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%.

 
Alberta auto insurance approved rate changes 2022


 

InsurerBasicAdditionalCombinedNew Business DateRenewal Business DateNote
Sonnet Insurance Company2.35%1.44%2.04%07-Apr-2222-May-22 
Aviva Insurance Company of Canada11.15%-3.48%4.98%01-Apr-2201-May-22 
Aviva General Insurance Company2.20%-3.51%0.00%01-Apr-2201-May-22 
Security National Insurance Company2.64%2.32%2.52%01-Apr-2226-May-22 
TD Home and Auto Insurance Company0.54%-6.47%-2.07%01-Apr-2226-May-22 
Primmum Insurance Company3.22%9.44%5.02%01-Apr-2226-May-22 
Co-operators General Insurance Company-2.04%-2.20%-2.11%16-Mar-2215-Apr-22 
Intact Insurance Company0.00%0.00%0.00%15-Mar-2215-Apr-22 
Allstate Insurance Company of Canada0.01%-0.02%0.00%07-Mar-2207-May-22 
Alberta Motor Association Insurance Company0.00%0.00%0.00%01-Mar-2201-Mar-22 
The Personal Insurance Company0.00%0.00%0.00%27-Feb-2228-Apr-22 
Certas Direct Insurance Company0.00%0.00%0.00%27-Feb-2228-Apr-22 
Certas Home and Auto Insurance Company0.00%0.00%0.00%27-Feb-2228-Apr-22 
Federal Insurance Company0.00%0.00%0.00%02-Jan-2202-Apr-22 
Mitsui Sumitomo Insurance Company, Limited0.00%0.00%0.00%02-Jan-2202-Apr-22 
Chubb Insurance Company of Canada0.05%2.41%1.26%02-Jan-2202-Apr-22 
Co-operators General Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Allstate Insurance Company of Canada0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Traders General Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Zurich Insurance Company Ltd0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Intact Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Zenith Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
The Dominion of Canada General Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Millennium Insurance Corporation / La Corporation d’Assurance Millennium0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
The Wawanesa Mutual Insurance Company-0.08%0.03%-0.04%01-Jan-2201-Jan-22 
Security National Insurance Company0.01%0.00%0.00%01-Jan-2201-Jan-22 
TD Home and Auto Insurance Company0.01%0.00%0.00%01-Jan-2201-Jan-22 
Cumis General Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Peace Hills General Insurance Company-6.62%3.36%-2.63%01-Jan-2201-Jan-22 
Optimum West Insurance Company Inc.0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Verassure Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Primmum Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22 
The Wawanesa Mutual Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Sonnet Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Definity Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
S&Y Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Pembridge Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Tokio Marine & Nichido Fire Insurance Co., Ltd.0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Belair Insurance Company Inc.0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Hartford Fire Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Federated Insurance Company of Canada0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Chubb Insurance Company of Canada0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Certas Direct Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Mitsui Sumitomo Insurance Company, Limited0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Continental Casualty Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Security National Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD Implementation
Aviva General Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
The Portage La Prairie Mutual Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Aviva Insurance Company of Canada0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
The Personal Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Alberta Motor Association Insurance Company-9.78%0.00%-7.13%01-Jan-2201-Jan-22 
Northbridge General Insurance Corporation0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Primmum Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD Implementation
SGI CANADA Insurance Services Ltd.-0.06%-0.01%-0.04%01-Jan-2201-Jan-22 
Peace Hills General Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22 
Certas Home and Auto Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Alberta Motor Association Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
SGI CANADA Insurance Services Ltd.0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
XL Specialty Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Unifund Assurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
Facility Association0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD implementation
TD Home and Auto Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD Implementation
Optimum West Insurance Company Inc.0.00%0.00%0.00%01-Jan-2201-Jan-22 
The Sovereign General Insurance Company0.00%0.00%0.00%01-Jan-2201-Jan-22DCPD 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


 

InsurerBasic CoverageAdditional CoverageCombined Rate
Alberta Motor Association Insurance Company5.77%*2.78%*4.88%*
Allstate Insurance Company of Canada0.00%0.01%0.00%
Aviva General Insurance Company0.01%-0.01%0.00%
Aviva Insurance Company of Canada0.02%-0.03%0.00%
Belair Insurance Company Inc.-5.79%6.92%-2.00%
Certas Direct Insurance Company6.91%*0.4%*5%*
Certas Home and Auto Insurance Company0.00%0.00%0.00%
Co-operators General Insurance Company0.00%0.07%0.02%
Definity Insurance Company0.02%-0.03%0.00%
Facility Association0.00%0.00%0.00%
Federated Insurance Company of Canada0.00%0.01%0.00%
Intact Insurance Company-6.28%**-0.08%**-4.06%**
Northbridge General Insurance Corporation0.00%-0.01%0.00%
Peace Hills General Insurance Company0.00%0.00%0.00%
Pembridge Insurance Company0.00%0.00%0.00%
Primmum Insurance Company0.00%0.00%0.00%
S&Y Insurance Company-0.17%-0.06%-0.13%
Security National Insurance Company0.00%0.00%0.00%
SGI CANADA Insurance Services Ltd.0.00%0.00%0.00%
Sonnet Insurance Company4.11%6.86%5.00%
TD Home and Auto Insurance Company0.00%0.00%0.00%
The Dominion of Canada General Insurance Company0.00%1.43%0.57%
The Personal Insurance Company0.00%0.00%0.00%
The Portage La Prairie Mutual Insurance Company0.00%0.00%0.00%
The Wawanesa Mutual Insurance Company2.15%-3.58%0.00%
Tokio Marine & Nichido Fire Insurance Co., Ltd.0.00%2.88%1.81%
Traders General Insurance Company0.03%-0.04%0.00%
Unifund Assurance Company0.00%0.00%0.00%
Verassure Insurance Company0.00%0.00%0.00%
Zenith Insurance Company14.98%-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.

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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