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Updated November 15, 2023
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:
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| 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. |
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.
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.
(how Grande Prairie compares to the 3 most expensive and 3 cheapest cities in Alberta)
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.
| 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 |
|
Quotes comparison |
1-855-821-7312 |
100-360 Adelaide St W, Toronto, ON M5V 1R7 |
|
|
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 |
|
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 |
|
|
Westland Insurance |
Insurance broker |
780-538-1180 |
10525 100 Ave 2nd floor, Grande Prairie, AB T8V 0V8 |
To mitigate some of the factors listed above and avoid paying an unnecessarily high insurance rates, consider the following:
Need more information on Grande Prairie car insurance? We got you covered.
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.
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.
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.
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:
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.
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).
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.
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