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Are you looking for a better rate on Calgary car insurance?

There are a lot of things to love about living in Calgary, but car insurance rates are not one of them.

Affectionately referred to as Cowtown and home to the world-famous Calgary Stampede, the city is one of the fastest growing in the country. It is the largest city in Western Canada and the fourth largest overall. Like other big cities, auto insurance in Calgary is expensive for many drivers.

We understand that Calgarians want to save with cheaper car insurance. At ThinkInsure, we are partners with the leading insurance companies in Alberta. We can shop and compare quotes for the cheapest car insurance in Calgary. You can quickly find the best rates from multiple insurers and save on your policy.

We want to make it easy for Calgary drivers to save with more affordable auto insurance premiums. Get started by comparing quotes online or give us a call and our friendly advisors will be happy to help you. It only takes a couple of minutes to get a quote and you could save up to 30%.

Keep reading to learn more about car insurance in Calgary and find out how you can save more on your next policy.

How to compare Calgary car insurance quotes

Comparing quotes is quick and free! Just follow these easy steps.

1) Start your quote

Enter some basic personal details.

2) Driving and vehicle info

Provide us with your driving and vehicle information.

3) Compare the cheapest quotes

See prices from the top insurance companies.

Choose your policy

Choose the lowest rate and coverage. Confirm the details with our experts and purchase your policy.

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5 star car insurance in Calgary

Rated 4.7 out of 5 stars in 1516 Google reviews

See what customers are saying about getting car insurance with us.

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Mariann Szekeres

2025-06-20

Thank you Sohel for all your help in finding the right insurance for me, I greatly appreciate it.

Zach Barnett

2025-06-06

Excellent Experience sorting out insurance with Todd A. Very helpful and friendly Thank you !

Mike C

2025-05-30

Great service and seamless process. Todd was great!

Mike Chernikov

2025-05-29

Very polite and easy to work with. Tried many companies before this one. Got help same day. Would recommend

Bumsniff McCheeze

2025-05-29

Amazing place to go for tenants insurance...needed help quickly and didn't know how to go about it. Todd one the agents went above and beyond on help fulfill my request, was courteous, polite and knowledgeable and hooked me up with exactly what I needed to secure tenants insurance and move into my new home. Wouldn't have happened without his help and he is very much appreciated!!! As is the company itself...very affordable rates and payment options and made everything easy and seamless. Thanks again! Your rock!

garth dangerfield

2025-05-28

I have been a customer since 2022 at Thinkinsure- overall very pleased! Recently I had a bit of a problem with my policy, nothing to do with Thinkinsure - rather the insurance company that was solved, but I will say I'm grateful for Thinkinsure's help specifically a very nice woman Felicia - she took control & was extremely helpful. Thank you Felicia

Clare Wanzama

2025-05-22

I can't recommend Sohel enough! He went above and beyond to help me get car insurance despite my challenging driving history. He was professional, patient, and truly dedicated to finding the best possible coverage for my situation. I felt supported every step of the way, and he made a stressful process so much easier. If you need someone who genuinely cares and will work hard for you, Sohel is your guy. Thank you for everything!

K Stephens

2025-05-13

The service Betsy Bannon provided was exceptional. Her prompt responses and detailed options easily convinced us to move our business from elsewhere to ThinkInsure.

How does Calgary car insurance work?

Getting auto insurance in Calgary is the same as getting coverage anywhere else in the province. You apply for it, assess your options, and choose the level of protection.

Here are the key things you need to know:

The industry is regulated by the Auto Insurance Rate Board (AIRB).
Insurance is available through private insurance companies.
A grid rate calculator is used to set mandatory coverage rates.
It is a hybrid system – tort and no-fault insurance.

What is mandatory and optional auto insurance in Calgary?

Young girl in a car looking out the window

Auto insurance in Calgary is divided into two parts – mandatory and optional. All drivers must have mandatory coverage and then can personalize their policy by adding optional forms of protection.

Here's how it works:

Mandatory auto insurance

Drivers must have a mandatory amount of protection. At a minimum, you must carry $200,000 in third-party liability and accident benefits. How much you pay is determined using the grid rating program.

Basic policies include:

Personal Liability and Property Damage (PLPD)
Accident benefits

Optional auto insurance

Most drivers in Calgary have more than the minimum car insurance. Optional coverage does not apply to the grid rating system. Drivers are free to get quotes for optional or added protection.

Types of optional coverage:

Additional PLPD coverage
Additional accident benefits
Collision
Comprehensive
Specified perils

Get more information about the specific requirements for car insurance in Alberta

How much does car insurance cost in Calgary?

How much you pay will vary from driver to driver. The average car insurance premiums in Calgary are about $1,250 annually, or about $105 per month. In general, car insurance premiums in Calgary tend to be higher than in other Alberta cities. The population, amount of traffic, and risk all play a role in how rates are determined by providers.

The best way to know how much your rate will cost is to get an estimate from multiple insurers.

What are some car insurance tips to protect your vehicle in Calgary?

Car insurance needs will vary based on where you live in Calgary. Unpredictable weather makes it important to have more than the basic amount required to legally drive.

Increase third-party liability: Most drivers in the province carry $1 million in third-party liability.
Add comprehensive: Protect your vehicle against the wind, hail, flooding, and flying objects.
Make sure you have windshield protection: Cracked or chipped windshields are common in Calgary. Frigid temperatures and flying rocks are threats to your windshield.

What factors impact Calgary auto insurance rates?

There are many factors that insurance companies use to determine car insurance rates in Calgary.

Personal information: Age and gender.
Driving experience: Number of years you’ve had a driver’s licence.
Driving record: Tickets, driving convictions, a lapse in coverage.
Location: Where you live within the city.
Driver training: Completion of an accredited driver training program.
Vehicle: Type of car you drive and what it’s used for.
Deductible: Deductible amount.
Plan: Policy limits.
Drivers: The number of drivers included in your policy.

Latest Calgary car insurance quotes

2025/07/17

Shopper in CALGARY, AB
Vehicle: MERCEDES-BENZ 190D 4DR 1985
Aviva	$1,571
Intact	$1,966
Savings from top 4 cheapest quotes	$395

Shopper in CALGARY, AB
Vehicle: HONDA CIVIC LX 4DR 2014
Aviva	$1,812
Intact	$2,151
Travelers	$2,729
Savings from top 4 cheapest quotes	$917

How can I get cheap car insurance premiums in Calgary?

There are a variety of discounts and incentives offered by insurers to help Calgary drivers get cheaper car insurance. Take advantage of them:

Bundle coverage: Combining car and home insurance policies will immediately reduce fees by up to 20% or more.
Install winter tires: Using winter tires will not only qualify you for a discount, but they will also make driving safer.
Install an anti-theft device: Installing an anti-theft device will qualify you for a discount and make it less likely your vehicle gets stolen.
Your vehicle: The vehicle you drive matters. Choose one that is not a target for thieves, has a strong safety rating, and is affordable to repair.
Keep a clean driving record: Be a safe driver – obey traffic laws, get winter tires, avoid texting and driving, and don’t drink and drive.
Choose plan limits wisely: Choose a plan that meets your personal needs.
Use a calculator: An Alberta car insurance calculator can help you get a better grasp on costs.
Know how the grid rating program works: The grid program is designed to help you reduce premiums as you gain more experience.
Shop around: Getting an estimate is always the most effective way to find affordable premiums.

Car insurance in Calgary area neighbourhoods

The city of Calgary is a big place. There is a large downtown core and many different neighbourhoods. Where you live, how and where you drive within the city matters.

This means car insurance rates can vary in different parts of Calgary. ThinkInsure works with the leading insurers in Canada and can offer flexible plans and affordable prices no matter where you live in the city.

Downtown Calgary
Downtown East Village
Downtown West End
Downtown Commercial Core
Stephen Avenue Retail Core
Entertainment District
Government District
Beltline
Chinatown
Eau Claire

We also offer coverage for residents in all areas of Calgary:

Northeast: Bridgeland/Riverside, Crescent Heights, Mayland Heights, Renfrew, Tuxedo, Winston Heights – Mountview
Northwest: Banff Trail, Bowness, Crescent Heights, Capitol Hill, Hounsfield Heights/Briar Hill, Montgomery, Mount Pleasant, Parkdale, Point Mckay, Rosedale, St. Andrews Heights, Sunnyside, University Heights, University of Calgary, West Hillhurst
Southwest: Altadore, Bankview, Bel-Aire, Lincoln Park, Elbow Park, Elboya, Erlton, Glamorgan, Glenbrook, Glendale, Killarney/Glengarry, Lower Mount Royal, Mayfair, Meadowlark Park, North Glenmore Park, Parkhill/Stanley Park, Richmond, Rideau Park, Rosscarrock, Roxboro, Rutland Park, Shaganappi, South Calgary, Spruce Cliff, Sunalta, Upper Mount Royal, Westgate, Wildwood, Windsor Park
Southeast: Albert Park/Radisson Heights, Alyth/Bonny Brook, Dover, Erin Woods, Forest Heights, Forest Lawn, Highfield Industrial, Inglewood, Manchester Industrial, Manchester, Ogden, Ramsay, Southview

About Calgary and car insurance

Woman in car driving with her husband and son

Calgary is a large city with lots of traffic that affects how much drivers pay for car insurance. It's important to have good coverage to be protected properly. Here are some traffic stats and facts about the city.

Best city for drivers in North America: According to a major survey that examined the world’s top 500 cities, it ranked 10th best major city to drive in the world and number 1 in Canada and North America.
It is a major transportation hub: This city is located at the junction between the Trans-Canada Highway (Highway 1) and the “Canamex” highway system.
Close to 1 million licensed drivers: As of 2016, there were more than 940,000 licensed drivers, the most in any city in the province.
The city is home to the busiest road in Alberta: Over 160,000 vehicles pass over sections of Deerfoot Trail every day.
SUVs and trucks reign supreme: Over 75% of the vehicles on the roads are SUVs or trucks.
It is a young city: Calgary has the youngest population of all major cities in Canada. The median age is 36.8. This means there are a lot of younger drivers on the road.
Highest vehicle theft in Canada: On average, 111 cars and trucks are stolen per week in the city. Over 5,700 vehicles were stolen in 2017 alone.
It is a commuter town: 80% of people drive or commute to get to work. The average commuter time for drivers to get to work is 26.5 minutes. This is less than Toronto, Montreal, and Vancouver.

Calgary driving tips

Driving in Calgary is only becoming more congested and challenging. This means more cars, more rush hour traffic, and greater risk for drivers.

Add to this the constant delays as the Calgary Ring Road is being constructed and unpredictable weather. Drivers need to be alert and drive safely if they want to pay less. Use these tips to drive safely:

Winter tires are a must: The city is known for its significant snowfall and treacherous winter road conditions.
Winterize your vehicle: With temperatures getting as low as -30 degrees, it’s especially important to winterize your vehicle.
Watch out for lane reversals: There are a number of areas where lane reversals are in effect. Pay attention to which lanes are open.
Avoid hitchhikers: Hitchhiking is not allowed on major highways or within city limits.
Drive safe on Deerfoot Trail: Expect delays and traffic on Deerfoot Trail, the region’s busiest road.
Watch out for wildlife: Wildlife frequently crosses busy streets and highways in and around the city.
Check the road conditions before driving: Get traffic reports and road closure information on the City of Calgary website. This will help you avoid congestion, accident scenes, and get to your destination quicker.

Calgary car insurance FAQs

Why is car insurance in Calgary more expensive?

Calgary drivers have some of the highest car insurance premiums not only in the province but in all of Canada. As a major city, large traffic volume and unpredictable weather in the region increase risk. Insurance companies use this information when assessing your rates.

The city also has one of the highest instances of vehicle theft in the country. These factors, among others such as age, vehicle type, and driving record, increase how much you will pay your insurance company for coverage.

Does credit impact car insurance in Calgary?

It can. Having a history of poor credit can affect how much you pay for car insurance in Calgary. You are viewed as being more likely to miss a payment. How much your credit will affect your fees depends on your specific situation and your insurance company.

What is the cheapest car insurance provider in Calgary?

There isn't a particular car insurance provider that has the cheapest rates in Calgary. There are many things that determine how much your premium will be. The insurer that offers the lowest price depends on your needs and situation. Comparing quotes from multiple providers is the most effective way to find the most affordable rate.

Who determines Calgary car insurance rates?

Calgary auto insurance rates are set by the Automobile Insurance Rate Board (AIRB). They manage the Grid Rating System to set the maximum premiums insurers can charge.

Why do I need car insurance in Calgary?

You need insurance to protect yourself against driving risks and threats. One accident or having your vehicle stolen could put you at financial risk.

Plus, you are legally required to have a policy to register your vehicle in the province.

Can you get month to month car insurance in Calgary?

No. Insurers do not offer month-to-month car insurance in Calgary or Alberta. You can pay your policy monthly and you are free to make changes to your policy at any time. The shortest policies offered are usually 6-month terms.

Can I get same day car insurance in Calgary?

Yes, people in Calgary can get same day car insurance. Getting a quote only takes a few minutes of your time (if you have all your information handy). Depending on your policy needs, it could be issued on the same day of the request.

Get a quote and find better Calgary car insurance

Comparing car insurance quotes is the best way to find the lowest rates from the top insurance companies in Calgary. Getting a quote is easy and only takes a couple of minutes. Get started by comparing quotes online or speaking with a ThinkInsure advisor. We'll help you save on auto insurance in Calgary and make sure your policy has you covered for all your needs.

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Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2025-07-16

Calgary Car Insurance

Compare the best car insurance quotes in Calgary from Canada's top providers to save more.

Get Calgary car insurance quotes from the leading providers

Are you looking for a better rate on Calgary car insurance?