Skip to main content
Ratehub logo
Ratehub logo

Compare Lethbridge Car Insurance Quotes

Get personalized car insurance quotes from Canada's top providers in less than 5 minutes, for free.

How to compare Lethbridge car insurance quotes with Ratehub.ca

  1. Share information

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

  2. Compare quotes

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

  3. Save money

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

A few things we're proud of

  • 1,200,000

    monthly users

  • 11 years

    young

  • Over 1M

    better choices made

  • Trusted partner

    to Canada’s top financial institutions

How car insurance in Lethbridge, Alberta works

Lethbridge is the fourth most populated city in Alberta and continues to grow every year. Driving The Lethbridge Viaduct (or High-Level Bridge) because it is the longest and highest steel trestle bridge in North America. With four highways running through or terminating in the city, it makes Lethbridge and its freight depots, a major shipping destination.

All that driving means you’re doing to want to pay low car insurance premiums. The average annual car insurance premium in Lethbridge is around $1,000.

At Ratehub.ca, we help the people of Lethbridge shop for the best car insurance rates in just minutes to suit their budget and preferences.


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

Mandatory Lethbridge auto insurance coverage includes:

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

Optional Lethbridge 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 Lethbridge 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 Lethbridge

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 Lethbridge

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 Lethbridge insurance quotes and uncover the savings

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

Factors that impact your Lethbridge car insurance rates

It pays to shop around to find cheap car insurance in Lethbridge. 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 Lethbridge:

Driver demographics


Where you live


Vehicle type


Driving history


Driving activity


Type of insurance coverage


Applicable discounts


How to get cheap car insurance in Lethbridge

  1. Shop and compare

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

  2. Stay with your current insurer

    Some Lethbridge 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 Lethbridge 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 Lethbridge?

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

Frequently asked questions about car insurance in Lethbridge

How much is car insurance in Lethbridge?


Who are the best Lethbridge car insurance brokers?


What are the best Lethbridge car insurance companies?


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

Learn more about insurance

read more articles

The knowledge bank

A wealth of knowledge delivered right to your inbox.

By submitting your email address, you acknowledge and agree to Ratehub.ca’s Terms of Use and Privacy Policy. Contact us for more information. You can unsubscribe at any time.

About Ratehub.ca

Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, Ratehub.ca is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place.

Ratehub.ca has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada.

How does Ratehub.ca make money?

Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry-leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

read more about us