Car insurance St. Albert

All St. Albert motorists are required to have car insurance, as regulated by the province of Alberta. However, finding a car insurance policy that’s right for you is no easy task, especially considering the number of car insurance companies and types of auto insurance coverage out there. That’s where we come in.

Our team of skilled car insurance brokers is always on hand to discuss the coverage options available to you and even provide you with a free quote. We can help you navigate the complicated world of car insurance, ensuring all St. Albert drivers find an insurance policy that suits their needs.

The Benefits of Car Insurance in St. Albert

There are plenty of benefits of having auto insurance. From the peace of mind that comes with knowing you’re protected to complying with the law, here are a few of the main benefits of investing in St. Albert car insurance.

You’re abiding by the law

First and foremost, car insurance is legally mandated in the province of Alberta. This means that you can face serious consequences for driving without insurance.

For a first offense, you can be fined a minimum of $2,875 up to a maximum of $10,000.

For a second offense, there is minimum fine of $5,000 and a maximum fine of $20,000.

You’re protected in the event of injury

Should you injure yourself while driving, your health insurance will likely cover the majority of the medical costs. However, for costs that aren’t covered under your health insurance, such as physical therapy, your auto insurance plan can help.

You’re protected in the event of an accident

Car accidents happen every day and can involve even the safest of drivers. With car insurance, you can rest easy knowing that in the event of an accident, your insurance has got you covered. Depending on the auto insurance policy you choose, your insurance provider will likely help you pay to repair or replace your vehicle, meaning little to no out of pocket costs for you.

You’re protected in the event of damage or theft

Should someone steal your vehicle, having the right auto insurance policy can help. Depending on the coverage you choose, your insurance policy may offer protection against theft and vandalism.

What Affects Your Auto Insurance Rate in St. Albert

Driving History

Driving history is one of the most significant factors that will determine the cost of your car insurance. If your driving record is clean (meaning you drive the speed limit and have never gotten a ticket or been in an accident), you will likely have a lower insurance premium compared to someone who has several tickets or DUIs.


Where you live and work will affect your insurance premium. For example, if you live in or frequently drive to a highly-populated area, an area with a high crime rate, or an area prone to natural disasters, your auto insurance rate may be greater than someone who lives in a safe, rural area.


Your age can influence the cost of car insurance. Young drivers with less experience and elderly drivers may be deemed more at risk than other age groups.

Local Laws

Rules and regulations surrounding auto insurance are set provincially and can affect your car insurance rate. In Alberta, you are required to carry $200,000 in third party liability coverage.

Type of Car

The make and model of your car can also affect your car insurance rate, with new vehicles or sports cars leading to higher insurance premiums.

Get A Free Car Insurance Quote From St. Albert Insurance Brokers

Interested in receiving a free quote on your St. Albert car insurance? You’ve come to the right place! BrokerLink is pleased to offer complimentary, 100% obligation-free quotes to all St. Albert motorists.

Let our team of skilled Insurance Advisors do the work for you. We will work tirelessly to shop around and compare quotes on your behalf, finding you the best car insurance rate and coverage possible.