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Written by Nolan Wilson Updated on September 11, 2025 min read

Are you looking for the best 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 called Cowtown and home to the world-famous Calgary Stampede, the city has Alberta's highest auto insurance premiums and some of the highest overall in Canada.

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.

Get started by comparing quotes online, or call us, and our friendly advisors will be happy to help you. It only takes a couple of minutes to get a quote and save on auto insurance in Calgary.

Top things to know about Calgary car insurance coverage

The average cost of car insurance in Calgary is $2,867 annually, the highest in Alberta.
Premiums are as low as $2,660 in the T2P postal code area and as high as $3,430 in the T3N postal code area.
Rates are so expensive in Calgary because of the high instances of auto theft, collisions, traffic volume, and the number of younger drivers.

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 1530 Google reviews

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

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Raghav Gupta

2025-08-11

I am pretty happy with their services. This my second year through them and I came across an agent Anuraag Jassal Web Customer Service Broker He is the best advisor I ever talked to in my last 7 years of experience. He reviewed my policies and helped me correct some errors which has decreased my premium to almost half. He helped me understand how to read our policy correctly and went over different clauses in detail while deciding on buying a new car etc. I wish there was a way to go and personally meet him as I am going through a rough patch and all the help he has given me in the last month on multiple matters is just amazing. He is actually doing his job and seems like he loves it. Thanks Anuraag Jassal.

Pina Battaglia

2025-08-06

Sohel was amazing. Made the initial process quick and seamless. Very knowledgeable, courteous and friendly.

Ma emma Bergonio

2025-08-05

Sohel is very helpful when it comes to finding the best rate and coverage.

Galit Moroz

2025-08-02

I highly recommend Todd as an insurance broker! He was incredibly helpful, always quick to respond to my questions, and ensured I found the best car insurance to fit my needs. His expertise made the process smooth and stress-free.

preeya mistry

2025-07-31

Had the pleasure of working with Dylan. He goes above and beyond. He is so non-judgmental and super helpful. I highly recommend requesting his help when inquiring.

Mason Khoury

2025-07-27

Dealt with Dylan S, who was able to secure me a phenomenal insurance quote within 48 hours of my renewal deadline (current policy was through ThinkInsure). This lad is amazing at what he does, no other way to put it! I have been dealing with ThinkInsure since I was a student in post secondary & they’ve always done their best to make sure I had an affordable policy. If you want an insurance broker who actually goes the “extra mile” & doesn’t simply brush you off as another sales lead, I’d look no further. They’ve got my business for the foreseeable future 🤘🏻

Zack Rowe

2025-07-20

Dylan was great and able to get me on the road

Tala Redrose

2025-07-17

I recently dealt with Sohel Rahman for my car insurance. I highly recommend him. I appreciated his professionalism and his patient. My situation was difficult but he was truly dedicated to finding me the fastest and best possible vehicle's coverage. Natalia

How does Calgary car insurance work?

Auto insurance in Calgary is mandatory, as it is in the rest of the province. Insurance coverage works the same way as the rest of Alberta. You apply for it, assess your options, and choose the level of protection.

Here are the key things you need to know:

Calgary drivers must have minimum car insurance with accident benefits and third-party liability.
Insurance is available through private insurance companies.
Insurers must provide basic coverage to everyone.
The grid system sets maximum mandatory insurance charges, while additional coverage is optional.
Rates are regulated by the Auto Insurance Rate Board (AIRB).
No-fault rules apply under DCPD.
Alberta plans to introduce the Care-First auto insurance system in 2027.

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 they 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:

Third-party liability: Protection if you are sued for damages. Get up to $2 million in coverage.
Direct Compensation Property Damage (DCPD): Covers damage if you are not at fault for a collision.
Accident benefits: Get up to $50,000 in medical expenses not covered by Medicare.

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:

Collision: Covers repairs to your vehicle after you caused a collision.
Comprehensive: It protects your car if it's damaged by something not caused by an accident, such as theft, vandalism, or severe weather.
All perils: Combines collision and comprehensive coverage.
Specified perils: Get coverage for specific threats, such as fire, theft, and weather damage.
Endorsements (SEFs): Used to add, remove, or alter coverage.

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

ThinkInsure tip: Compare auto insurance rates annually to maximize savings

Ensure you're getting the best car insurance rate in Calgary by comparing quotes with a broker annually. A lot can happen in a year, so reviewing your options can lead to the lowest possible premiums and greater savings.

How much does car insurance cost in Calgary?

Calgary's average car insurance premium is about $2,867 annually, or about $239 per month. Car insurance premiums generally tend to be higher than in other Alberta cities. The population, amount of traffic, and risk all affect how providers determine rates.

Here’s a breakdown of premiums by different time frames:

Annually: $2,867
Semi-annually: $1,433.50
Quarterly: $716.75
Monthly: $238.92
Weekly: $55.13
Daily: $7.85

Calgary auto insurance rates by year

Auto insurance rates are on the rise. Average annual rates have been up and down as the provincial government has tried new strategies to control rising premiums. Here’s an overview of how rates have changed by year:

Year	Average annual premium
2025	$2,867
2024	$2,391
2023	$2,713
2022	$2,666
2021	$2,493
2020	$2,609
2019	$2,467
Average rate (2019-25)	$2,601

***

Calgary car insurance premiums by driver type and record

Where you are in your life affects how much you pay for insurance. Younger drivers typically pay more than mature drivers, and people with clean records pay less than drivers with a collision or accident in their history.

Here’s an overview of how your average premium can change by your age, demographics, and driving record:

	Average premium	Monthly payment
Driver type
All drivers	$2,867	$239
Young drivers (25 and under)	$3,276	$273
Middle age (25 - 50)	$2,996	$250
Mature/senior drivers (50+)	$2,444	$204
Demographics
Male	$2,893	$241
Female	$2,811	$234
Married	$2,861	$238
Single	$2,844	$237
Driving record
Clean driving record	$2,867	$239
1 ticket with past 3 years	$3,279	$273
1 accident in 3 years	$3,285	$274
1 suspension in 3 years	$3,883	$324

Combine coverage to save more Calgary auto insurance

Many households have more than one vehicle in the driveway. Combining them in a multi-vehicle policy will help you save hundreds of dollars per year, per vehicle on auto insurance in Calgary. On average, ThinkInsure customers can save about $500 annually by insuring all vehicles with the same provider.

	Average rate	Average rate per vehicle	Total savings	Savings per vehicle
1 car	$2,867	$2,867
2 cars	$3,384	$1,692	$1,175	$587
3 cars	$4,306	$1,435	$1,432	$477

How do Calgary's auto insurance rates compare to other Alberta cities?

Calgary has the most expensive car insurance rates in Alberta. While Edmonton is a very close second, other cities have cheaper average premiums by over $700 annually.

City	Average premium	Monthly payment
Alberta	$2,778	$232
Calgary	$2,867	$239
Edmonton	$2,863	$239
Grande Prairie	$2,403	$200
Lethbridge	$2,363	$197
Red Deer	$2,307	$192
Airdrie	$2,773	$231
Medicine Hat	$1,750	$146
Leduc	$2,751	$229
Fort McMurray	$2,400	$200
Fort Saskatchewan	$2,043	$170
Cochrane	$2,479	$207
Lloydminster	$2,116	$176

Calgary car insurance premiums by postal code

Where you live in a city can influence how much you pay for insurance coverage. Your postal code and neighbourhood could increase or decrease your rates. Average costs are as low as $2,660 in the T2P postal code area and as high as $3,430 in the T3N postal code area. This is a range of close to $800 per year.

Area in City of Calgary	Postal Codes	Avg Premium
Calgary	T3G,T2J,T2R,T2P,T2N T2M,T2L,T2K,T2V,T2H T2G,T2E,T2C,T2B,T2A T3S,T1Y,T3P,T3L,T3K T3J,T3H,T2W,T3E,T3C T3B,T3A,T2Z,T2Y,T2X T2S	$2,825
Northeast	T3N	$3,430
Northwest	T3R	$2,913
South	T2T	$2,768
Downtown	T2G	$2,839
City Centre / Calgary Tower	T2P	$2,660
Calgary (Cranston)	T3M	$3,001

Calgary car insurance coverage by vehicle brand

What you drive matters, and to a great degree. When comparing domestic economy cars to high-end luxury brands, your rates can vary by more than $1,000 per year. Vehicles with higher premiums are typically stolen, are more expensive to repair, or are made by foreign manufacturers. In Calgary, it is generally more affordable to drive a domestic vehicle. See how brands compare:

Vehicle brand	Premium	Monthly payment
All brands	$ 2,867	$239
Honda	$2,838	$237
Toyota	$2,889	$241
Ford	$2,751	$229
Hyundai	$2,947	$246
Kia	$2,789	$232
GMC	$2,660	$222
Chevrolet	$2,914	$243
RAM	$3,057	$255
Dodge	$3,057	$255
Jeep	$3,099	$258
Subaru	$2,480	$207
Mazda	$2,781	$232
Nissan	$2,959	$247
Volkswagen	$2,494	$208
Mercedes	$2,958	$247
BMW	$2,657	$221
Tesla	$3,915	$326
Audi	$3,388	$282
Lexus	$3,334	$278

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

Your car insurance needs will vary depending on where you live in Calgary. Unpredictable weather, high theft rates, and increasing repair and injury claims make it important to have more than the basic amount required to drive legally. Our brokers recommend the following:

Increase third-party liability: Most drivers in the province carry over $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 can also damage them.
Assess coverage needs with a broker: Things change over time. Depending on your situation, you may need to add new coverage, increase plan limits, or even change providers.

What are the top factors that impact Calgary auto insurance rates?

Insurance companies use many factors 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

Shopper in CALGARY, AB
Vehicle: INFINITI QX60 4DR AWD 2015
Aviva	$2,296
Intact	$2,677
Travelers	$3,405
Savings from top 4 cheapest quotes	$1,109

Shopper in CALGARY, AB
Vehicle: DODGE/RAM AVENGER R/T 4DR 2008
Intact	$1,991
Savings from top 4 cheapest quotes	$0

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 them will qualify you for a discount and make driving safer.
Install an anti-theft device: An anti-theft device will qualify you for a discount and make your vehicle less likely to be 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 better grasp 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.

Why is Calgary car insurance expensive?

Woman in car driving with her husband and son

Calgary drivers have some of the highest car insurance premiums in the province and Canada. As a major city, Calgary's large traffic volume, higher collision and theft rates, and unpredictable weather increase risk. Insurance companies use this information when assessing rates.

Car insurance premiums are rising, influenced by increased repair expenses, parts scarcity, and a surge in auto thefts. However, in Calgary, the primary factor contributing to escalating rates is the growing expenditure associated with personal injury claims.

Here is a list of contributing factors that make Calgary car insurance more expensive:

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. This creates a lot of traffic in the region.
Over 1 million licensed drivers: As of 2024, there were 1,119,535 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.
Collisions are increasing: The number of accidents is on the rise. The Calgary Herald reports 2,633 injury collisions in 2023, 219 more than the previous year.
SUVs and trucks reign supreme: Over 75% of the vehicles on the roads are SUVs or trucks. Their size, value, and attractiveness to thieves can increase average premiums.
It is a young city: Calgary has the youngest population of all major cities in Canada. The median age is 36.8. This means many younger drivers are on the road, contributing to higher average premiums.
Highest vehicle theft in Canada: On average, 111 cars and trucks are stolen per week in the city. Thousands of vehicles are stolen per year. According to IBC, theft claims costs increased 59% from 2021 to 2023.
It is a commuter town: 80% of people drive or commute to work. According to Statistics Canada, the average commuter time for drivers is 25.3 minutes.

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. 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: Winterizing your vehicle is especially important with temperatures getting as low as - 30 degrees.
Watch out for lane reversals: Lane reversals are in effect in several areas. Pay attention to which lanes are open.
Choose efficient driving routes: Use Stoney Trail, Deerfoot Trail, Glenmore Trail, and Crowchild Trail to help you navigate the city.
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

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?

The Automobile Insurance Rate Board (AIRB)sets Calgary auto insurance rates. It manages the Grid Rating System to set insurers' maximum premiums. In 2025, there will be a 7.5% rate cap on increases for good drivers.

Why do I need car insurance in Calgary?

First of all, you need insurance because it's the law. 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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Sources

* Based on the difference between the average lowest premium from ThinkInsure quote data for quotes from January 1 to June 5, 2025, and the average premium in Alberta from 2025 AIRB Mid Year Market Report.

** Customer quotes from January 1, 2025, to June 5, 2025.

*** ThinkInsure customer quote data by year for drivers with a clean record, full license, living in Calgary.

Nolan Wilson

Content Marketing Manager

Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.

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