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Updated Aug. 30, 2024
As one of Alberta’s four largest cities, you’ll likely need a car and insurance in the sprawling Rocky Mountain town of Lethbridge.
The process of getting auto insurance in Lethbridge is identical to the process in the rest of the province. In Alberta, basic automobile insurance (accident benefits, third-party liability, and direct compensation for property damage) is required by law. Additional insurance coverage (such as collision and comprehensive) is optional and can be added to your base policy at extra cost.
To ensure basic coverage is affordable and accessible, Alberta has established a maximum that insurance companies can charge drivers. The Automobile Insurance Rate Board (AIRB) regulates automobile insurance rates in Alberta. It oversees rates charged for standard coverages. Insurers can charge what they like for additional coverages that are not mandated by law.
Auto insurance in Lethbridge and the rest of the province is mandatory. Driving without insurance is punishable with a minimum of $2,875 up to $10,000.
| Coverage | Designation | Description |
|---|---|---|
| Third-party liability | Mandatory | Coverage for when you're found responsible for an accident that causes injury or damage to someone else. |
| Accident benefits | Mandatory | Covers the cost of medical care for you and your passengers. Coverage extends to rehabilitation, funeral expenses, death benefits, and income replacement. |
| Direct compensation for property damage (DCPD) | Mandatory | Covers the cost of replacing your vehicle and pays for replacement transportation costs. You receive the benefit if you were not at fault for causing the accident. Partially at-fault drivers may still qualify for DCPD. Their benefit will be proportionate to the percentage of fault allocated to them. There’s no deductible for this coverage, however you can ask one in exchange for a slightly lower premium. |
| Collision | Optional | Will pay to repair or replace your car if it's involved in a collision with an object other than a car. Carries a deductible. |
| Comprehensive | Optional | Will cover damage to your car caused by something other than a collision. Insurable perils include falling objects, vandalism, theft, and fire. Carries a deductible. |
| Specified perils | Optional | Covers the same types of perils as comprehensive insurance. You must specify which ones you want coverage against. Carries a deductible. |
| Comprehensive Cover Limited Glass (SEF 13D) | Endorsement | Reduces the amount of coverage for glass damage in your policy. In return, you get a lower premium. |
| Loss of Use (SEF 20) | Endorsement | Compensation for transportation costs (taxis and public transportation), up to a pre-determined limit. You'll only get this benefit if your vehicle is damaged due to a loss covered by your policy. |
| Legal Liability for Damage to Non-Owned Automobiles (SEF 27) | Endorsement | Extends physical damage coverage (and deductible) to rental cars. |
| Accident Rating Waiver (SEF 39) | Endorsement | Prevents your premium from increasing after an at-fault accident. |
| Limited Waiver of Depreciation (SEF 43R) | Endorsement | This waives depreciation on the repair or replacement of a new vehicle. Only applicable if an insurable peril damages it. |
| Family Protection (SEF 44) | Endorsement | Protects you if you’re involved in a collision with an underinsured or uninsured driver. The Family Protection endorsement will bridge the gap if the costs exceed the other driver’s insurance benefit. |
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Insurance in Alberta can get costly. The average rate in the province is $1,991 per year. The highest premiums can be found in Calgary, at $2,230 per year. Lethbridge drivers, on average, pay a bit less at $1,780 per year. Lethbridge premiums are 11% cheaper than the provincial average and 20% cheaper than Calgary’s average.
| Rank | City | Avg. 2021 premium |
|---|---|---|
| 1 | CALGARY | $2,230 |
| 2 | EDMONTON | $2,124 |
| 3 | AIRDRIE, CHESTERMERE | $2,000 |
| 4 | BLACKFALDS | $1,969 |
| 5 | ST. ALBERT | $1,940 |
| 9 | LETHBRIDGE | $1,780 |
| Insurance companies | Company type | Phone | Address |
|---|---|---|---|
| Allstate Insurance | Insurance Agency | 587-800-5294 | 3115 26 Ave N Unit 20, Lethbridge, AB T1H 5P4 |
| Armour Insurance | Insurance Agency | 403-327-4014 | 1122 3 Ave S #3, Lethbridge, AB T1J 0J6 |
| InsuranceHotline.com | Quotes Comparison | 1 (855) 821-7312 | 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7 |
| Intact Insurance | Insurance Agency | 1-844-799-9755 | 515 7 St S #206, Lethbridge, AB T1J 0V1 |
| Kirkham Insurance | Insurance Agency | 403-328-1228 | 205 11 St S, Lethbridge, AB T1J 4A6 |
| LowestRates.ca | Quotes Comparison | 1 (855) 487-6911 | 1910 Yonge St. Suite 401, Toronto, ON M4S 3B2 |
| McKillop Insurance Registry Services | Insurance Company | 403-320-5588 | 425 21a St N, Lethbridge, AB T1H 6L6 |
| RATESDOTCA | Quotes Comparison | 1 (844) 726-0907 | 360 Adelaide St. W. Suite 100, Toronto, ON M5V 1R7 |
| Western Financial Group | Insurance Agency | 403-327-1889 | 3821 Mayor Magrath Dr S Unit 10, Lethbridge, AB T1K 8E2 |
| Westland Insurance | Insurance Broker | 403-328-7777 | 1201 3 Ave S, Lethbridge, AB T1J 0J8 |
Here’s what else you need to know about Lethbridge auto insurance
Shopping for quotes is a great way to get the cheapest Lethbridge car insurance. RATESDOTCA offers up-to-date Lethbridge car insurance quotes at the click of a button. You'll be able to compare the top insurance companies in the area and feel confident you are getting the cheapest rate for Lethbridge car insurance.
There are a number of factors affecting car insurance costs, including how frequently you drive, your driving history, where you live, as well as the age and model of your vehicle.
Residents of larger cities like Calgary and Edmonton generally pay higher premiums. In a smaller city like Lethbridge with fewer drivers, crime and collisions drivers tend to pay lower premiums.
You can’t influence every factor used to calculate your insurance rate, but by keeping a clean driving record and checking quotes at RATESDOTCA you can help save yourself money.
Every driver has their own set of circumstances. Therefore, determining who has the cheapest car insurance in Lethbridge relates to your circumstances. Your record, credit scores, neighbourhood, and driving needs are personal to you.
After comparing quotes with RATESDOTCA, talk to your broker or lender about your specific needs to ensure you’re getting the best rate possible.
Month-to-month car insurance isn’t available in Alberta. Insurance companies typically require a one-year commitment from drivers for insurance policies (although some companies have six-month policies as well).
You can request short-term insurance from your lender between policies, but this is not the norm and would be determined case-by-case.
You’ll need a valid driver's license, for starters. If you're licensed in your home country, you have a 90-day grace period from the time you arrive to change over your license.
Each province's licensing system works differently, so check with the Government of Alberta to understand your requirements.
After you've crossed the licensing hurdle, you can get insurance. As a newcomer to Canada, you’ll want to start by comparison shopping for the cheapest insurance rates in Lethbridge by using sites like RATESDOTCA.
Some Canadian insurance companies will count your driving experience from your home country. Unfortunately, not all will. You may need to build your insurance history from square one, making finding an accommodating insurance company all the more important.
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."
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