Alberta Auto Insurance

If you own or drive a car in Alberta, by law, you must buy insurance coverage from a private insurer. A no-fault and tort-based system is used to set out accident benefits and the right to sue in specified situations. ​

After a collision, auto insurance will cover your car, your car’s driver and passengers, pedestrians and property involved. In the event of a collision, your insurance company will:

  • Assist in your recovery
  • Provide financial support you if you are unable to work
  • Provide financial protection if you hurt someone and are sued. 

The Alberta Ministry of Transportation​ provides specific guidelines for drivers and vehicles. 

The right auto insurance coverage is essential. By law, owners of motor vehicles in Alberta must buy a mandatory​ amount of insurance. More than 70 private insurance companies offer auto insurance to customers and compete on the basis of price, coverage and service.

What Insurance Covers

Mandatory third-party liability coverage protects an insured Alberta vehicle owner and/or driver in the event that someone is killed, injured or suffers property damage as a result of the driver’s negligence. Medical benefits are limited to up to $50,000 per person in Alberta. Albertans can buy more coverage to suit their needs. 

​Looking to Insure Your Car?

Insurance coverages are subject to change. When you buy or renew auto insurance, it’s important to understand what’s currently mandatory​ within the province of Alberta. Evaluate price, coverage and service options. 

The make or model of your car is often a factor in how much you pay for insurance. If a vehicle has a bad record of theft, collision and claims, it could cost you more to insure it. Review the insurance industry’s research on How Cars Measure Up before choosing your next car.