How much does car insurance in Airdrie cost?
The average car insurance rate in Airdrie is $2,773 per year, or a monthly payment of $231. Your premiums can be higher or lower depending on your car, coverage needs, driving record, and other factors.
Here’s a breakdown of premiums by different time frames:
- Annually: $2,773
- Semi-annually: $1,386.50
- Quarterly: $693.25
- Monthly: $231.08
- Weekly: $53.33
- Daily: $7.59
Airdrie auto insurance rate changes by year
Auto insurance premiums are on the rise in Airdrie and across Alberta. The government-imposed rate freeze and rate cap did lower costs somewhat in 2024, but they are on the rise again in 2025.
| Year |
Average annual premium |
| 2025 |
$2,773 |
| 2024 |
$2,464 |
| 2023 |
$2,579 |
| Average rate (2013-25) |
$2,605 |
**
Insure multiple cars and save on both
By insuring multiple vehicles under a single policy, Airdrie households can achieve significant savings, averaging around $500 per car. This bundling can lower the annual premium to approximately $1,772 per vehicle. Many families in the area own more than one vehicle, making this a potential way to reduce insurance costs.
|
Average rate |
Average rate per vehicle |
Total savings |
Savings per vehicle |
| 1 car |
$2,773 |
$2,773 |
|
|
| 2 cars |
$3,543 |
$1,772 |
$1,001 |
$500 |
**
How can I get cheap car insurance in Airdrie?
All drivers want to know how to get affordable car insurance, and drivers in Airdrie are no different. There is no secret to getting cheaper rates.
The key is to be consistent. Assess your policy each time it is up for renewal. Renewals allow you to see what other insurers can offer based on current market conditions.
Use a broker to compare your coverage options. Getting an estimate annually ensures you are taking advantage of savings, discounts, and (hopefully) a reduction of premiums.
What are the top factors impacting Airdrie auto insurance premiums?
There are a lot of factors used by insurers to assess your level of risk and set your premiums. They look at everything from where you live, your age, your car, your insurance record and much more. Here are some of the top factors that will impact car insurance rates for Airdrie drivers:
- Location: Where you live matters. Things like traffic, accident frequency, and theft numbers are factored into your rate pricing.
- Vehicle: The vehicle you drive, what you use it for, and how often you drive impact your quoted rates.
- Driving record: A clean driving record will help you keep your fees down. A few tickets or an at-fault accident could cause your costs to spike.
- Coverage: Some types of auto insurance are more expensive than others. Adding extra protection to your policy will increase your rates.
- Experience: Your age, gender, and number of years of driving experience influence your rates. More experienced drivers generally have lower insurance.
