Compare Edmonton Car Insurance Quotes

1-855-550-5515

See all providers

Get lower car insurance rates in Edmonton

All drivers want to save on car insurance in Edmonton. Getting lower rates is becoming more challenging as premiums are on the rise in the city.

Alberta’s capital city nicknamed the “Gateway to the North,” is one of Canada’s fastest growing. 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. This potentially means higher car insurance for Edmonton drivers.

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

Searching for the lowest auto insurance quotes in Edmonton is easy. Get started by comparing rates online or speak with an advisor to get a quote. Keep reading to learn how car insurance works in Edmonton and find out ways you can save more on your policy.

How to compare Edmonton car insurance quotes

Simply follow these easy steps to compare car insurance quotes in Edmonton from multiple companies.

1) Start your quote

Begin with some basic info.

2) Driving and vehicle details

Enter your driving and vehicle information.

3) Compare cheapest quotes

See quotes and discounts from the top providers.

Choose your policy

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

Get Started

5 star auto insurance in Edmonton

Rated 4.7 out of 5 stars in 1192 Google reviews

See what our car insurance customers in Edmonton and other parts Canada are saying about us.

See all reviews

Jay Stewart

2022-03-30 19:49:47

I started at 11 and was done and insured on my car before 3pm today March 30th Wednesday! I’m so excited and ecstatic that I’m back on the road, all thanks to the best man on the team Daryl Fardy! He was even willing to work with me a little extra long, if I needed which we did not. The service was absolutely amazing, I highly recommend Daryl Fardy.

Robert Raymond

2022-03-28 17:29:22

Was provided excellent help from Kimberly Laidis, all my questions and help I needed were provided by her fast and friendly!

jeremy severin

2022-03-24 22:58:07

I called and spoke to Ryan Arcuri To get insurance he went above and beyond because I was going to lose my insurance and in an hour he got me what I needed thanks again

Jay McCulligh

2022-03-23 21:59:36

Great place, quick, easy to deal with, I dealt with Darryl Fardy, very professional!

Russel Baskin

2022-03-23 13:38:02

I was helping my mother insure her car and home with ThinkInsure. Ryan Arcuri was patient and very helpful. He made took us through the steps to get coverage and cancel our existing policy. I would go back to Ryan with any future insurance needs.

Dylan Nash

2022-03-18 02:03:37

Darryl was awesome. Quick easy gave me the best price in town.

Aaliya

2022-03-15 22:24:31

Darryl Fardy made my experience with think insure amazing. He's friendly, informative and dependable. Would definitely recommend him to others.

Stephanie Lewis

2022-03-08 18:12:28

Great service from the get go. Dave answered all of my questions and even found a few mistakes that I made in my initial quote request, which ended up lowering the initial price. He found the best price and I recieved all documents in a timely manner. I would recommend, especially if you are a "high risk" situation, which I was.

How auto insurance in Edmonton works

All Edmonton residents are required to have car insurance to be able to legally operate a vehicle. The rules and regulations for Alberta car insurance apply. The industry is regulated by the Auto Insurance Rate Board (AIRB). A hybrid no-fault and tort system is in effect. 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. Most drivers do not pay grid insurance premiums. New and young drivers are often capped by the grid system. This helps them keep costs down.

Mandatory and optional car insurance coverage in Edmonton?

Car insurance in Edmonton is a combination of mandatory and optional types of coverage. Policies will include the minimum mandatory coverage and can be personalized with various types of optional coverage for more protection.

Mandatory auto insurance

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

Basic policies also include :

Personal Liability and Property Damage (PLPD)
Accident benefits

Optional auto insurance

You can get optional car insurance from any Alberta insurer. Most drivers have more than the minimum requirements - $1 million in third-party liability. Many also have collision or comprehensive.

Additional coverage options include :

Additional PLPD coverage
Additional accident benefits
Collision
Comprehensive
Specified perils

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

How much is car insurance in Edmonton?

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.

The average cost for auto insurance in Edmonton is about $1,500 per year. This works out to just over $100 per month.

Ways to get the cheapest car insurance in Edmonton

Saving is not as complicated as you think. Here are some ways to find a cheaper car insurance rates in Edmonton :

Shop around : Shop for quotes online or with our insurance experts. See what insurance companies have to 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.
Use winter tires : You will qualify for a discounted rate.
Bundle : Combine home and auto 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 rates before you renew allows you to take advantage of cost savings opportunities.

We've got car insurance for all areas in Edmonton

Now the fifth largest municipality in Canada, and the second largest in Alberta, there is no shortage of Edmonton drivers that need a good car insurance policy.

We offer affordable policies for drivers in all city regions and neighbourhoods :

Downtown: Oliver, Garneau, Strathcona
Southwest sector : Heritage Valley, Kaskitayo, Riverbend, Terwillegar Heights and Windermere
Southeast sector : Ellerslie, The Meadows, Mill Woods and Southeast Edmonton
Northwest sector : Big Lake
North sector : Castle Downs, Lake District and The Palisades
Northeast sector : Casselman-Steele Heights, Clareview, Hermitage, Londonderry, and Pilot Sound
West sector : The Grange, Lewis Farms and West Jasper Place

About Edmonton and car insurance

There is a lot of driving and long commutes in Edmonton. This has an impact on auto insurance rates in the city. Claims are on the rise because increased theft and accidents. It's important for Edmonton drivers to make sure their car insurance has them covered to properly. Here are some stats about driving in the city affect premiums and coverage :

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.
The number of drivers is on the rise : There are about 700,000 licensed drivers in the region. This number has continued to rise every year since 2012.
Highway congestion : The city has some of the most congested highways in the country. This is due to the city's accelerated growth.
Long commutes : You can expect commutes that are comparable to other large cities in the country. The average driver spends more than 25 minutes (one way) to get to and from work.
Residents prefer to drive : The city has one of the lowest proportions of public transit use at just 11.3%. Only Quebec has the lowest out of the large cities. Toronto has the highest at 24.3%.
Vehicle theft is an issue : About 12 cars were stolen per day in 2017, there were more than 4,400 vehicles reported stolen in the city.
Collisions on the rise : There were close to 24,000 collisions in 2017. Total collisions increased by 3.3% from the previous year. Fridays have the highest number of collisions on average. Sundays have the fewest.

Things to consider for better Edmonton car insurance

Getting more than basic car insurance in Edmonton helps by adding extra protection for a variety of different risks. Here are some additional coverages to conisder :

Increase your third-party liability : With Alberta having the highest amount of weather related claims, it’s important to make sure you have enough liability coverage.
Get comprehensive 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.

Tips for Edmonton drivers

With close to 1 million residents in the city and about 1.8 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 : It snows frequently in the city and the snowy seasons last longer than most cities.
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 it easier to get around the city and avoid 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 : You can use edmontontrafficcam.com to check out live feeds on traffic cameras.

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.

Why is car insurance in Edmonton so expensive?

Large cities typically have higher premiums. Car insurance in Edmonton is more expensive than in other areas because there are more vehicles on the road. This results in more accidents and more claims. Theft, claims costs, fraud, and other factors continue to drive up fees.

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 getting a new vehicle, and when making changes to your policy.

Is it cheaper to pay 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 competitive rates from in the Edmonton car insurance marketplace. Comparing quotes from the leading insurance companies is easy and only takes a couple of minutes. We want to help Edmonton drivers save as much as possible on car insurance. Get started by comparing quotes online or call us and speak with an advisor.

Start saving now!

Get Started

Insurance Blog And News

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

2022-06-06

Edmonton Car Insurance

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