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Alberta Car Insurance Rate Tracker

Find out which Alberta auto insurance companies had rate increases or decreases this quarter.

Alberta auto insurance rate changes

In Alberta, the Alberta Insurance Rate Board (AIRB) regulates auto insurance rating programs. AIRB makes rate changes publicly available and publishes them on a quarterly basis. We keep track of the approved changes from each of the last four quarters (one year) to help you keep an eye on the latest Alberta auto insurance rate trends.

Quickly and easily view each company's approved rate changes for the last year with the RATESDOTCA Alberta Auto insurance Rate Tracker.

Full or simplified filing

With a “full filing” the insurance company is required to send more detailed information, such as actuarial data to support the required rate changes. A full filing is required when there are things like rate changes and underwriting changes being implemented.

With a “simplified filing” the insurance company isn’t required to provide as much information, as long as there has been a “full filing” submitted to AIRB within the last three years and the rate increase being applied for is not over 5%.

Insurer Name Approved Rate Change* New Business Date Market Share
Alberta auto insurance approved rate changes 2022
Insurer Basic Additional Combined New Business Date Renewal Business Date Note
Sonnet Insurance Company 2.35% 1.44% 2.04% 07-Apr-22 22-May-22
Aviva
Insurance Company of Canada
11.15% -3.48% 4.98% 01-Apr-22 01-May-22
Aviva General Insurance Company 2.20% -3.51% 0.00% 01-Apr-22 01-May-22
Security
National Insurance Company
2.64% 2.32% 2.52% 01-Apr-22 26-May-22
TD Home and Auto Insurance Company 0.54% -6.47% -2.07% 01-Apr-22 26-May-22
Primmum
Insurance Company
3.22% 9.44% 5.02% 01-Apr-22 26-May-22
Co-operators General Insurance Company -2.04% -2.20% -2.11% 16-Mar-22 15-Apr-22
Intact
Insurance Company
0.00% 0.00% 0.00% 15-Mar-22 15-Apr-22
Allstate Insurance Company of Canada 0.01% -0.02% 0.00% 07-Mar-22 07-May-22
Alberta
Motor Association Insurance Company
0.00% 0.00% 0.00% 01-Mar-22 01-Mar-22
The Personal Insurance Company 0.00% 0.00% 0.00% 27-Feb-22 28-Apr-22
Certas
Direct Insurance Company
0.00% 0.00% 0.00% 27-Feb-22 28-Apr-22
Certas Home and Auto Insurance Company 0.00% 0.00% 0.00% 27-Feb-22 28-Apr-22
Federal
Insurance Company
0.00% 0.00% 0.00% 02-Jan-22 02-Apr-22
Mitsui Sumitomo Insurance Company, Limited 0.00% 0.00% 0.00% 02-Jan-22 02-Apr-22
Chubb
Insurance Company of Canada
0.05% 2.41% 1.26% 02-Jan-22 02-Apr-22
Co-operators General Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Allstate
Insurance Company of Canada
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Traders General Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Zurich
Insurance Company Ltd
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Intact Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Zenith
Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
The Dominion of Canada General Insurance
Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Millennium
Insurance Corporation / La Corporation d’Assurance Millennium
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
The Wawanesa Mutual Insurance Company -0.08% 0.03% -0.04% 01-Jan-22 01-Jan-22
Security
National Insurance Company
0.01% 0.00% 0.00% 01-Jan-22 01-Jan-22
TD Home and Auto Insurance Company 0.01% 0.00% 0.00% 01-Jan-22 01-Jan-22
Cumis
General Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Peace Hills General Insurance Company -6.62% 3.36% -2.63% 01-Jan-22 01-Jan-22
Optimum
West Insurance Company Inc.
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Verassure Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Primmum
Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22
The Wawanesa Mutual Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Sonnet
Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Definity Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
S&Y
Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Pembridge Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Tokio
Marine & Nichido Fire Insurance Co., Ltd.
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Belair Insurance Company Inc. 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Hartford
Fire Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Federated Insurance Company of Canada 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Chubb
Insurance Company of Canada
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Certas Direct Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Mitsui
Sumitomo Insurance Company, Limited
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Continental Casualty Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Security
National Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD Implementation
Aviva General Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
The
Portage La Prairie Mutual Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Aviva Insurance Company of Canada 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
The
Personal Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Alberta Motor Association Insurance Company -9.78% 0.00% -7.13% 01-Jan-22 01-Jan-22
Northbridge
General Insurance Corporation
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Primmum Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD Implementation
SGI
CANADA Insurance Services Ltd.
-0.06% -0.01% -0.04% 01-Jan-22 01-Jan-22
Peace Hills General Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22
Certas
Home and Auto Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Alberta Motor Association Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
SGI
CANADA Insurance Services Ltd.
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
XL Specialty Insurance Company 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Unifund
Assurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
Facility Association 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation
TD
Home and Auto Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD Implementation
Optimum West Insurance Company Inc. 0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22
The
Sovereign General Insurance Company
0.00% 0.00% 0.00% 01-Jan-22 01-Jan-22 DCPD implementation

*Direct Compensation for Property Damage (DCPD) will replace the property damage portion of the third party liability coverage on your automobile insurance policy effective January 1, 2022. Vehicle owners will work directly with their own insurer instead of the other party's insurer in the event of an accident.

Weighted Average of Approved Alberta Auto Insurance Rate Change For Private Passenger Vehicles

0.04%*

*Based on the previous 12 months as of Apr. 30, 2022.

Alberta auto insurance approved rate changes 2021
Insurer Basic Coverage Additional Coverage Combined Rate
Alberta Motor
Association Insurance Company
5.77%* 2.78%* 4.88%*
Allstate Insurance Company of Canada 0.00% 0.01% 0.00%
Aviva General Insurance Company 0.01% -0.01% 0.00%
Aviva Insurance Company of Canada 0.02% -0.03% 0.00%
Belair Insurance Company Inc. -5.79% 6.92% -2.00%
Certas Direct Insurance Company 6.91%* 0.4%* 5%*
Certas Home and Auto Insurance Company 0.00% 0.00% 0.00%
Co-operators General Insurance Company 0.00% 0.07% 0.02%
Definity Insurance Company 0.02% -0.03% 0.00%
Facility Association 0.00% 0.00% 0.00%
Federated Insurance Company of Canada 0.00% 0.01% 0.00%
Intact Insurance Company -6.28%** -0.08%** -4.06%**
Northbridge General Insurance Corporation 0.00% -0.01% 0.00%
Peace Hills General Insurance Company 0.00% 0.00% 0.00%
Pembridge Insurance Company 0.00% 0.00% 0.00%
Primmum Insurance Company 0.00% 0.00% 0.00%
S&Y Insurance Company -0.17% -0.06% -0.13%
Security National Insurance Company 0.00% 0.00% 0.00%
SGI CANADA Insurance Services Ltd. 0.00% 0.00% 0.00%
Sonnet Insurance Company 4.11% 6.86% 5.00%
TD Home and Auto Insurance Company 0.00% 0.00% 0.00%
The Dominion of Canada General Insurance
Company
0.00% 1.43% 0.57%
The Personal Insurance Company 0.00% 0.00% 0.00%
The Portage La Prairie Mutual Insurance
Company
0.00% 0.00% 0.00%
The Wawanesa Mutual Insurance Company 2.15% -3.58% 0.00%
Tokio Marine & Nichido Fire Insurance
Co., Ltd.
0.00% 2.88% 1.81%
Traders General Insurance Company 0.03% -0.04% 0.00%
Unifund Assurance Company 0.00% 0.00% 0.00%
Verassure Insurance Company 0.00% 0.00% 0.00%
Zenith Insurance Company 14.98% -13.78% 0.00%
Zurich Insurance Company Ltd -0.07% -8.09% -2.71%

* Approved prior to October 29, 2020 legislative change announcements.

** Full filing was approved for new business starting on 2021-09-01 and renewal business starting on 2021-10-01 is to convert Royal & Sun Alliance Insurance Company of Canada’s (RSA) book of business to Intact Insurance Company’s rating program for private passenger vehicles.

The data used is courtesy of the Alberta Auto Insurance Rate Board (AIRB). The amounts shown are percentage changes in each carrier's average rate approved each quarter.

This chart represents a small sample of the insurance carriers in Alberta; however, the providers listed are the ones who in the last year had a rate change approved. Errors and omissions are unintentional. Additionally, the rate changes listed are the average for the company. An insured person could see their rates increase or decrease more or less than indicated.

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Save on Alberta auto insurance

Standard car insurance policies are one year long. If your renewal date is approaching, remember that comparing car insurance rates is the best way to save money – you never know how much you’ll save until you comparison shop. Another great time to look for a new car insurance policy is when you buy a new vehicle or move to a new neighbourhood.

To make sure you’re getting the most competitive rates, compare Alberta car insurance quotes today!

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