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Find Cheap Car Insurance in Grande Prairie

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Economical
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Written By Joel Kranc

Contributing writer

Updated

Car insurance in Grande Prairie

If you live in Grande Prairie, Alberta, you already know about the natural beauty and national parks that surround you. Getting around to them is another story, however. Alberta can be an expensive place to drive. Car insurance – the basic kind, which includes accident benefits and third-party liability – is mandatory by law. And there is a fine for not carrying it – from $2,500 to $10,000, to be exact.

Alberta has created a maximum amount that can be charged for basic coverage. While there is no maximum amount set for additional coverage (because it is not mandatory), the Automobile Insurance Rate Board (AIRB) regulates car insurance rates in Alberta.

Alberta has also moved to a direct compensation for property damage (DCPD) system. Under this system, drivers will claim vehicle damage for which they are not responsible through their own insurance companies, rather than the insurers of the at-fault drivers.

If you are a driver in Grande Prairie, experienced or not, and want more information, you could consult:

  • An insurance broker. Someone who sells car insurance on behalf of multiple companies.
  • An insurance agent. Someone who sells car insurance and only represents one company.
  • A direct writer. A person or company that sells their own brand of insurance.
  • A quote comparison website. Sites like RATESDOTCA, which allow you to compare the cheapest auto insurance rates in your area, quickly and efficiently.

Recent auto insurance quotes in Grande Prairie

Recent Auto Insurance Quote from GRANDE PRAIRIE, ALBERTA
Male, Age 50
2014 DODGE/RAM JOURNEY SE 4DR 2WD
April 20, 2024
Cheapest Quote
$ 107 / month
$1,280 / year
Average Quote
$ 192 / month
$2,302 / year
Savings
$ 85 / month
$1,022 / year
or
44.40 %
Recent Auto Insurance Quote from GRANDE PRAIRIE, ALBERTA
Male, Age 23
2018 MERCEDES-BENZ C300 4MATIC 4DR
April 20, 2024
Cheapest Quote
$ 303 / month
$3,638 / year
Average Quote
$ 390 / month
$4,679 / year
Savings
$ 87 / month
$1,041 / year
or
22.25 %
Recent Auto Insurance Quote from GRANDE PRAIRIE, ALBERTA
Male, Age 52
2020 KIA SEDONA LX
April 20, 2024
Cheapest Quote
$ 111 / month
$1,332 / year
Average Quote
$ 267 / month
$3,198 / year
Savings
$ 156 / month
$1,866 / year
or
58.35 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

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Mandatory and optional auto insurance in Grande Prairie

Insurance coverage Category Description
Personal liability and property coverage (PLPD) Mandatory

This coverage provides financial aid when you're at fault for an accident. Your insurance will pay the bills of anyone you injured in the accident. (Likewise, your accident benefits will pay for your medical costs.) The minimum you're required to carry is $200,000. This means your insurance company will pay for expenses up to $200,000. Experts often recommend that policyholders increase their coverage to at least $1 million. The liability part of your insurance contract will pay for:

- Medical costs for anyone you've injured

- The cost to repair or replace another person's property

- Legal fees that stem from the accident and finally

- Damages to the injured parties.

Accident benefits Mandatory

This part of your policy covers costs when you or a passenger are in an accident and need medical care. Accident benefits also provide compensation for:

- Lost wages

- Funeral expenses

- Surviving spouses and dependents.

Direct compensation for property damage (DCPD) Mandatory This covers the cost of repairing or replacing your car after you're in a collision you did not cause. If you are 100% not at fault, DCPD will cover 100% of your costs. It's possible to be partially at fault for causing an accident. In this scenario, you'll still receive compensation from DCPD, but it will be a reduced amount. For example, if you're 50% responsible, you'll only receive 50% of your benefit. DCPD has no deductible and filing a claim won't affect your premium in the future. (You can opt to purchase a deductible — this will reduce your premium slightly.)
Collision coverage Optional This helps pay for repairs if you collide with another vehicle or crash into a stationary object. Collision coverage will pay to repair your car if you're at fault for an accident.
Comprehensive coverage Optional This helps pay for repairs if an event other than a collision damages your car (e.g., vandalism or adverse weather). Calgary sits in Alberta's Hailstorm Alley, making it prone to severe summer storms. Hail causes millions of dollars in damage to vehicles each year. Comprehensive insurance will cover this peril.
Named perils Optional This is a cheaper option than comprehensive. It only protects against the perils listed in your policy.
Comprehensive Cover Limited Glass (SEF 13D) Endorsement This limits a vehicle's glass coverage for a reduced premium.
Loss of Use (SEF 20) Endorsement If your car is unusable, this endorsement will pay for temporary transportation. You can use the money for taxis and public transit up to a limit.
Legal Liability for Damage to Non-Owned Automobiles (SEF 27) Endorsement This extends your physical damage insurance to a rental vehicle.
Accident Rating Waiver (SEF 39) Endorsement If you are found responsible for causing an accident, this endorsement prevents your premium from rising. It only applies to scenarios that your insurance company agreed in advance to cover.
Limited Waiver of Depreciation (SEF 43R) Endorsement This endorsement prevents the insurance company from factoring in depreciation when calculating a claim payout. For this endorsement to apply, the damage needs to be caused by an insured event.
Family Protection (SEF 44) Endorsement This is excess coverage for accidents that involve an underinsured driver. This endorsement will cover the total cost of a claim.

How much does car insurance cost in Grande Prairie?

Grand Prairie has one of the lower insurance premium averages in Alberta. According to the RATESDOTCA Insuramap, an average rate for insurance is $1,806 per year or about $150.50 per month, which is 10.2% below the provincial average of $1,991 per year.

The Alberta government has put a pause on car insurance rates, as living and other expenses continued to rise. Anyone renewing rates may still see an increase, as that is not part of the rate freeze. Even with the freeze, average Alberta rates are relatively high. An Ernst & Young Canadian Private Passenger Vehicle Insurance Rate Comparisons Report, released in October 2022, said that Albertans pay the highest rates in the country.

Grand Prairie, however, is small, at about 68,000 citizens, and is not as congested or densely populated as cities such as Calgary or Edmonton, which could be why its rates are lower.

How Grande Prairie car insurance rate compares to other nearby cities

As a smaller, more rural part of the province, Grande Prairie’s auto insurance rates are on the low end of the spectrum for Alberta cities.

With an average rate of $1,806 per year, Grande Prairie is 10.2% below the provincial average of $1,991 per year. Other larger cities like Calgary and Edmonton pay much higher premiums. Calgarians pay an average of $2,230 per year, while people in Edmonton pay $2,124 per year, which is 10.7% and 6.7% higher than the provincial average, respectively.

Sylvan Lake is one of the cheapest places for car insurance in Alberta. People there pay an average of $1,712 per year, which is 16.3% lower than the provincial average and 5.5% below Grande Prairie’s average.

Car insurance in Alberta comparison

(how Grande Prairie compares to the 3 most expensive and 3 cheapest cities in Alberta)

Estimated annual premium in 2022 % difference compared to Grande Prairie

Alberta’s average car insurance premium

$1,991

+9.3%

Calgary

$2,230

+19.0%

Edmonton

$2,124

+15.0%

Olds

$1,849

+2.3%

Grande Prairie

$1,806

--

Lacombe

$1,767

-2.2%

Sturgeon County

$1,724

-4.7%

Medicine Hat

$1,722

-4.8%

Average insurance premium numbers are according to data from RATESDOTCA Insuramap (gathered in 2022).

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.

Which companies offer car insurance quotes in Grande Prairie?

Company name Company type Phone number Address

Broker Age General Insurance

Insurance broker

780-228-2222

11725 105 St, Grande Prairie, AB T8V 8L1

Crystal Clear Insurance Brokers

Insurance broker

780-539-6008

111-10530 117 Ave, Grande Prairie, AB T8V 7N7

HUB International

Insurance agency

780-513-5300

101-9906 106 St, Grande Prairie, AB T8V 8G1

InsuranceHotline.com

Quotes comparison

1-855-821-7312

100-360 Adelaide St W, Toronto, ON M5V 1R7

LowestRates.ca

Quotes comparison

1-855-487-6911

401-1910 Yonge St, Toronto, ON M4S 3B2

MMI Insurance

Insurance agency

1-866-222-6996

101-9901 97 Ave, Grande Prairie, AB T8V 0N2

Neil and Associates

Insurance broker

780-539-5943

10715 102 St, Grande Prairie, AB T8V 2X1

RATESDOTCA

Quotes comparison

1-844-726-0907

100-360 Adelaide St W, Toronto, ON M5V 1R7

Scoop Insurance

Insurance broker

1-866-456-6620

22-300 Lincoln St, Welland, ON L3B 4N4

Westland Insurance

Insurance broker

780-538-1180

10525 100 Ave 2nd floor, Grande Prairie, AB T8V 0V8

Factors that affect your Grande Prairie car insurance premium

There are many factors that can affect your auto insurance rate in Grande Prairie. Here are some of the biggest ones:

  1. Your driving record & habits. Past driving records matter to insurance providers. They will use the infractions, tickets and demerit points you may have incurred as an indicator of future behaviour, increasing your auto insurance rates as a result.

    It’s best to drive safely and consistently, since a clean record will inevitably help you reduce rates in the long run.

  2. Your vehicle. Different cars can garner different auto insurance rates. Vehicles that have anti-theft devices, anti-lock brakes, four-wheel drive and other safety features can help you reduce risks and rates.

    Also, expensive high-performance cars, for example, that cost a lot to repair and maintain can add costs to insurance as well.

    Car insurance companies in Canada rely on the Canadian Loss Experience Automobile Rating (CLEAR) system to assess vehicles, so give it a look, if you’d like to see where your car fits.

  3. Where you live. Location, location, location. It’s true for real estate and car insurance. A densely populated area with congested streets, for example, can be risky for drivers, and could lead to high insurance rates. Also, if you live in a high-crime neighbourhood where theft and vandalism are prevalent, you may see higher rates due to those risks.

  4. Your age & gender. Most auto insurance companies in Grande Prairie look at age and inexperience as risk factors. A younger driver (usually male) under the age of 25 will pay higher rates than an experienced driver in their 40s. There’s not much you can do about this initially, but maintaining a clean record and driving consistently will eventually help bring rates down as you gain experience.

Tips on how to get cheap car insurance in Grande Prairie

To mitigate some of the factors listed above and avoid paying an unnecessarily high insurance rates, consider the following:

  • Compare insurance rates. Comparison shopping is a great way to find the cheapest car insurance rates in Grande Prairie. Sites like RATESDOTCA provide the most up-to-date rates from the top providers in the area. It’s free and simple to use.
  • Drive safely & ensure a clean record. Good driving habits are always rewarded by car insurance companies. Maintaining a clean and consistent record shows providers that you are a low risk. This can help get you insurance discounts over time.
  • Drive a ‘safer’ car. The less likely your car is to be stolen or cause an accident, the more you can save on auto insurance. So-called ‘safe cars’ are those that offer features such as anti-lock brakes, snow tires, anti-theft systems and driver assist. The low risk associated with them will make it less likely that you’ll file a claim, helping you reduce your auto insurance rates.
  • Bundle all your insurance policies. If you have insurance with many different providers, it makes sense to bundle them. Putting your car and home insurance under one company’s services will help you receive discounts as a thank you for your loyalty.

    Discounts for bundled insurance policies can shave off a good portion of your premium – almost a quarter, in some cases. Plus, by going with one company, you get to streamline your payment and renewal processes, making your life easier.
  • Be selective about your coverage. Not all coverage is mandatory or necessary. If you are an occasional driver, and at a low risk of accidents, you might consider basic coverage. On the other hand, drivers who commute every day may need more comprehensive coverage. Also consider the age of your vehicle. Older cars may not have much value, and thus, something like a collision coverage may no longer be necessary due to the cost not outweighing the payout.
  • Have consistent driving history. A consistent driving history can help build a driving record. So long as you are safe and maintain a clean record, you will be considered a low risk and be able to receive lower rates for your good habits.
  • Try a usage-based insurance program. Usage-based insurance (or UBI) can significantly lower your insurance rate, provided you drive safely.

    For this type of insurance to work, you’ll need to either download a mobile app or attach a device to your car that will then monitor how you drive. This includes measuring your speed, acceleration, braking, time of day and so on. The results will determine how ‘good’ of a driver you are and dictate your premium accordingly.

Frequently asked questions about car insurance in Grande Prairie

Need more information on Grande Prairie car insurance? We got you covered.

Which cars are the cheapest to insure in Grande Prairie?

It’s no secret that some cars are cheaper to insure than others. Grande Prairie drivers of older-model and pre-owned vehicles tend to pay less due to lower replacement or repair costs. This can also be true of automobiles with high safety ratings. Who tends to pay more? Drivers of cars with higher rates of collision or theft, including newer luxury and sports models with lots of high-tech options.

Which company has the cheapest car insurance in Grande Prairie?

It’s difficult to say who has the cheapest car insurance in Grande Prairie. Each situation is different as your insurance needs, vehicle and location may be different from someone else's.

It’s best to comparison shop on sites like RATESDOTCA to find the cheapest rates from top providers. In a just few simple clicks, you can procure up-to-date rates for your area and specific situation.

Can I get month-to-month car insurance in Grande Prairie?

Month-to-month car insurance is not available in Grande Prairie. Most insurance providers require a year-long policy at the very least. For shorter-term needs, consider renting and only paying for the time you need, or adding on to another policy from someone you know or belongs to your household.

How do I get car insurance as a new driver in Grande Prairie?

The best way to get car insurance as a new driver in Grande Prairie is to talk to brokers or agents and look at sites like RATESDOTCA to comparison shop. Unfortunately, as a new driver, price may be a factor that’s difficult to overcome (at least, at first). Consider the following:

  • Drive under the same policy as your parent or guardian. Once you have a G or G2 license, you can drive under the same policy as your parent or guardian. To keep costs down, you can drive their vehicle rather than buying your own.
  • Enroll in a driving course. A driving certificate is looked at favourably by insurance providers. The extra education not only instills defensive driving habits and knowledge, but also lowers the risks of an accident or infraction.
  • Drive regularly. How often you drive and how safe you are is something insurance providers look at all the time. Having a safe and consistent history helps establish a clean driving record.

What if I’m a new driver, but a little on the older side?

Because you are inexperienced, you will still face higher rates without a long driving record. Follow your younger counterparts and build a safe record, take courses to reduce rates, and consider driving under someone else’s policy. Eventually discounts and rate reductions will come.

Is ridesharing insurance available in Grande Prairie?

Grande Prairie has ridesharing services such as Uber and TappCar.

Many of these companies offer insurance coverage to their drivers. For example, as of 2020, Uber provides commercial insurance by Economical Insurance in Ontario, Quebec and Alberta. Drivers receive:

$2 million of uninsured/underinsured motorist coverage, $2 million of third-party liability coverage, loss or damage to a vehicle and coverage between trips. The insurance provides $1 million of third-party liability coverage if your insurer denies coverage.

Just remember to always inform your insurance provider of your plans to become a driver for a ridesharing app, even if the app offers coverage. Not doing so could void your personal auto insurance policy (and having one is a prerequisite for rideshare drivers).

Shop around for Grande Prairie car insurance today with RATESDOTCA

It’s never been simpler to get cheap auto insurance in Grande Prairie. RATESDOTCA can help you find car insurance at the rate that best fits your needs and budget. By using our online comparison tool, you can compare quotes from more than 50 of Canada’s top insurance companies, within minutes.

*Represents the average saved by shoppers who obtained a Grande Prairie quote on RATESDOTCA and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.

Joel Kranc ,
Writer

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."

Education
  • Master's of Political Science, University of Toronto
Featured in
  • Benefits Canada
  • Institutional Investor
  • Plan Sponsor Magazine
  • Global Finance Magazine
  • Infrastructure Investor
  • Private Equity Investor
  • The Globe and Mail
  • Fund Directions Newsletter
  • BenefitsPRO
  • HR Professional
  • Advisor's Edge
  • Institutional Investor
  • Employee Benefit Advisor
  • Investing in Infrastructure Magazine (i3)

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