Compare auto insurance across 26 Alberta cities. Provincial average: CA$150/month (CA$1,800/year). Insurance system: private. Regulator: AIC.
Alberta operates a private insurance system regulated by AIC. All drivers must carry minimum Third-Party Liability of CA$200,000. The mandatory coverage package includes Accident Benefits, Standard Accident Benefits, and SEF 44 (Family Protection Endorsement).
Alberta's 2024 premium cap of 7.5% per annual renewal period limits carrier increases but does not prevent increases entirely. The provincial government has committed to a no-fault system transition by 2027 — a move that will significantly change how injury claims are compensated and how rates are calculated. Drivers seeking competitive rates should comparison shop before the transition takes full effect.
| Coverage | Description |
|---|---|
| Third-Party Liability | Minimum CA$200,000 required; pays compensation to others for injury or property damage |
| Accident Benefits | Covers medical, rehabilitation, and income replacement benefits for you and your passengers regardless of fault |
| Standard Accident Benefits | Includes additional injury and disability benefits under Alberta's standard benefit schedule |
| SEF 44 (Family Protection Endorsement) | Recommended endorsement protecting against under-insured or uninsured at-fault drivers |
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