Car insurance in Alberta: Save up to $350*

Looking for car insurance? You’re in the right place! Get great deals on auto insurance and a simplified online experience with belairdirect.

Car insurance for Alberta drivers

Sliding through snow on Edmonton’s winter roads can be stressful, but having the right car insurance can help you keep your cool! Planning a weekend road trip to Jasper or Banff? Check out our customized insurance plans for Alberta’s roads. Whenever you need help with a claim, we’ll be there to support you, 24/7. Whether you drive an SUV, minivan, truck or sedan, you can find great deals and the coverage you need in Alberta with belairdirect.

Car insurance, simplified

Quick quote

Get a personalized quote in minutes and customize your coverage according to your needs. From there, you can checkout online instantly!

Easy access

Manage your insurance anytime with the belairdirect app. You also get access to free perks that help you save money and stay safe on the road.

Speedy claims

Submit a car insurance claim in minutes through the belairdirect mobile app or online. Then, track your claim until it’s been resolved.

Great prices

Get the best deal on your car insurance with competitive rates and lots of discounts. See how much you could save with belairdirect!

What coverage do you need in Alberta?

All drivers in Alberta are required by law to have Liability Coverage, Accident Benefits Coverage, Uninsured Motorist Coverage and Direct Compensation Property Damage. Looking to level up? You can also choose from our wide range of insurance options based on your car, lifestyle and budget.

Learn more about the different coverage types with our guide to car insurance coverage in Canada.Learn more about the different coverage types with our guide to car insurance coverage in Canada.

Mandatory coverage in Alberta

All drivers in Alberta are required by law to have Liability Coverage, Accident Benefits Coverage, Uninsured Motorist Coverage and Direct Compensation Property Damage.

Mandatory

Third party liability coverage

Third Party Liability Coverage is mandatory in Alberta. It protects you if you’re responsible for injuring someone or damaging someone else’s property. For example, if you accidentally hit a light post with your car or injure someone while you're driving. It pays for property damage or injuries to others when you cause an accident.

Mandatory

Accident Benefits

Accident Benefits Coverage is required in Alberta and provides financial compensation, including medical expenses, if you're hurt or killed in a car accident.

Mandatory

Uninsured Automobile Coverage

Uninsured Automobile Coverage is mandatory in Alberta and covers injury following an accident caused by an uninsured vehicle.

Mandatory

Direct Compensation Property Damage

Direct Compensation Property Damage is required in Alberta. It pays for damage to your car and the property inside it when someone else causes the accident.

Standard coverage in Alberta

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

Standard

Collision or Upset

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

Standard

Comprehensive coverage

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

Standard

All Perils

Combines Collision or Upset and Comprehensive coverage.

Standard

Specified Perils

Protects your car against specific types of damage and theft.

Optional coverage for Alberta drivers

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

Optional

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

Optional

belairdirect roadside assistance®

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

Optional

Autocomfort®

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

Optional

Replacement cost protection

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

Get a quick car insurance quote in Alberta and buy online

  • 1 Get a quick quote Get an online quote in just a few minutes. You don’t even have to talk on the phone!
  • 2 Buy the coverage you need Customize your coverage to fit your needs and your budget, and then buy online instantly.
  • 3 Manage your insurance online Manage your insurance and submit claims online or on the belairdirect app, 24/7.

How to get cheaper car insurance in Alberta

Insurance companies use a whole range of factors to calculate your premium. Here’s what you can do to get cheaper car insurance in Alberta!

Bundle your home and car insurance

Getting your home and car insurance with a single insurance company will allow you to save both time and money!

Increase your deductible

Increasing your deductible can help you get a lower monthly car insurance premium. If you rarely make any claims, this will save you money in the long run.

Choose a car with safety features

A car that’s equipped with safety features like blind spot monitoring, crash prevention or an anti-theft alarm can help you get cheaper car insurance, as you’re less likely to get into an accident or have your car stolen.

Reduce your mileage

Reducing how far and how often you drive should make your car insurance premium cheaper. If possible, use public transportation or carpool for your commute – it’s better for the environment too!

Drive together, save together

Do you have several family members or even roommates in your household who drive? Having them all insured with the same insurance company can help lower your premium.

Park your car in a safe place

Parking your car in a garage or driveway can protect your car from theft or vandalism, and get you a discount on your car insurance!

Auto insurance discounts available in Alberta

Online savings

Save even more on your car insurance when you get a quote online!

Bundle Car + Home

You can save up to 25% on your home insurance and up to 15% on your car insurance when you combine both policies!

Multi-vehicle discount

The more the merrier! If you're a household with more than one vehicle, you could get a multi-vehicle discount of up to 15%.

Automerit®

Get a personalized premium based on your driving habits with automerit®. The safer your drive, the more you could save!

See all discounts

Smart digital perks

With the belairdirect app, you get so much more from your car insurance. Manage your insurance anytime and access proof of insurance on the go. Get a personalized premium based on your driving habits with automerit®, as well as smart digital features that help keep you safe on the road.

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Severe weather alerts
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Crash Assist
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Pink Slip
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Car Care

Learn more about the belairdirect mobile app

More questions about car insurance in Alberta?

By law in Alberta, you must carry third-party liability coverage of at least $200,000, accident benefits coverage, and direct compensation for property damage coverage. In Alberta, driving without valid car insurance can cost you a fine between $2,875 and $10,000, and 45 days to 6 months in jail if you don’t pay the fine. If you get into an accident without insurance, you could lose your licence and be required to pay for any damage caused to others.

You can make sure you get the cheapest coverage by comparing car insurance rates.

Here are a few tips to keep in mind when comparing auto insurance quotes:

  • Consider both the premium price and the coverage you get
  • Make sure you get a cheaper quote when you bundle your car and home insurance
  • Save money by insuring more than one vehicle
  • Make sure good drivers get rewarded with better rates with a program like automerit

It’s important to never sacrifice value for price when searching for the cheapest car insurance rates.

If you need car insurance, we will be happy to help you find the coverage that works best for you.

In Alberta, your car insurance premiums are calculated based of multiple factors:

  • The car you drive (the type, make, model, year, trim)
  • Your driving history & record (number of years you’ve been driving, number of years you’ve been insured, accidents and tickets)
  • How much you drive (how often and how far you drive)
  • Where you live (urban areas, rural areas, etc.)
  • The type of coverage you chose (adding optional coverage affects your rate)

Learn more about how car insurance premium is calculated

It’s possible. Due to your lack of a driving record, your rates may be higher than someone with several years of experience, as we don’t know your driving habits yet.

All is not lost! We offer different savings options.

When possible, consider applying as a secondary driver under a parent's insurance policy. This allows you to pay a much smaller premium while allowing you to build up your auto insurance history.

You are studying in CEGEP or at the University? Enjoy our discounts fit for your lifestyle as a student!

At last, receive fair pricing based on the way you drive with automerit. Most of our customers save money with automerit, thanks to their good driving habits.

Car insurance tips & resources

Everything you wanted to know about car insurance coverage

Learn more about the car insurance coverage required in different provinces, the different types of coverage and how to tailor your coverage to your individual needs.

How insurance premiums are calculated

Find out why car insurance premiums vary depending on the vehicle and the driver, and how insurance companies calculate your personal insurance premium.

5 ways to save on your car insurance

This article offers five handy tips to help you save on your car insurance premium. Car insurance doesn’t have to be expensive!
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