Cheap Car Insurance Calgary
Calgary Drivers can bundle their Auto & Home Insurance and save!
By combining your Calgary home and auto insurance policies with Leibel Insurance, you can receive substantial savings of up to 25% on car and auto insurance rates.
Now, to speak directly with an Insurance Broker about Calgary Car Insurance, or complete a no-pressure, no-obligation quote request form today.
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What Does My Calgary Car Insurance Cover?
Mandatory Coverage for Auto Insurance in Calgary
All drivers in Calgary must have the following car insurance coverage, as required by law in Alberta, Canada:
Third-Party Liability Insurance covers damages to others’ property or injuries caused by car accidents where you’re at fault. The minimum amount of liability coverage in Alberta is $200,000, but it’s recommended to have at least $2 million to adequately protect yourself in case of a serious at-fault accident.
DCPD coverage provides coverage to repair or replace your vehicle if it’s caught in a collision with another insured driver when you’re not at fault. This coverage is part of your basic Calgary vehicle insurance policy and doesn’t require any additional premium.
Accident Benefits replaces lost income or pays for medical or other expenses. It may also provide a death benefit to passengers in your vehicle if a covered accident were to happen, and helps pay for medical expenses caused by the driver of an uninsured vehicle. Additionally, it is beneficial if you or your family were killed in a car accident caused by an uninsured vehicle.
Optional Auto Insurance Coverage in Calgary
Both collision and comprehensive coverage are optional, providing an extra layer of protection. You can also purchase car insurance add-ons to enhance your coverage options.
- Comprehensive Coverage:
Comprehensive coverage protects damage to your vehicle caused by events other than a collision, such as theft, vandalism, or natural disasters like hail. This type of coverage can provide peace of mind, especially if you live in an area with a high risk of these types of events.
- Collision Coverage: Collision coverage protects damage to your vehicle resulting from a collision, regardless of who is at fault. This can be particularly beneficial if you have a newer or high-value vehicle.
How Does Calgary Auto Insurance Work?
Auto car insurance is governed by the Alberta Insurance Act, and car Insurance Rates in Calgary are regulated by the Auto Insurance Rate Board (AIRB). Drivers can purchase car insurance through private insurance companies. Since car insurance is obligatory in Calgary, Alberta, an insurance company is mandated to provide the minimum car insurance to anyone who requests it. If a driver is caught without insurance, they will be subject to penalties and fines.
There’s a grid system that sets the maximum mandatory car insurance charges, while buying additional coverage is optional.
Alberta is not yet fully a no-fault state, but you can still get compensation from your insurance company if you are not at fault under Direct Compensation Property Damage coverage.
The state of Alberta plans to apply a new system called Care-First Auto Insurance starting January 2027, offering better and faster medical and recovery benefits to those injured in a car accident.
How Much Does Car Insurance Cost in Calgary?
An average car insurance premium in Calgary costs $2,032 per year. As a general rule, no two drivers get the same insurance quote, as there are many factors, like location, demographics, and driving history, that affect the insurance premium.
What Factors Affect Auto Insurance Rates in Calgary?
Younger people are often less careful and experienced than older drivers. A new driver under the age of 25 may get a higher car insurance rate in Calgary, with an average of $3,084 per year (for age 21-24).
On the other hand, a 50-year-old driver may get a lower rate, with an average of $1,053 per year (for age 55-64).
According to statistics, women are more careful drivers than men, so the average car insurance premium for a woman in Calgary is approximately 5% less than for a man.
Location is an important factor in determining car insurance rates. Some neighbourhoods in Calgary are more expensive than others due to crime rates, claims stats, traffic, or weather conditions.
For example, the average rate for car insurance in Calgary is $1,401 per year in the area with the postal code T3Z.
Meanwhile, the area with the postal code T3J has a higher average car insurance premium.
Your driving record is a major factor in determining your car insurance rates. Drivers with clean records are seen as careful and less likely to get in accidents and file claims, so they get cheaper car insurance rates. On the other hand, speeding tickets alert car insurance companies to a high accident risk, so their insurance rates are higher. Driving carefully is a great way to keep a clean driving record and claims record, and get lower insurance rates.
The more coverage and add-ons you include in your car insurance policy, the more expensive it gets. You feel like the standard coverage is not enough, which may be true for some drivers. However, it’s crucial to make sure you don’t overpay for coverage that isn’t necessary.
The vehicle’s make and model also affect the insurance rates. Some cars are built sturdier than others, making them less prone to major damage. Moreover, expensive cars cost a lot to repair because their spare parts are hard to find.
Calgary’s Best Car Insurance Broker
Contact Leibel Insurance today for a Car Insurance quote in Calgary, as well as other cities in Alberta and Ontario. Fill out the FREE personal insurance quotes request form or call our office today.
How to Get Cheaper Car Insurance in Calgary
Here are some specific ways to potentially reduce car insurance costs and get the cheapest car insurance rate in Calgary:
Bundle Policies
Bundle up for savings! Calgary drivers can combine their home and auto insurance for up to 25% off! Learn more about our bundle insurance options.
Insure Multiple Cars
You can also get cheaper auto insurance in Calgary when you insure multiple cars under the same car insurance company. Save more on Car Insurance rates now.
Take Advantage of Discounts
Many insurance companies offer discounts for various factors, such as having multiple insurance policies with the same company, having a clean driving record, accident forgiveness, or installing winter tires. Be sure to ask your insurance broker about any discounts you might be eligible for.
Choose a Higher Deductible
The deductible is the amount you pay out of pocket before your car insurance coverage kicks in. Choosing a higher deductible can lower your auto premiums, but it also means you’ll pay more out of pocket if you need to make a claim.
Why Is Calgary Auto Insurance Expensive?
- Number of drivers: Calgary has an increasing number of drivers. According to statistics, the city has over a million drivers as of 2024.
- Major Transportation hub: The city is located between two major highways, which creates a lot of traffic congestion.
- Increasing number of collisions: The number of collision accidents in Calgary is also increasing alarmingly, leading to more claims filed.
- Highest vehicle theft rate: Calgary has the highest auto-theft rate in Canada, with thousands of cars stolen per year. Theft claims have increased costs by 59% from 2021 to 2023.
- SUVs and Trucks: Over 75% of all vehicles in Calgary are SUVs and trucks, which have a high replacement value and are attractive to thieves.
How to File a Car Insurance Claim in Calgary
- Make sure everyone in the road is safe. Park on the side of the road, if possible.
- If there are injuries or major damage, call 911.
- Note the make and model of vehicles involved in the accident. This will help with your claim. Also, take the contact information of the witnesses.
- If you can, document that damage with photos and videos.
- Call your Calgary insurance agent and inform them about the claim as early as possible.
- Gather all documents, including police reports, repair receipts, and medical bills, if possible.
- Help the claims adjuster by answering their questions and providing the required documents.
- The insurance company will send you a settlement offer. Sign, if you accept it. If not, you can negotiate.
- When you accept the offer, you will start getting reimbursements.
How do I get Car Insurance in Calgary
Here’s a simplified three-step process for obtaining a car insurance quote in Calgary from brokers through Leibel Insurance.
- Contact and Initial Consultation:
Contact us by phone or submit a request using our “Get a Quote” form to set up an appointment.
Discuss your insurance needs and preferences with one of our Calgary auto insurance brokers, including desired coverage options and any specific requirements. - Insurance Quote Comparison and Presentation:
We gather Calgary auto Insurance quotes from our list of approved Canadian Insurers.
We will compare the coverage options, deductibles, and premiums offered by each insurer and present you with the best available options based on your needs and budget. - Policy Selection and Finalization:
Review the Calgary car insurance quotes provided by Leibel Insurance and select the policy that best meets your requirements.
Complete the application process with our assistance, providing any necessary documentation.
Once the policy is approved and issued by your chosen insurance company, arrange for payment of the premium and receive proof of insurance.
How to Protect Your Car with Auto Insurance
- Increase your third-party liability coverage. The mandatory coverage limit is $200,000, but you can increase it up to $1-2 million. It will financially protect you when you cause damage or injury to others.
- Get windshield protection. Your windshield can get cracked or chipped due to many factors, including the weather. Protecting them will enhance your safety and maintain the original glass.
- Get comprehensive coverage. It’s a necessary optional coverage that will protect your car from wind, hail, flooding, and flying objects. All of which are common in winter.
- Periodically review your coverage. Your insurance needs change from time to time. It is crucial to check with your car insurance broker once every year if you need to make changes to your policy.
- Get personal umbrella insurance coverage. This coverage reimburses you for the difference between the coverage you need and the coverage limit you have.
How Do Tickets Impact Car Insurance in Calgary
There are two categories of traffic tickets. Each category has a different impact on your auto insurance.
- Category 1: Minor traffic violations. They can spike your insurance rates by 25%. Examples include speeding 1-49 km/h above the allowed limit, following another vehicle too close, improper turning, or improper passing.
- Category 2: Major traffic violations. These can increase your auto insurance rates significantly and also result in you being considered a high-risk driver. Examples include speeding 50 km/h above the allowed limit, careless driving, stunting, racing, or driving under the influence.
Coverages for Different Vehicle Types
Our Local Auto Insurance Quotes – Alberta
Car Insurance Calgary FAQs
Yes, depending on your insurance provider, your credit score could have an impact on your car insurance rates. For example, a low credit score may imply that you are likely to miss payments. A high credit score indicates that you are responsible.
It depends on your needs and budget; our car insurance brokers in Calgary can help you find the best car insurance companies in Calgary that offer coverage at an affordable rate.
The minimum mandatory coverage is the cheapest auto insurance you can get in Calgary. However, we recommend adding more coverage to be more protected against any unexpected events. Leibel Insurance can help you get the best vehicle insurance near you.
The Alberta Auto Insurance Rate Board (AIRB) determines auto insurance rates across Alberta, using the grid system.
Car insurance is mandatory for all drivers in Calgary. Moreover, it protects you and your car if you get involved in an accident or if your vehicle is stolen or damaged.
No, temporary car insurance isn’t available in Calgary. Some insurers offer a 6-month insurance policy. However, a one-year policy is the standard.
If you have the uninsured motorist optional coverage or the family protection plan endorsement, they will cover damage to your car.
No, your personal items are covered by your home insurance policy.
Alberta has made the direct compensation property damage (DCPD) coverage mandatory, which allows you to make a claim for your vehicle’s damage and loss of use directly from your own insurance provider, even if you are partially at fault.
No, the all-comers rule in Alberta ensures that car insurance companies in Alberta can’t deny the minimum mandatory coverage to any drivers.
No, photo radar tickets do not affect your auto insurance.
Yes, men, especially younger ones, pay higher insurance rates than women, due to being statistically more likely to get into accidents.
Both are types of insurance compensation, where replacement cost compensates your car with the value of a new one, while actual cash value factors in depreciation, offering a lower amount.
Yes, your Calgary auto insurance is valid in the US. Remember to notify your insurance company before traveling.
Yes, you need to register your car in Alberta to get Calgary auto insurance.
Yes, your employer should provide a commercial insurance policy. Additionally, you can get a ridesharing insurance rider from your car insurance provider.
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