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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.
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 |
|---|---|---|---|
| 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.
0.04%*
*Based on the previous 12 months as of Apr. 30, 2022.
| 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.
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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