Save up to $350* on your car insurance in Alberta

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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.


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 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.


All Perils

Combines Collision or Upset and Comprehensive coverage.


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.


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.

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.

More ways to save 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%.


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.

Weather Icon
Severe weather alerts
Crash Assist Icon
Crash Assist
Pink Slip Icon
Pink Slip
Car Care Icon
Car Care

Learn more about the belairdirect mobile app

More questions about car insurance?

By law in Alberta, you must carry third-party liability, accident benefits, uninsured motorist and direct compensation property damage coverages.

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.

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