Alberta Mandatory Coverage

Owners of motor vehicles in Alberta must obtain coverage that meets the mandatory regulations.  In the province, $200,000 in third-party liability coverage is mandatory. Additional coverage can be purchased from your insurer.

The chart below provides a summary of mandatory coverages required by the Alberta government. Please refer to the list of sources for more details.

This information is for educational purposes only. Consult a qualified insurance professional for further assistance. 

As of January 1, 2020

Compulsory minimum third-party
$200,000 is available for any one accident; however, if a claim involving both bodily injury and property damage reaches this figure, payment for property damage will be capped at $10,000
Direct Compensation Property Damage (DCPD) Required:Not applicable
Medical payments: Up to $50,000/person
Funeral expense benefits: $5,000
Disability income benefits: 80% of gross weekly wages to maximum $400/week; up to 104 weeks for total disability; nothing is payable for the first seven days of disability; non-earner benefit (unemployed person 18 years or older) $135/week, for up to 26 weeks
Death benefits: Death of head of household $10,000, plus 20% ($2,000) for each dependent survivor after first, plus additional $15,000 for first survivor and $4,000 for each remaining survivor; death of spouse/adult interdependent partner of head of household $10,000; death of dependent relative, according to age, maximum $3,000; grief counselling up to $400 per family with respect to death of any one person
Impairment benefits: N/A
Right to sue for pain and suffering?Yes. If injury is deemed "minor" under provincial legislation, maximum award is $5,296
Right to sue for economic loss in excess of no-fault benefits?Yes
Administration:Private insurers



All online sources were accessed on March 1, 2020

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