Edmonton Car Insurance: Compare Quotes Online

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

Save with more affordabe car insurance in Edmonton

Car insurance premiums in Edmonton are on the rise. Alberta’s capital city, nicknamed the “Gateway to the North”, is one of Canada’s fastest-growing cities. The continued growth in population and vehicles on the road makes driving in Edmonton more congested. More drivers and commuters lead to traffic delays, greater risks, and more accidents, which potentially means higher car insurance for Edmonton drivers.

Getting the best auto insurance rates in Edmonton doesn’t have to be complicated or expensive. With ThinkInsure, you can compare quotes from the top insurance companies in Alberta. We help Edmonton drivers find the cheapest car insurance and save more. Our advisors will make sure your vehicle is insured properly for a great rate.

What drivers need to know about car insurance in Edmonton

The average cost of car insurance in Edmonton is $2,863 annually, or $239 monthly.
Residents in postal code area T8A have the lowest rates ($2,356), and Southwest Edmonton has the highest rates ($2,932). This illustrates that premiums can range by hundreds of dollars annually based on your neighbourhood.
Premiums are expensive in Edmonton because of the high instances of auto theft, collisions, and traffic volume. These are all contributing factors to the increased risk of claims.

How to compare Edmonton car insurance quotes

Simply follow these easy steps to compare quotes and save more.

1) Start your quote

Begin with some basic info.

2) Driver and vehicle details

Enter your driving and vehicle information.

3) Compare the cheapest quotes

See quotes and discounts from the top providers.

Choose your policy

Choose the lowest rate and confirm the details with our experts.

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Our 5-star reviews from our Edmonton auto insurance customers

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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 auto insurance in Edmonton work?

All Edmonton residents are required to have car insurance to be able to operate a vehicle legally. The rules and regulations for Alberta car insurance apply. The industry is regulated by the Auto Insurance Rate Board (AIRB). No-fault rules apply under DCPD. This means you use your insurer, no matter who is at fault for the collision. You also have the right to sue other drivers for damages.

Rates are determined using the grid rating system for basic coverage. In 2025, there is a 7.5% rate cap on increases for good drivers. Alberta plans to introduce the Care-First auto insurance system in 2027.

Car insurance in Edmonton is a combination of mandatory and optional coverage:

Mandatory coverage

All drivers in Edmonton are required to have car insurance. Drivers are required to have a minimum amount of $200,000 in third-party liability. Without this, you cannot register your vehicle in the province. 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 coverage

You can get optional coverage from any Alberta insurer. Most drivers have more than the minimum requirement of $1 million in third party liability. Many drivers also have collision or comprehensive coverage. Additional coverage options include:

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.

You also have optional Standard Endorsement Forms (SEF), allowing you to personalize your plan. Talk with your insurance company about your options.

Grid rating system

Your basic coverage premium is determined using the grid rating system. Most drivers (about 90%) do not pay grid insurance premiums. The grid system often caps new and young drivers premiums, helping them keep costs down.

ThinkInsure tip: Consider usage-based car insurance to save in Edmonton

Usage-based insurance programs can lower your car insurance premiums based on how you actually drive. Enrolling in such a program could save you as much as 25%. Drive safer and save more on your insurance.

How much is car insurance in Edmonton?

The average cost of auto insurance in Edmonton is $2,863 per year, which is just over $239 per month. Edmonton car insurance costs vary from driver to driver. Rates are determined using many factors, including the grid rating system, where you live, age, driving experience, vehicle type, driving record, and even the insurance company you use.

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

Annually: $2,863
Semi-annually: $1,431.50
Quarterly: $715.75
Monthly: $238.58
Weekly: $55.08
Daily: $7.84

Edmonton auto insurance rates by year

Even though they are increasing, the average annual cost for car insurance has been fairly consistent in Edmonton. Since 2019, rates have only increased by about $250. This is less than in many other cities. Here’s an overview of how rates have changed by year:

Year	Average annual premium
2025	$2,863
2024	$2,187
2023	$2,636
2022	$2,720
2021	$2,560
2020	$2,641
2019	$2,614
Average rate (2019-25)	$2,603

***

Edmonton auto insurance premiums by driver type and record

Insurance rates fluctuate based on your life stage. Generally, younger drivers experience higher premiums than mature drivers, while those with spotless driving records pay less than those involved in collisions or accidents. Edmonton is no different. Younger drivers pay about $800 more annually on average, and those with tickets or accidents see their rates spike significantly.

The following provides a breakdown of typical premium variations influenced by age, demographics, and driving history:

	Average premium	Monthly payment
Driver type
All drivers	$2,863	$239
Young drivers (25 and under)	$3,625	$302
Middle age (25 - 50)	$2,997	$250
Mature/senior drivers (50+)	$2,702	$225
Demographics
Male	$2,945	$245
Female	$2,924	$244
Married	$2,903	$242
Single	$2,996	$250
Driving record
Clean driving record	$2,863	$239
1 ticket with past 3 years	$3,702	$309
1 accident in 3 years	$3,262	$272
1 suspension in 3 years	$3,580	$298

Edmonton drivers can save more by bundling vehicles into the same policy

Significant annual savings are achievable by bundling multiple vehicles under a single policy. Families with several cars can save around $500 per vehicle annually by insuring them all with the same company. Here’s a sample of how much our customers save when they insure multiple vehicles.

	Average rate	Average rate per vehicle	Total savings	Savings per vehicle
1 car	$2,863	$2,863
2 cars	$3,733	$1,867	$996	$498
3 cars	$4,238	$1,413	$1,415	$472

How do Edmonton auto insurance rates compare to other cities?

As the second largest city in Alberta, Edmonton has the second highest auto premiums in the province. Rates are very close to what Calgarians pay per year. Other cities can pay as much as $700 less annually. Here’s how rates compare:

City	Average premium	Monthly payment
Alberta	$2,778	$232
Edmonton	$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

Edmonton car insurance costs by postal code

Location within a city significantly impacts car insurance costs. Your specific postal code and neighbourhood can either raise or lower your premiums. In Edmonton, residents in the postal code area T8A have the lowest rates. Southwest Edmonton has the highest rates.

Area in City of Edmonton	Postal Codes	Avg Premium
Downtown	T5J\|T5K	$2,883
Northeast Edmonton	T5A\|T5B\|T5Y\|T5Z	$2,915
Northwest Edmonton	T5L\|T5E\|T5V	$2,767
Southeast Edmonton	T6K\|T6N\|T6T\|T6K	$2,922
Southwest Edmonton	T6W\|T6E\|T6R	$2,932
West Edmonton	T5T\|T5N\|T5S\|T5R	$2,693
Beverly	T5W	$2,578
Strathcona	T8A	$2,356
Jasper Place	T5M	$2,863

Edmonton car insurance coverage by vehicle brand

Driving habits and vehicle choice significantly impact car insurance rates. Annual premiums can differ by over $800 when comparing domestic cars with luxury brands. Factors contributing to higher insurance costs include theft rates, repair expenses, and vehicle origin, with foreign manufacturers often leading to increased premiums. Here’s how insurance costs for different brands stack up:

Vehicle brand	Premium	Monthly payment
All brands	$ 2,863	$239
Honda	$2,824	$235
Toyota	$2,718	$227
Ford	$2,548	$212
Hyundai	$3,089	$257
Kia	$2,876	$240
GMC	$3,185	$265
Chevrolet	$2,697	$225
RAM	$2,963	$247
Dodge	$2,963	$247
Jeep	$2,996	$250
Subaru	$2,507	$209
Mazda	$2,773	$231
Nissan	$2,714	$226
Volkswagen	$3,007	$251
Mercedes	$3,120	$260
BMW	$3,182	$265
Tesla	$2,441	$203
Audi	$2,788	$232
Lexus	$2,784	$232

How do I get cheap car insurance in Edmonton?

All drivers in Edmonton want to pay less for car insurance. Saving is not as complicated as you think. Here are some ways to find a cheaper rate:

Shop around: You can get quotes online or from our insurance experts. Compare what insurance companies offer.
Drive safe: Keep your driving record clean.
Choose your vehicle wisely: Choose a vehicle that is insurance friendly.
Ask about discounts: There are many discounts you could use to lower your payments. Inquire about them at renewal time.
Use winter tires: You will qualify for a discounted rate.
Bundle: Combine insurance into the same policy for additional savings.
Driver training: Completing a driver training program will help new drivers lower premiums.
Check rates before renewal: Comparing car insurance quotes before you renew allows you to take advantage of cost savings opportunities.

Latest Edmonton car insurance quotes

2025/07/17

Shopper in EDMONTON, AB
Vehicle: Ford F350 SD XLT SUPERCAB 2WD 2000
Aviva	$2,249
Savings from top 4 cheapest quotes	$0

Shopper in EDMONTON, AB
Vehicle: MAZDA MAZDA3 GS 4DR 2010
Aviva	$1,556
Intact	$1,775
Travelers	$2,608
Savings from top 4 cheapest quotes	$1,052

Shopper in EDMONTON, AB
Vehicle: CHEVROLET TAHOE LT 4DR 4WD 2015
Intact	$2,491
Aviva	$2,623
Travelers	$3,451
Savings from top 4 cheapest quotes	$960

Shopper in EDMONTON, AB
Vehicle: TOYOTA COROLLA CE 4DR 2004
Aviva	$1,518
Intact	$1,719
Travelers	$2,244
Savings from top 4 cheapest quotes	$726

Why is car insurance in Edmonton so expensive?

Large cities, like Edmonton, typically have higher premiums because more vehicles are on the road and there are greater risks. There are more accidents, thefts, fraud and more claims. All of these and other factors continue to drive up fees.

Here’s a list of the top factors contributing to more expensive rates:

SUVs and trucks are popular: Like other cities, over three-quarters of the vehicles on Alberta roads are SUVs or trucks. Edmonton is no different. Trucks and SUVs typically cost more for repairs and replacement parts.
The number of drivers is on the rise: Over 1 million licensed drivers are in the Edmonton area (as of March 31, 2024). This number has continued to rise every year.
Traffic congestion: Due to its accelerated growth, the city's roads and highways are some of the most congested in the country. There are more than 670,000 registered vehicles in the city.
Long commutes: According to Statistics Canada, the average commuter time for drivers is 25.6 minutes.
Residents prefer to drive: Around 80% of Edmontonians chose to drive over public transportation and other commuting options.
Vehicle theft is an issue: According to IBC, theft claims costs increased 66% from 2021 to 2023.
High number of collisions: Although the total number of annual collisions is trending down, it was still 20,039 in 2023.

Tips for driving in Edmonton

With over 1 million residents in the city and about 1.5 million people in the metro area, gridlock, congestion, and delays are part of daily driving. Use these tips to drive safely:

Be alert on major roadways: Be on alert for traffic congestion on Kingsway, Yellowhead Trail (Highway 16), Whitemud Drive, and Anthony Henday Drive. They are among the busiest roads in the city.
Invest in winter tires: The city experiences frequent snowfall and has snowy seasons that last longer than most.
Invest in a remote car starter: Temperatures can dip well below zero. A remote starter allows your car to warm up.
Drive safe near bike routes: Watch out for cyclists when driving near the Downtown Bike Network.
Use Edmonton’s ring road: Anthony Henday Drive makes getting around the city easier and avoids congestion on other main streets.
Avoid the city’s busiest intersections: 50th Street and 112th Ave, and 111th Street and 51st Ave are regarded as the two busiest intersections in the city. 111th Street and 23rd Ave, 111th Street and 34th Ave and Stony Plain Rd and 142nd Street are also areas to avoid, especially during rush hour.
Check the traffic conditions before driving: Drivers can use edmontontrafficcam.com to check out live feeds on traffic cameras.

How can Edmontonians better protect their car with insurance?

Getting more than basic car insurance helps Edmonton drivers by adding extra protection for various risks. Here are some additional coverages to consider:

Increase your third-party liability: Alberta has the highest number of weather-related claims, so it’s important to make sure you have enough liability coverage.
Get comprehensive coverage for added protection: The rise of vehicle theft and vandalism makes it worth considering getting comprehensive coverage.
Get windshield coverage: The frigid temperatures, flying stones from trucks, and weather conditions often lead to windshield cracks and the need for replacement.

Edmonton car insurance FAQs

How can I lower my car insurance in Edmonton?

Edmonton drivers need to be proactive to get cheaper car insurance. Be sure to compare quotes regularly, inquire about discounts, increase your deductible, and maintain an accident and ticket-free driving record. These factors can help you get more affordable premiums.

Who offers the best auto insurance in Edmonton?

There isn't a single company that has the best auto insurance in Edmonton. It depends on your coverage needs, driving record, the type of vehicle you drive, and many other factors. Get quotes from multiple providers to increase your chances of finding the best and lowest auto insurance in Edmonton.

How are car insurance rates in Edmonton determined?

Edmonton car insurance rates are set by the Automobile Insurance Rate Board (AIRB) and the Office of the Superintendent of Insurance. These parties regulate the industry in Alberta. Insurance companies must follow the guidelines set out by AIRB when setting premiums.

When should I shop for car insurance in Edmonton?

You can shop for car insurance in Edmonton anytime. It's a good idea to get an estimate when your policy is up for renewal, when you get a new vehicle, and when you make changes to your policy.

Is it cheaper to pay for Edmonton car insurance in full?

Yes. Generally, you will receive a discount for paying your policy in full upfront. You will also save money on interest and administrative fees.

Can I get temporary car insurance in Edmonton?

No. You cannot get temporary car insurance in Edmonton. Some insurers offer 6-month policies. The standard is a one-year policy.

Get a quote and save on Edmonton car insurance

Find the most affordable rates for Edmonton car insurance with ThinkInsure. Comparing quotes from the leading insurance companies is easy and only takes a few minutes. We want to help Edmonton drivers save as much as possible on car insurance. Get started by comparing quotes online or calling us and speaking with an advisor.

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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 Edmonton.

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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