberta?

Auto insurance is mandatory everywhere in Alberta, which means driving without it is illegal. If caught driving without a valid policy, you could face several consequences, including fines, jail time, and a suspended license. More specifically, uninsured motorists can be fined between $2,500 and $10,000 for a first offence in Alberta. Failure to pay this fine can result in jail time ranging from 45 days to 6 months.

For a second offence, the minimum fine for driving without insurance goes up to $5,000, and the maximum fine is $20,000. Again, failure to pay this fine can result in jail time lasting anywhere between 60 days and 6 months. Calgary Police and Alberta RCMP routinely conduct vehicle insurance checks, especially near major commuter routes like Anthony Henday Drive and Macleod Trail. In fact, a stop check performed by Evansburg RCMP found several motorists driving without proper insurance or vehicle registration over the course of a weekend in October 2023.

What types of auto insurance are available in Alberta?

In Alberta, all drivers need car insurance. According to the Insurance Bureau of Canada (IBC), there are three mandatory car insurance coverages you legally need to carry in Alberta. However, many drivers feel that standard coverage isn't enough, and they choose to add optional coverage to their policy for more protection on the road. Below are the types of car insurance coverage you'll commonly find in an Alberta car insurance policy.

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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. While the minimum liability coverage limit varies by province, in Alberta, you must carry at least $200,000.

Accident benefits coverage applies regardless of who is at fault. It will cover medical expenses for you, your passenger(s), or even pedestrians that result from a car accident. The vast majority of drivers in Alberta opt for at least $1,000,000 in coverage.

DCPD coverage helps pay for damage to your car if you’re involved in an accident that wasn’t your fault. It allows you to receive compensation through your own insurance company, speeding up the claims process.

Optional collision coverage will take effect if you are involved in an accident with another vehicle or a stationary object, like a tree or guardrail. Collision coverage will help cover the costs to repair or replace your own vehicle, whether you are at fault or not.

This type of optional coverage is one of the most extensive types of coverage offered in Alberta. Comprehensive coverage helps cover damage caused by situations outside of a collision. These events can include theft, fire, vandalism, weather damage, falling objects, and even wildlife.

One more type of optional car insurance coverage popular among Alberta 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.

Buying a new vehicle feels great, and the last thing you want is to lose thousands if it gets stolen or written off. With a waiver of depreciation, Alberta drivers can recover the full price they paid for their new car instead of its reduced market value. It’s peace of mind for anyone driving off the lot in Calgary, Edmonton, or beyond, knowing that your investment is fully protected during those first few years.

Life doesn’t stop just because your car is in the shop. Loss of use coverage helps cover the cost of getting around while repairs are being made. In Alberta, that might mean renting a vehicle for your daily highway commute, catching a cab on a snowy evening, or using ride-sharing for those quick trips around town.

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How can you save money on Alberta car insurance?

Car insurance can be expensive, but it doesn’t have to be. When you partner with BrokerLink, we will ensure you find a policy that doesn’t break the bank. We work tirelessly to unlock discounts on your behalf, ensuring you find the best car insurance coverage at the most affordable price. Plus, as car insurance experts, our insurance advisors are always happy to provide their best-kept secrets for saving money on auto insurance. Below, you'll find a list of BrokerLink’s top tips and tricks for finding cheap car insurance in Alberta.

Discounts

Bundle different insurance policies

Bundling car and home insurance is a great way to get cheap Alberta car insurance. In fact, the more insurance you bundle with a single provider, the more likely they are to give you a discount. So if you’re also looking for homeowners insurance, tenant insurance, or insurance for leisure items like a cottage, boat, or ATV, consider finding a provider that sells multiple kinds of insurance and buying all your policies from them. Doing so could save you up to 15% per policy.

Insure multiple vehicles together

If someone else in your household owns a vehicle, such as your spouse or adult child, insuring them together can save you money. Insuring multiple vehicles with the same insurance provider may result in a discount of between 15% and 20% per policy.

Install winter tires on your vehicle

Alberta winters are world-renowned. Known for freezing temperatures, snow, and ice, driving in the winter is infinitely more dangerous than driving in the summer in Alberta. For this reason, insurance companies offer discounts to drivers who install winter tires on their cars.

Snow tires are known for having superior capabilities, like traction in winter weather. Therefore, when you equip your vehicle with them, you significantly reduce the odds of getting into an accident. Alberta insurance companies recognize this and may reward you with savings of up to 5% on your auto insurance policy.

Purchase a hybrid or electric vehicle

Buying an eco-friendly vehicle may save you money on your Alberta car insurance policy. To incentivize drivers to reduce their carbon footprint, some Canadian auto insurance providers offer discounts to those who drive hybrid or electric vehicles. By purchasing an electric vehicle, you could save money at both the gas pump and on car insurance.

Enrol in driving school

Enrolling in an approved driving school in Alberta can save you money on your car insurance. Insurance companies know that formal driving schools produce skilled, safe drivers who are more likely to follow the rules of the road. For these reasons, they offer discounts to young drivers who can prove they graduated from an approved driving program. Since new drivers often pay the highest premiums, receiving formal instruction from a professional may be worth it from both an educational and a financial perspective.

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Increase your deductible

The higher your deductible, the lower your premium. This is true for any type of insurance. Therefore, if you’re looking to pay less for Alberta auto insurance, one way to do that is by increasing your deductible. The average car insurance deductible in Alberta is $500. By raising your deductible to $1,000 or more, you could save money on your Alberta car insurance policy. That said, increasing your deductible has both pros and cons. If you are considering raising your policy deductible, speak with a BrokerLink insurance advisor to learn more about the possible impacts of this decision.

Choose annual over monthly payments

One quick way to save money on Alberta car insurance is by paying for your policy annually rather than monthly. Monthly or quarterly insurance payments almost always cost more down the road as insurance companies tack on administrative fees for each payment.

What factors determine Alberta car insurance rates?

Alberta drivers might be surprised to learn how many factors are used to determine Alberta car insurance rates. Insurance companies throughout Canada consider a wide range of details when calculating insurance premiums. Some of these factors are within a driver’s control, like their claims history or the vehicle they drive, while others are not, such as their age or gender.

Alberta drivers might find it useful to understand which details matter when it comes to Alberta car insurance rates. Below is a list of some of the most important factors impacting the cost of auto insurance in Alberta.

Driving history

The first and most important factor used to determine one’s insurance premium is driving history. Driving history is a combination of a person’s driving experience and driving record. Having ample driving experience is usually a positive attribute. It is a lack of driving experience that raises the car insurance premiums for young drivers.

However, driving experience will only work to your advantage if it is coupled with a clean driving record. If you drive the speed limit and obey the rules of the road, you are likely to have a clean driving record, and the insurance company may reward you accordingly.

However, if you frequently speed, drive recklessly, or drive under the influence of drugs or alcohol, your driving record may be poor. Drivers with records that are filled with infractions, speeding tickets, collisions, and DUIs typically pay more for car insurance. Therefore, the best thing you can do to reduce how much you pay for Alberta car insurance is to drive safely and responsibly.

Age

From an insurance company’s perspective, there is a direct correlation between age and risk level, which is why age is such an important factor in determining auto insurance rates. Insurance companies believe that the younger a driver is, the less driving experience they have, and the greater risk they pose on the road. This is why new drivers in Alberta often pay the most for auto insurance. Another age group impacted is the elderly, with seniors often paying higher rates for car insurance in the province.

Location

Location is another factor that can impact your Alberta auto insurance premium. That is why, when calculating your auto insurance rate, an insurance provider will ask for your address. Where you drive your vehicle indicates your risk level.

Drivers who live in populous metropolitan areas, such as Calgary or Edmonton, are more likely to get into accidents because there is more traffic on the road. In fact, 2024 marked the highest number of fatal road collisions in Calgary in over a decade, with 29 fatal traffic collisions, according to the CBC.

On the other hand, drivers who live in rural parts of the province with less traffic are considered less likely to get into an accident and may receive a reduced insurance rate because of it.

Finally, if you live or work in a part of Alberta prone to climate-related incidents, your insurance premium may also be affected. For example, if you spend a lot of time along Hailstorm Alley, which the IBC says unofficially runs from High River up to central Alberta, insurance companies may factor in that you're more likely to file a comprehensive claim for hail damage.

Vehicle make, model, and year

The details of the vehicle you drive can also influence how much your Alberta car insurance policy costs. When determining your premium, an insurance provider will ask for the make, model, and year of your vehicle. Generally speaking, newer, more expensive cars cost more to insure. This is because if such cars are damaged in an accident or stolen, they would cost more to replace or repair.

As we mentioned earlier, auto theft is a major concern in Alberta. According to the Équité Association’s 2024 Auto Theft Trend Report, 28% of all vehicles stolen in the province were from 2017 or newer. This is a shift from previous years, when older vehicles, particularly trucks, were the main targets. Now, auto thieves in Alberta are turning their focus toward newer, higher-value vehicles.

That said, if your newer or more expensive vehicle has built-in anti-theft systems or extra safety features, it may help lower your premium. But in most cases, older or more affordable vehicles tend to be cheaper to insure than luxury or high-performance models.

How frequently you drive your vehicle

How much time you spend on the road is another factor that can influence Alberta car insurance costs. If you're regularly commuting long distances on major highways like Highway 2 between Calgary and Edmonton, Highway 63 to Fort McMurray, or Highway 1 out toward Banff and Canmore, your risk of being in an accident increases, especially if you're spending some of that time driving at night. That higher risk can lead to a higher premium.

On the other hand, if you’re more of a weekend driver or just use your car for short errands around town, your chances of getting into an accident are lower, and your insurance rate could be, too. If you're putting fewer kilometres on your vehicle than the average driver, let your broker know. In many cases, low-mileage drivers may qualify for discounted or lower rates.

Marital status

Last but not least, a driver’s marital status can impact their Alberta car insurance rate. Data suggests that married people are more responsible and financially stable, which car insurance companies may take into consideration when calculating insurance costs.

What are the benefits of Alberta car insurance?

Car insurance is mandatory in Alberta for a reason. It offers protection to drivers, passengers, and other cars on the road. With valid auto insurance, you can be protected in a wide range of circumstances. Some of the benefits that come with purchasing Alberta car insurance can be found below.

You are protected in case of bodily injury

If you are injured in a car accident, auto insurance will come in handy. Even the most basic car insurance plans cover bodily injury in Alberta. So if you or someone else involved in the accident requires medical attention following the collision, your own insurance company will help you cover the costs of care. Specifically, your insurance provider may help pay for medical expenses not covered by your Alberta Health Care Insurance Plan (AHCIP), such as prescription medications, rehabilitation, or physical therapy.

You are protected in the event of an accident

No matter how safely you drive or where you live in Alberta, car accidents can happen. In fact, accidents spike during the winter in Alberta, where heavy snow and icy roads lead to increased collision rates throughout the province. Having car insurance helps mitigate these seasonal risks.

With Alberta auto insurance, you’ll be protected from the financial ramifications of an accident. For example, most car insurance plans will cover the cost of repairing or replacing your vehicle if it is damaged in an accident.

You are protected against theft

Depending on the auto insurance plan you choose, your Alberta vehicle may be covered for theft, which remains a major problem in Canada. According to the IBC, auto theft claim costs in Alberta rose by 55% between 2021 and 2023, with Edmonton experiencing the highest increase at 65%. But even though theft rates are starting to drop nationally, the CBC reports Alberta still has the highest rate of stolen vehicles per capita in the country, making comprehensive coverage essential for Alberta drivers.

Comprehensive coverage is an optional insurance coverage available to Alberta residents. This type of coverage protects drivers from all kinds of circumstances apart from collisions. Under this portion of your policy, you can be protected against damage caused by vandalism, fire, floods, and falling objects, as well as theft.

This coverage is also especially valuable during Alberta’s hail season, as Calgary often ranks among Canada’s top cities for hailstorm damage, with major events costing insurers millions. In fact, according to the IBC, the 2024 Calgary hailstorm resulted in nearly $2.8 billion in insured damage, making it the second-costliest insured event in Canada’s history.

You are in compliance with the law

Lastly, Alberta drivers can benefit from purchasing car insurance because it puts them in compliance with the law. As mentioned earlier, car insurance is compulsory in Alberta, and driving without it can result in expensive fines and jail time. Avoid these pitfalls by purchasing auto insurance that meets the minimum requirements set by the Government of Alberta.

What are some tips for young drivers in Alberta?

Learning to drive is no easy task. After all, driving is a skill, and all skills require time and patience to master. If you’re a new driver in Alberta, check out the tips below.

Slow down

We get it. Being behind the wheel can feel exhilarating. But you must not let that adrenaline rush go to your head. Speeding is one of the leading causes of fatal collisions in Canada, and it comes with significant fines in Alberta.

The slower you drive, the less likely you are to get into a collision. That’s why it’s important to always drive the speed limit and never rush when accelerating, braking, turning, parking, or changing lanes.

In fact, there are even times when we recommend driving below the speed limit. These include when you’re driving:

In poor weather like fog, rain, or snow
At night when visibility is reduced
Through a construction zone
In an area with heavy foot traffic

Be aware of your surroundings

Part of driving smart is about being aware of your surroundings. Be sure to:

Watch for cars, pedestrians, and road hazards at all times
Check your rear-view and side mirrors often to stay alert
Scan all lanes ahead instead of only focusing on the car in front

The more aware you are of your surroundings, the less likely you are to be caught off guard by an accident.

Enrol in driving school

Enrolling in an accredited Alberta driving school can be a valuable tool for new drivers. It can help you:

Learn Alberta’s road rules in a structured way.
Get behind-the-wheel practice with a qualified instructor, not just family members.
Build confidence through professional feedback and safe practice.
Potentially qualify for a discount on your Alberta car insurance.

Leave ample space

Keeping your distance from other vehicles is one of the easiest ways to lower your chances of an accident. In Alberta, the official guideline is to follow at least two seconds behind the car in front of you under normal conditions. But on busy highways, like around Calgary or Edmonton, you’ll want to leave even more room between your car and the one ahead to allow for more stopping distance.

Leaving space gives you more time to react if something unexpected happens. It allows you to brake suddenly without hitting another vehicle or pedestrian, and it gives you enough room to steer out of danger if needed. For example, if you’re rear-ended at an intersection, that extra buffer room could prevent your car from being pushed into the vehicle in front of you, preventing even greater damage.

Minimize distractions

Distracted driving has become a major problem in Canada. In fact, it’s one of the leading causes of collisions across the country. Distracted drivers in Alberta face a penalty of three demerit points on their licence and a $300 fine.

Examples of common distractions include:

Texting or emailing
Programming your GPS
Scrolling through your playlist
Eating or drinking
Personal grooming (e.g., applying makeup, shaving, styling hair, etc.)

Basically, anything that takes your attention away from the road is a distraction that should be avoided at all costs. So finish your drink or snack, set your GPS, tune the radio to a station you like, and put your phone somewhere you can’t access it before putting the vehicle in drive.

Why work with an Alberta insurance broker?

Partnering with a reputable insurance broker is one of the smartest decisions you can make as a driver in Alberta. When you partner with a broker, you’ll have a car insurance expert at your fingertips, working day and night to find an Alberta car insurance policy that meets your needs. Plus, you can save time and money by enlisting the help of a broker. Keep reading to learn more about what an Alberta insurance broker can offer you.

Brokers work independently

Did you know that Alberta insurance brokers work independently of insurance companies? That’s right, BrokerLink does not work for an insurance company, which allows us to focus on our customers’ needs. Our expert insurance advisors put the customer above all else, taking the time to understand their needs, lifestyle, and budget. Since we work independently, you can always count on us to offer unbiased, objective advice on the best policy for you and your family.

Brokers do the work for you

Yet another reason to work with an Alberta insurance broker is that they do the work for you. From the moment you contact BrokerLink, you will be assigned a dedicated insurance advisor who will work tirelessly to obtain quotes, compare coverage options, and unlock discounts on your behalf. Meanwhile, you can sit back, relax, and spend your free time exactly how you want to be spending it. We will get in touch with multiple policy options for you to choose from in no time.

BrokerLink brokers are car insurance experts

BrokerLink has been in business since 1991, which means we have over 30 years of experience matching Alberta drivers with quality car insurance policies. We are eager to share our resources and expertise with our customers.

How do you get car insurance in Alberta?

Finding the right car insurance coverage for you couldn’t be easier - thanks to BrokerLink! Follow the steps below to find a competitive and affordable Alberta auto insurance policy.

1. Contact an insurance broker

The first step to finding the best coverage at a competitive rate is calling an insurance broker. When you contact BrokerLink, we will take the time to get to know you and learn about your unique circumstances.

2. We shop around for you

Shopping around is key to finding the right insurance policy, but it can be tedious. Luckily, when you contact a BrokerLink broker, we will shop around on your behalf. We will contact Canada’s top car insurance providers to determine which one has the best car insurance rate for you.

3. You get a great rate

All BrokerLink insurance advisors are licensed insurance experts. This means we know where to find the best deals. We will give you a few policy options to choose from, and you can pick which one is right for you.

Looking for a free Alberta auto insurance quote? Contact BrokerLink today

Still have questions about Alberta car insurance? Do you want to learn more about how much car insurance costs in Alberta? BrokerLink is here. Contact us by phone, email, or in person at one of our many locations throughout Alberta, and one of our insurance advisors will be pleased to assist you.

You can also request a free car insurance quote using our online calculator. After providing some basic information about yourself, your vehicle, and the type of coverage you require, you will receive an accurate and competitive quote within minutes. It’s that simple! So what are you waiting for? Begin your Alberta auto insurance journey by contacting BrokerLink today.

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

Alberta drivers are required to have at least $200,000 in third-party liability, accident benefits, and direct compensation-property damage (DCPD) coverage. However, most drivers have at least $1,000,000 in liability coverage, and many opt for more.

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

Basic auto insurance in Alberta covers damage you might cause to another vehicle, costs associated with any injuries that take place, and the cost of any liability actions taken against you.

What areas in Alberta have the highest car insurance rates?

Cities like Calgary and Edmonton tend to have the highest premiums in Alberta due to higher traffic volumes, more collisions, and increased vehicle theft. When it comes to calculating your auto insurance rates, living in a dense or high-claim area can drive your rates up.

Does living in Calgary or Edmonton increase my auto insurance premiums?

Generally, yes. Urban areas like Calgary and Edmonton often see more collisions, thefts, and insurance claims, which can push overall premiums for the area higher. Living in certain postal codes within these cities may also affect your rate.

Is winter tire use mandatory in Alberta for car insurance discounts?

They’re only mandatory if you’re trying to get a winter tire discount. If you use winter tires annually, be sure to let your insurance company or broker know to qualify for that discount.

Does car insurance in Alberta cover wildlife collisions?

Yes, as long as you have comprehensive coverage. Wildlife collisions in Alberta are common on highways, especially in rural areas. Comprehensive coverage can help with repair costs if you hit a deer, moose, or other animal.

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

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

Is car insurance mandatory in Alberta?

Yes. Auto insurance is provincially regulated, and the Government of Alberta has made it mandatory. This means that no matter where you live in the province, from Calgary to Edmonton to Red Deer, you will need a valid auto insurance policy to get behind the wheel. You even need it to register your vehicle.

How does Alberta’s hail season affect my comprehensive car insurance?

Premiums are often higher in Alberta if you have comprehensive car coverage because hailstorms regularly cause costly vehicle damage. Cities like Calgary and Airdrie are especially prone to severe summer hail, so insurance companies factor that risk into their rates. But while you may pay more for coverage in these regions, it ensures your vehicle is protected if the next storm leaves behind dents, cracked windshields, or broken glass.

Can I get auto insurance coverage for wildfires or flood damage in Alberta?

Generally, yes. According to the government of Alberta, comprehensive car coverage usually covers wildfire and flood damage to your vehicle in Alberta. Check your policy or contact your insurance broker to find out if you qualify for this coverage.

Are premiums higher in rural Alberta than in urban areas?

Not usually. In fact, rural areas often have lower premiums because there's less traffic and fewer claims. However, rates can vary depending on local risks, such as wildlife collisions or access to emergency services.

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

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

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

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

Basic auto insurance in Alberta covers damage you might cause to another vehicle, costs associated with any injuries that take place, and the cost of any liability actions taken against you.

Is car insurance mandatory in Alberta?

What areas in Alberta have the highest car insurance rates?

How does Alberta’s hail season affect my comprehensive car insurance?

Does living in Calgary or Edmonton increase my auto insurance premiums?

Can I get auto insurance coverage for wildfires or flood damage in Alberta?

Is winter tire use mandatory in Alberta for car insurance discounts?

They’re only mandatory if you’re trying to get a winter tire discount. If you use winter tires annually, be sure to let your insurance company or broker know to qualify for that discount.

Are premiums higher in rural Alberta than in urban areas?

Does car insurance in Alberta cover wildlife collisions?

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Alberta Car Insurance

What is car insurance in Alberta?

Why do you need car insurance in Alberta?

What types of auto insurance are available in Alberta?

Third-party liability coverage

Accident benefits coverage

Direct compensation-property damage coverage (DCPD)

Collision coverage

Comprehensive coverage

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

Third-party liability coverage

Accident benefits coverage

Direct compensation-property damage coverage (DCPD)

Collision coverage

Comprehensive coverage

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

Why BrokerLink

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Our numbers speak for themselves

How can you save money on Alberta car insurance?

Discounts

Bundle different insurance policies

Insure multiple vehicles together

Install winter tires on your vehicle

Purchase a hybrid or electric vehicle

Enrol in driving school

Savings Options

Increase your deductible

Choose annual over monthly payments

What factors determine Alberta car insurance rates?

Driving history

Age

Location

Vehicle make, model, and year

How frequently you drive your vehicle

Marital status

What are the benefits of Alberta car insurance?

You are protected in case of bodily injury

You are protected in the event of an accident

You are protected against theft

You are in compliance with the law

What are some tips for young drivers in Alberta?

Slow down

Be aware of your surroundings

Enrol in driving school

Leave ample space

Minimize distractions

Why work with an Alberta insurance broker?

Brokers work independently

Brokers do the work for you

BrokerLink brokers are car insurance experts

How do you get car insurance in Alberta?

1. Contact an insurance broker

2. We shop around for you

3. You get a great rate

Looking for a free Alberta auto insurance quote? Contact BrokerLink today

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