You could save up to $350* on your car insurance in Alberta

It pays to switch your car insurance to belairdirect!

belairdirect has the right car insurance coverage for Alberta drivers

Whether you're in Calgary or Cold Lake, belairdirect has the car insurance coverage to fit the driving needs of all Albertans.

We offer custom insurance plans that feature multiple ways to save and online quotes that make it as easy as possible to choose the right insurance for your driving  needs!

Whether you're cruising down the TransCanada headed to Banff for the weekend or you're commuting from Ritchie to Downtown Edmonton, belairdirect has the right car insurance plans to cover all your needs.

Getting a car insurance quote in Alberta has never been easier

Call us today or apply online to get a quote and see how much you could save with belairdirect. It's quick, it's simple and it's absolutely free!

Personalize your car insurance coverage

Mandatory auto insurance coverages in Alberta

You are required by law to have Liability Coverage, Accident Benefits Coverage and Direct Compensation – Property Damage no matter what car you drive in Alberta.


Third party liability coverage

Pays for property damage or injuries to others when you cause an accident.


Accident Benefits

Covers medical costs, rehabilitation costs and provides financial compensation for injury or death caused by an accident.


Direct Compensation Property Damage

Pays for damage to your car and the property inside it when someone else causes the accident.

Standard coverages in Alberta

Get additional protection for damage to your vehicle with these standard auto insurance coverage.


Collision or Upset

Pays for repairs or replacement costs when you hit something on the road.

It covers:

  • collision with another car
  • hitting an object
  • collision with a person or an animal
  • car flips over
  • damage caused by an uninsured or hit-and-run driver


Comprehensive coverage

Pays for repairs when your car is damaged by something other than a collision or upset.


All Perils

Combines Collision or Upset and Comprehensive coverage.


Specified Perils

Protects your car against specific types of damage and theft.

Optional coverages for Alberta drivers

Extend your auto insurance to match your driving style and your car with these optional add-ons.


Accident Forgiveness

Prevents the price of your insurance from going up as a direct result of your first at-fault accident.

Learn More about accident forgiveness


belairdirect roadside assistance®

Provides 4 emergency services per membership year when you run into trouble on the road.



Offers coverage options to expand your protection in case of an accident.


Replacement cost protection

Replaces your car with a new car with similar specifications, accessories and equipment, if the car is damaged beyond repair.

What to expect
when driving in Alberta...

The Trans-Canada Highway

The Trans-Canada Highway will take you from Saskatchewan and allows you to see Banff, Medicine Hat, or connect to Route 22 and head north.

40 percent of trial time

Impaired driving prosecutions take up to 40 percent of trial time in Alberta's provincial court system. The provincial government has even taken steps to decriminalize impaired driving so that officers can simply suspend licenses and avoid clogging the court systems with so many cases.

The anti-icer

In 2017, the city of Edmonton began a pilot project where a calcium chloride solution was spread on roads before a snowfall. The anti-icer prevented the snow from sticking to the pavement and helped them stay cleaner for longer with less plowing and sanding.

Highway 63

Highway 63, which passes through Fort McMurray, carries more trucks with heavyweight loads than any other road of its size in Canada.

Impaired Driving Convictions

According to MADD, it is estimated that 8,600 people are convicted of impaired driving charges each year.

Drive in Alberta

In order to drive in Alberta, you must be at least 14 years of age to obtain your learner's permit (Class 7) which allows you to drive with a non-probationary driver over the age of 18. Once you have 1 year's experience, you can apply for the Probationary Driver's Licence (Class 5) after turning 16 years old

New drivers in Alberta

So you got your driver's licence? Congratulations. Learning to drive is a big milestone in any young person’s life.

Being a new driver means you'll need insurance coverage to protect both yourself and those around you. Due to your lack of driving experience, your rates may be higher than a driver with more experience on the road. Statistically speaking, younger drivers between the ages of 20 to 24 are more often involved in accidents resulting in injury or death.

If you occasionally use your parent or guardian's car, consider applying as a secondary driver under their insurance policy. This will allow you to pay a smaller premium while allowing you to build up your driving record over time. However, if you use the vehicle regularly or even more than your parents, you will have to register as a primary driver.

Consult with your agent to see what the best solution for you is regarding coverage. to pay a smaller premium and let you to build up your driving record. However, if you use the car frequently you may need to apply as a primary driver on the vehicle's policy. Talk to your agent to find a coverage option that best fits your needs.

4 things you need to know when choosing car insurance coverage in Alberta...

Just like every other Canadian province, car insurance is mandatory in order to be able to drive in Alberta. An insurance policy ensures that all parties are covered in the event of an incident that causes property damage or personal injury. In Alberta, the minimum liability coverage you'll require for auto insurance must cover third party liability coverage, accident benefits coverage and property damage coverage (PLPD).

Car Insurance Policy:
Limits Required by Law

Third party Liability:
$200,000 coverage

Accident Benefits Coverage:
In Alberta, this coverage is considered "non-fault" and is paid, regardless of who is found at-fault for an accident. This is standard for all policies in Alberta.

Any injury or death that occurs from an accident involving an uninsured driver or a hit-and-run. This coverages usually matches the third party liability coverage. So if you have $200,000 of coverage, you will have $200,000 worth of uninsured automobile coverage.

The minimum amount of coverage required in Alberta is $200,000. This covers any property damage, injury or death caused by an accident that you could be liable for. The minimum amount of coverage doesn't include all eventualities so to ensure you get the coverage for your specific situation, consult with one of our agents.

PLPD stands for Personal liability and property damage coverage. This covers the damage you may cause with your vehicle in the event of an accident. The minimum requirement for coverage in Alberta is $200,000. Most drivers increase their PLPD coverage limits for additional protection as a precaution.

When in doubt, check the insurance policy for that vehicle. Insurance is applied to a vehicle, not a driver, and as such can extend to multiple drivers. If you borrow someone's vehicle regularly, you'll need to apply for insurance on the vehicle's policy as a secondary driver. If you're still unsure, refer to the driver's policy everytime. An important note: Remember that driving an uninsured vehicle is against the law, no matter who is behind the wheel.

In 2004, the Insurance Act instituted an important clause that stipulated no one in Alberta can be denied car insurance. Of course, there are certain circumstances that can bar you from being eligible for basic coverage such as not paying for the policy, having an outstanding balance with your insurance company, criminal code convictions, engaging in illegal activities or lying to your insurance company.

Ready to compare your current premium or get new car insurance coverage for Alberta?

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