Whether you are shopping for auto insurance or renewing your coverage, the AIRB’s role is to ensure auto insurance is accessible, equitable and sustainable for all Albertans.
Know the risks and market conditions impacting your insurance rates and the steps you can take to lower them.
As an independent agency established by the Government of Alberta, we deliver efficient rate regulation for auto insurance companies and educate Albertans about the marketplace.
Your rate is determined using a combination of factors, including your personal characteristics, type of vehicle, coverage amount, deductible, and insurance company. There are three ways to purchase auto insurance in Alberta. The option you choose is a matter of personal preference.
Many insurance companies and independent insurance quoting sites have tools to provide drivers with quotes. The AIRB encourages you to shop the market and use our rate comparison tool.
The AIRB does not provide quotes or recommendations for auto insurance. There are many things to consider when choosing auto insurance. We encourage Albertans to shop the insurance market to find the right policy for them. We also have resources to help you find an insurance company that meets your needs. If you are interested in obtaining a quote, contact your agent, broker or direct writer, or refer to our list of auto insurance companies.
Learn who to contact with questions or concerns about your insurance rates.
A grid step is a position on a scale that measures licensed experience and at-fault accident claims. Each step is associated with a percentage used in the grid rate calculation.
Ride-share drivers should be aware that the standard personal auto insurance policy excludes coverage for any vehicle used for carrying passengers for compensation or hire. Learn more about the insurance needed to be a ride-share driver.
The Government of Alberta introduced DCPD as part of the Automobile Insurance Reforms announced in October 2020. It was effective for all policies in Alberta on January 1, 2022. The main intent of this change is to provide Alberta drivers with an efficient way to process vehicle damage claims. If a driver is in an accident, they will work directly with their insurance company instead of the other party’s insurance company. This process allows for a more efficient and customer-focused claims process. DCPD is part of the mandatory coverage for Alberta drivers. DCPD changes who pays, not what is paid for.
Your insurance still applies when you lend your vehicle as long as:
