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Compare Calgary Car Insurance Quotes

Get personalized Alberta car insurance quotes from Canada's top insurers in less than 5 minutes, for free. You could save hundreds by shopping the market.

How to compare Calgary car insurance quotes with Ratehub.ca

  1. Share information

    Tell us a little about yourself and your Calgary auto coverage needs.

  2. Compare quotes

    We instantly show you Calgary auto insurance quotes from top Canadian providers.

  3. Save money

    Choose your quote and secure your Calgary car insurance rate online.

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How car insurance in Calgary works

Calgary is the fifth most populated city in Canada and by extension home to some of the busiest roadways in Alberta.

Calgary is an urban oasis surrounded by the beauty of the Canadian Rockies which makes for a spectacular drive. But rush hour traffic and heavy road construction can lead to difficult commutes and worst of all, high insurance premiums.

At Ratehub.ca, we help the people of Calgary shop for the best car insurance rates in just minutes to suit their budget and preferences. Currently, the average car insurance cost in Calgary is shy of $1,500, but after the removal the 5% cap insurers had for rate increases, Calgary car insurance premiums are soaring.


Calgary operates in a hybrid system between tort and no-fault insurance. No-fault means drivers use their own insurance company regardless of who is at-fault in an accident. A tort-based system allows you to pursue the other driver for damages. 

Alberta auto insurance is provided by private insurance companies and is regulated by the Auto Insurance Rate Board (AIRB). AIRB ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records. 

Available Calgary car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory Calgary auto insurance coverage includes:

  • Third-party liability
  • Accident benefits 
  • Direct Compensation Property Damage (DCPD) 

Optional Calgary car insurance coverage includes:

  • Collision insurance
  • Comprehensive car insurance
  • Specified perils
  • All perils

There are also optional Standard Endorsement Forms (SEF) which are endorsements you can add to your coverage. Here are 4 common Calgary auto endorsements. 

  • SEF 101 - covers the cost of a rental vehicle while yours is being repaired or replaced
  • SEF 27 - Ports your existing insurance to a rental car or car you borrow
  • SEF 39 - Accident forgiveness - insurance won't go up after your first at-fault claim
  • SEF 43R - Removes depreciation in calculating the value of your car when settling a claim

Mandatory coverage for auto insurance in Calgary

Mandatory insurance is mostly about protecting you from damage you may cause to others and their property. Protecting you personal car is available with optional coverages.

Third-party liability


Accident benefits


Uninsured motorist (MVAC)


Direct Compensation for Property Damage (DCPD)


Optional coverage for auto insurance in Calgary

The below coverages are optional, unless you lease your car and your lessor requires them. Typically, new cars will get the optional coverages.

Collision insurance


Comprehensive


Emergency roadside assistance


Specified perils


All perils


Compare Calgary insurance quotes and uncover the savings

In less than 5 minutes, you can compare multiple quotes from a number of Calgary's top car insurance companies, for free.

Factors that impact your Calgary car insurance rates

It pays to shop around to find cheap car insurance in Calgary. Even though an insurance application is fairly standard you will find that different insurance companies offer different rates based on their existing users, the number of active claims on their fiscal books, and overall risk tolerance calculations. Furthermore, there are several factors beyond your control that impact a risk tolerance calculation, like if you live in an area with higher than average levels of insurance fraud. Here are seven factors auto insurance companies consider before offering personal car insurance in Calgary:

Driver demographics


Where you live


Vehicle type


Driving history


Driving activity


Type of insurance coverage


Applicable discounts


How to get cheap car insurance in Calgary

  1. Shop and compare

    Research which company provides cheap car insurance in Calgary, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Calgary car insurance quotes with us is free.

  2. Stay with your current insurer

    Some Calgary car insurance companies will give loyalty discounts to drivers who remain active with them for years. Especially if they add family members or multiple vehicles to their policy.

  3. Bundle your policies

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.

  4. Get a multi car discount

    If you have multiple drivers and vehicles in the same household, by putting them all on one policy can save you money.

  5. Increase your deductible

    Your deductible is the portion you pay when settling a claim before your insurer will pay the rest. If you’re willing to double your deductible, it could save you money.

  1. Ask about discounts

    If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Calgary car insurance.

  2. Pay premiums annually, instead of monthly

    Paying monthly adds administrative costs to your insurer, so if you’re able to pay in full annually you can lower your premiums.

  3. Maintain a good driving record

    If you’re a safe driver, obey the rules of the road and drive according to road conditions you can reduce your chances of an accident. Car crashes stay on your insurance record for up to ten years and can result in higher premiums.

  4. Install winter tires

    You can save up to 3-5% simply by adding winter tires to your car.

Ready to compare car insurance in Calgary?

You're just a few clicks away from uncovering all the potential savings that come with a better Calgary insurance rate.

Frequently asked questions about car insurance in Calgary, Alberta

How much is car insurance in Calgary?


What are the best insurance companies in Calgary?


Who is the best car insurance broker in Calgary?


Do you need car rental insurance in Calgary?


How do I get car insurance for new drivers in Calgary?


Is there such a thing as month to month car insurance in Calgary?


Does collector car insurance in Calgary exist?


Matt Hands, Business Director of Insurance

With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio

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