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Updated
Car insurance in Airdrie, and Alberta in general, has gone through some big changes. As of January 2022, the province is on a no-fault insurance system, enabling direct compensation for property damage (DCPD). This allows no-fault drivers to call their own insurance companies for repairs.
Other changes for drivers included enabled innovative insurance options such as pay-per-kilometre and greater flexibility for providers in applying usage-based insurance (UBI).
Car insurance in the province is mandatory and the Automobile Insurance Rate Board (AIRB), which regulates insurance in the province, has established a maximum amount that can be charged for basic coverage. This is known as a grid system.
When you become a licensed driver in Alberta, you start out at a grid rate of zero. At-fault accidents, where there is property damage or bodily injury, will result in your grid rate increasing by five. Every year you remain accident-free, your grade rate goes down by one. The longer you go without an accident, the lower your grid rating and the cheaper your Airdrie insurance will be.
The AIRB has statutory authority to approve, reject or require changes to Alberta automobile insurance companies’ premium rating filings.
There are many ways to get insurance quotes in Airdrie and knowing which way works best for you can make a huge difference in finding the cheapest and most useful policy possible.
Some of those ways include:
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| Coverage | Designation | Description |
|---|---|---|
| Third-party liability | Mandatory | Coverage for when you're found responsible for an accident that causes injury or damage to someone else. |
| Accident benefits | Mandatory | Covers the cost of medical care for you and your passengers. Coverage extends to rehabilitation, funeral expenses, death benefits, and income replacement. |
| Direct compensation for property damage (DCPD) | Mandatory | Covers the cost of replacing your vehicle and pays for replacement transportation costs. You receive the benefit if you were not at fault for causing the accident. Partially at-fault drivers may still qualify for DCPD. Their benefit will be proportionate to the percentage of fault allocated to them. There’s no deductible for this coverage, however you can ask one in exchange for a slightly lower premium. |
| Collision | Optional | Will pay to repair or replace your car if it's involved in a collision with an object other than a car. Carries a deductible. |
| Comprehensive | Optional | Will cover damage to your car caused by something other than a collision. Insurable perils include falling objects, vandalism, theft, and fire. Carries a deductible. |
| Specified perils | Optional | Covers the same types of perils as comprehensive insurance. You must specify which ones you want coverage against. Carries a deductible. |
| Comprehensive Cover Limited Glass (SEF 13D) | Endorsement | Reduces the amount of coverage for glass damage in your policy. In return, you get a lower premium. |
| Loss of Use (SEF 20) | Endorsement | Compensation for transportation costs (taxis and public transportation), up to a pre-determined limit. You'll only get this benefit if your vehicle is damaged due to a loss covered by your policy. |
| Legal Liability for Damage to Non-Owned Automobiles (SEF 27) | Endorsement | Extends physical damage coverage (and deductible) to rental cars. |
| Accident Rating Waiver (SEF 39) | Endorsement | Prevents your premium from increasing after an at-fault accident. |
| Limited Waiver of Depreciation (SEF 43R) | Endorsement | This waives depreciation on the repair or replacement of a new vehicle. Only applicable if an insurable peril damages it. |
| Family Protection (SEF 44) | Endorsement | Protects you if you’re involved in a collision with an underinsured or uninsured driver. The Family Protection endorsement will bridge the gap if the costs exceed the other driver’s insurance benefit. |
Car insurance rates in Airdrie average $1,743 per year, which is 10.7% below the provincial average of $1,557 per year and one of the highest in the province, behind only Blackfalds, Tsuut’ina and Fitzgerald.
Cities like Calgary and Edmonton have surprisingly lower average insurance rates in 2023, sitting at $1,741 and $1,586 per year, respectively.
Overall, however, Alberta average insurance premiums are lower in 2023 than they were in the previous years, such as 2021. Airdrie, for example, had an annual rate of $2,000 that year, while Alberta as a whole had a rate of $1,991. These cheaper rates are likely due to the recent rate freeze, instituted by the AIRB. The other culprit is probably the fact that the rates had gone down during the pandemic due to fewer people driving, and thus, fewer accidents and claims. Combined with the rate freeze, the rates are cheaper than they’ve been in a long while in the province.
In fact, it’s the opposite of what’s happening in Ontario, where there is no rate freeze. The average annual premium there has gone up in 2023, to $1,744, and is now higher than Alberta’s average, which wasn’t the case in the previous years.
As for Airdrie’s high ranking within Alberta itself – part of the reason for this is that Airdrie is located on the Queen Elizabeth II Highway (Highway 2), which links Calgary and Edmonton, and is part of the Calgary metro area. This part of the province tends to be highly congested, with high claims histories and the possibility for thefts or vandalism.
(how Airdrie compares to 6 other most expensive cities in Alberta)
Average insurance premium numbers are according to data from RATESDOTCA Insuramap (gathered in 2023).
Note: The rates above may not apply to you, as they are based on a specific profile. Be sure to learn more about our methodology.
| Company name | Company type | Phone number | Address |
|---|---|---|---|
|
Airdrie Family First Insurance |
Insurance agency |
403-980-7456 |
101-132 1 Ave NW, Airdrie, AB T4B 3H4 |
|
Airdrie Insurance Centre |
Insurance agency |
403-948-7327 |
128 Edmonton Trail SE, Airdrie, AB T4B 1S2 |
|
A-WIN Insurance Ltd. |
Insurance agency |
403-945-8885 |
502-2903 Kingsview Blvd SE, Airdrie, AB T4A 0C4 |
|
BrokerLink |
Insurance broker |
403-948-7327 |
2-128 Edmonton Trail SE, Airdrie, AB T4B 1S2 |
|
Quotes comparison |
1-855-821-7312 |
100-360 Adelaide St W, Toronto, ON M5V 1R7 |
|
|
Kensington Insurance Services |
Insurance broker |
403-980-4670 |
128 Edmonton Trail NE, Airdrie, AB T4B 1S1 |
|
Quotes comparison |
1-855-487-6911 |
401-1910 Yonge St, Toronto, ON M4S 3B2 |
|
|
Parklane Insurance Brokers |
Insurance broker |
403-768-0690 |
532 1 Ave NE #101, Airdrie, AB T4B 1S1 |
|
Quotes comparison |
1-844-726-0907 |
100-360 Adelaide St W, Toronto, ON M5V 1R7 |
|
|
Insurance broker |
1-866-456-6620 |
22-300 Lincoln St, Welland, ON L3B 4N4 |
To mitigate some of the factors listed above and avoid paying an unnecessarily high insurance rate in Airdrie, or anywhere else, consider doing the following:
Need more information on Airdrie car insurance? We got you covered.
Every driver has different circumstances. Some have clean histories and live in low-claim areas, and some have histories full of traffic infractions and accidents and live in high-claim areas. That’s why it’s good to comparison shop on RATESDOTCA to see who has the cheapest car insurance in Airdrie for your specific needs.
There are no month-to-month car insurance policies in Airdrie. However, you can get a six-month policy on certain occasions. Note that cancelling or changing policies can be costly, so comparison shop first and see what policy works best for you.
There are also provisions for temporary car insurance for people getting new plates, for example, or if you’re borrowing a car for a short amount of time.
There’s really no difference between new and long-time drivers. You’ll have to talk to an agent, broker or look online – to sites like RATESDOTCA.
Agents and brokers have limitations in the kind of insurance companies they will show you. At RATESDOTCA, we’ll include agencies and multiple brokerages in our digital marketplace, making the playing field much more competitive.
In less than three minutes, you can find rates from over 50 insurance providers in your area, starting with the lowest rate available.
Yes, ridesharing insurance is available in all of Alberta, including Airdrie. Companies like Uber, Lyft, Blacklane and Poparide operate in this city. Commercial insurance is available any time the driver logs into the app. When you’re not logged on, your personal insurance kicks in instead.
Shopping around for the best insurance rates is a great way to keep your transportation costs in check. That’s where we come in. RATESDOTCA lets you compare Airdrie auto insurance quotes from multiple insurance companies in a matter of minutes. If you’re ready to start comparing now, simply enter your postal code and we’ll get to work finding you the best possible price on your Airdrie auto insurance rates.
*Shoppers in Alberta who obtained a quote on RATESDOTCA and transacted via our contact centre from January to December 2021 saved an average amount of $736. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by RATESDOTCA.
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
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