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Car insurance for Alberta drivers from Calgary to Canmore
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.
Car insurance, simplified
Quick quote
Get a personalized quote in minutes and checkout online.
Easy access
Manage your insurance anytime and access free perks in the belairdirect app.
Great prices
Get the best deal on your car insurance with lots of ways to save.
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.
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.
Third party liability coverage
Pays for property damage or injuries to others when you cause an accident.
It covers:
- legal fees and lawsuit settlements
- property damage caused by your car
- medical expenses of anyone you injured
Accident Benefits
Covers medical costs, rehabilitation costs and provides financial compensation for injury or death caused by an accident.
It covers:
- medical and rehabilitation expenses that aren't covered by a provincial health plan
- lost income if you can't work due to the accident
- funeral, home care and grief counselling expenses
Direct Compensation Property Damage
Pays for damage to your car and the property inside it when someone else causes the accident.
It covers:
- cost to repair or replace your car and any property inside it
- rental car or transportation costs while your car is being repaired
Standard coverage in Alberta
Get additional protection for damage to your vehicle with these standard auto insurance coverage options.
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.
It covers:
- broken glass
- theft, attempted theft, vandalism
- storms and natural disasters
- accidents involving wild animals
- damage caused by falling trees or other objects
- fire and explosion
All Perils
Combines Collision or Upset and Comprehensive coverage.
It covers:
- damage caused by falling trees or other objects
- theft, attempted theft, vandalism
- collision with another car
- accidents involving a person or animal
- broken glass
- storms and natural disasters
- fire and explosion
Specified Perils
Protects your car against specific types of damage and theft.
It covers:
- theft, attempted theft
- storms and natural disasters
- fire and explosion
Optional coverage 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.
belairdirect roadside assistance®
Provides 4 emergency services per membership year when you run into trouble on the road.
It covers:
- towing (within 50 km from the breakdown location)
- spare tire installation
- locksmith services
- gas delivery (up to 10 L)
- removal of your car from a ditch
- battery boost
Available in Canada and the United States only
Autocomfort®
Offers coverage options to expand your protection in case of an accident.
It covers
- cost of a rental car after an accident involving your car
- damage to a rented car
Available in Canada and the United States.Collision or upset and Comprehensive or Specified Perils, or All Perils coverages are required to be eligible for Autocomfort.
Replacement cost protection
Replaces your car with a new car with similar specifications, accessories and equipment, if the car is damaged beyond repair.
It's covers:
- financial compensation or replacement of your car with a new car with similar specifications, accessories and equipment
Getting a car insurance quote in Alberta has never been easier!
Our online quote tool is here to help you choose insurance coverage that suits your budget.
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.
Learn more about the belairdirect mobile app
More questions about car insurance?
What auto insurance is mandatory in Alberta?
By law in Alberta, you must carry third-party liability, accident benefits, uninsured motorist and direct compensation property damage coverages.
How can I get cheaper insurance in Alberta?
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.
What factors determine auto insurance rates in Alberta?
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)
As a new driver who just got his driver’s license in Alberta, will my premium be higher?
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.