Skip to main content
Ratehub logo
Ratehub logo

Compare the best car insurance quotes in Calgary & save today

Get personalized car insurance quotes from Calgary's top providers in less than five minutes, free of charge – you can save hundreds by shopping the market with us today.

How to compare Calgary car insurance quotes with

  1. Share information

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

  2. Compare quotes

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

  3. Save money

    Choose your quote and secure your car insurance rate online.

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years


  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

All about car insurance in Calgary

Calgary is the most populated city in Alberta and the fifth-most populated city in Canada. By extension, it's also home to some of the busiest roads across the country. The city is an urban oasis surrounded by the beauty of the Canadian Rockies, making for a spectacular drive. However, rush hour traffic and heavy road construction can lead to difficult commutes – and worst of all, high auto insurance premiums.

Auto insurance in Alberta is a requirement. It's provided by private car insurance companies and regulated by the Automobile Insurance Rate Board (AIRB). The board ensures rate increases are substantiated – simply put, an insurer can't raise rates without prior approval from the regulatory body. Instead, it's based on their financial records. 

The province also operates within a hybrid system which includes components of no-fault insurance and tort-based insurance. No-fault insurance means that you'll recoup funds from your insurer, regardless of fault. However, the hybridity of the system still allows you to sue for damages. 

Read on to learn everything there is to know about auto insurance in Calgary. Plus, when you're ready, be sure to compare personalized car insurance quotes to find your best rate on the market. We can also connect you with a licensed broker who will guide you through the entire process of securing the coverage you need.

Did you know?

As drivers across Alberta continue to pay some of the highest premiums, the government announced a limit of 5% on auto insurance rate hikes for certain good drivers, effective January 2024. Do you qualify as a good driver? Find out by reading our blog linked below. 

more on alberta auto insurance reform

Mandatory Calgary auto insurance coverages

In Calgary, you're required to carry three types of car insurance coverages at a minimum. Here, we cover an overview of each one – third-party liability, accident benefits, and direct compensation for property damage.

Third-party liability

Accident benefits

Direct compensation for property damage

Optional Calgary auto insurance coverages

Aside from the mandatory coverages, you can also add optional coverages to your Calgary car insurance policy. These options are mainly there to help cover the loss and damage of your personal vehicle.



Specified perils

All perils

Emergency roadside assistance

Popular Calgary auto insurance endorsements

To further customize your car insurance, you can also add Standard Endorsement Forms (SEFs) to your policy. While the selection of endorsements may differ depending on the provider you choose, here are some popular options for Calgary drivers.

Compare Calgary car insurance quotes to uncover your savings.

In less than five minutes, compare personalized car insurance quotes from Calgary's top providers – no obligation, free of charge.

How much is car insurance in Calgary?

According to the 2023 Market Report from the Alberta Automobile Insurance Rate Board, the average annual auto insurance premium in Edmonton ranged from $1,190 to $2,180 – depending on the exact territory within the city. Meanwhile, the average annual premium across the entire province of Alberta was $1,587 in 2022.

Generally speaking, the most expensive rates go to those who live in the downtown core due to the high vehicle density and high crime rates while those who live in residential areas near the outskirts of the city can expect to pay less. Because of recent weather-related events, Calgarians in the northeast area also have a higher average premium.

Recent car insurance quotes from our Calgary users

To find the exact cost of your Calgary car insurance policy, be sure to compare personalized quotes with us – you won't know which insurer offers the lowest rate until you take a look at all of them. Below are three sample quotes our Calgary users received from us in January 2024.

  • $115/month

    42-year-old female

    driving a 2010 Honda Matrix under Economical Insurance

  • $135/month

    27-year-old male

    driving a 2009 Toyota Tacoma under Travelers Insurance

  • $142/month

    52-year-old male

    driving a 2017 Honda CR-V under Economical Insurance

Factors that impact your Calgary car insurance rate

It pays to shop the market for cheap Calgary car insurance. This is because different insurers offer different rates based on a list of personalized factors. Here, we cover a few main ones, so you can better understand how insurers come up with your quote.

  • Age

    Younger drivers tend to pay the highest car insurance rates due to statistical risk factors.

  • Gender

    Males tend to pay higher premiums than their female counterparts due to statistical risk factors.

  • Location

    Where you live in Calgary matters. Busy areas with high crime rates will inevitably come with higher premiums.

  • Vehicle type

    Cars that expensive to repair and replace will cost more to insure – and the same goes with highly-stolen ones.

  • Vehicle use

    Do you drive for business or for pleasure? Pleasure-use cars tend to come with cheaper insurance rates.

  • Driving history

    Your Calgary driving history is looked at by insurers. A clean record shows low-risk which means low premiums.

  • Driving behaviour

    More time on the road equals more risk – so expect to pay higher premiums if you commute daily.

  • License class

    If you have your full driver's licence in Calgary, expect to pay cheaper premiums than a novice driver.

  • Coverages & discounts

    More protection will lead to higher rates, but asking for discounts can help combat the cost.

How to get cheap Calgary car insurance quotes

While insurers are the ones that quote you, there are many steps you can take to make sure you're getting the cheapest Calgary car insurance on the market. Here, we cover ten different tips to help lower your premium. 

  1. Shop & compare

    Research which company provides cheap car insurance in Calgary. Rates can potentially go up whenever you renew, but lucky for you comparing personalized Calgary car insurance quotes with us is free.

  2. Stay loyal

    Some Calgary car insurance companies will give loyalty discounts to drivers who remain active with them for years – but don't let this deter you from shopping the market.

  3. Bundle insurance products

    If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a policy bundle discount.

  4. Insure multiple vehicles together

    If you have multiple drivers and multiple vehicles in your household, putting them all under one policy can help 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 increase it, you'll pay less in premiums.

  1. Ask about discounts

    Ask your insurer about group rates – for professionals, alumni, and more. Oftentimes, Calgary insurance companies will offer discounts to members of certain organizations.

  2. Pay premiums annually

    Paying monthly premiums adds administrative costs to your insurer. If you’re able to pay in full annually, you'll likely pay a bit less in the long run.

  3. Keep a clean record

    The cheapest rates go to the safest drivers in Calgary. Car crashes can stay on your record for years, causing your insurance premium to go up substantially.

  4. Install winter tires

    As Calgary roads can get dangerous in the winter, insurers often offer a cheaper rate to those who install winter tires.

  5. Drive less

    The more you drive, the more risk you're inevitably exposed to. Simply driving less can help save you money on your car insurance premium.

Ready to compare car insurance in Calgary?

You're just a few clicks away from unlocking all your savings – find your lowest Calgary auto insurance rate with us today.

Frequently asked questions on Calgary car insurance

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?