Left Navigation

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. 

Auto Insurance Alternate

​​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. 

The Alberta auto insurance system is continually evolving. Stay informed about insurance reforms.

Insurers pay $2 billion per year into Canada’s health care system.​