Find Cheap Auto Insurance in Lethbridge
Lethbridge drivers can save hundreds on average by comparing auto insurance quotes on RATESDOTCA.
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- Car insurance in Lethbridge
- Mandatory and optional auto insurance in Lethbridge
- Recent car insurance quotes in Lethbridge
- How to get Lethbridge car insurance quotes on RATESDOTCA
- How much does car insurance cost in Lethbridge?
- Which companies offer car insurance quotes in Lethbridge?
- Factors that affect your Lethbridge car insurance premium
- How to get the cheapest car insurance in Lethbridge
- Frequently asked questions about Lethbridge car insurance
Freelance writer
Car insurance in Lethbridge
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.
Mandatory and optional auto insurance in Lethbridge
| 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 drivers insurance benefit. |
Recent car insurance quotes in Lethbridge
Recent auto Insurance Quote from Lethbridge, Alberta
Female, 21 years old
2016 TOYOTA RAV4 XLE 4DR AWD
April 14, 2025
Cheapest Quote
$ 275 / month
$ 3,295 / yearAverage Quote
$ 796 / month
$ 9,555 / yearSavings
$ 522 / month
$ 6,260 / year
66 %
Recent auto Insurance Quote from Lethbridge, Alberta
Female, 33 years old
2023 HYUNDAI SANTA FE ULTIMATE CALLIGRAP 2.5T 4DR AWD
April 14, 2025
Cheapest Quote
$ 188 / month
$ 2,259 / yearAverage Quote
$ 224 / month
$ 2,688 / yearSavings
$ 36 / month
$ 429 / year
16 %
Recent auto Insurance Quote from Lethbridge, Alberta
Female, 33 years old
2020 DODGE/RAM RAM 1500 SPORT QUAD CAB 4WD
April 14, 2025
Cheapest Quote
$ 179 / month
$ 2,147 / yearAverage Quote
$ 240 / month
$ 2,883 / yearSavings
$ 61 / month
$ 736 / year
26 %
What people say about our quotes
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I have never submitted a claim for any policy's I have had ON MY TRAVELS. (I hope iI never have to.) So that part I can't comment on. If I ever need to submit will know how efficient it goes. thank you
Charlene
Call back within 5 hours
Call back within 5 hours. The Lady spoke clear English.
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promtly got a call back and setup with…
promtly got a call back and setup with a lender
Rodney STORIE
Quick response and great quotes
Quick response and great quotes, the only problem is: I got two different quotes in two days, which is cheaper in the second one.
Ray
Great information when speaking with…
Great information when speaking with John. Very knowledgeable and easy to talk with. Unfortunately I was last minute and resigned w the actual lender, not the business I used for the purchase and last renewal.
Corbett Thoms
Easy and fast
Easy and fast
Joanne
The quote the representative was able…
The quote the representative was able to obtain.
Jonathan McConnell
The agent I spoke to was very helpful…
The agent I spoke to was very helpful in recommending a few brokers in my area who was willing to work with my situation
The Blessed One
Laurie is a true agent but John is not
Laurie is a true agent but John is not, the person with extension 136 is not a good listener to client. Extension 133 Laurie is good on her duties!
Thu Tram
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How much does car insurance cost in Lethbridge?
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 |
Which companies offer car insurance quotes in Lethbridge?
| 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 |
If you make Lethbridge your home, getting auto insurance will depend on some factors, including:
Driving record
Because insurance companies in Lethbridge use risk as a measurement to calculate your premium, your driving record is very important to them. The safer a driver you are (and have been), the less of a risk you pose. The worse your driving record, the riskier you are to the insurance company the higher your Lethbridge car insurance premium will be.
Car make and model
Different cars have different risk factors associated with them. Some models are more prone to theft and may be expensive to replace. Similarly, higher-end vehicles are costly to maintain and repair.
Reliable cars with good safety records pose less risk and expense when it comes to maintenance and longevity of the vehicle. Talk to your insurance provider about your car or the car you are interested in acquiring to see where it falls on the risk factor scale. Some insurance companies will offer discounts for vehicles with built-in safety features such as alarms or other anti-theft devices.
Credit history
Many insurance companies use credit-based scores to assess, manage and underwrite risk. They will also use it to determine the premium on your insurance policy, the eligibility and conditions for a premium payment plan, to investigate and settle claims, to analyze business results, and to detect and prevent fraud.
Neighbourhood
Your neighbourhood plays an essential role in your insurance premiums. Communities have risk factors such as high crime rates, density and congestion. The number of claims in a particular area can also help insurance companies determine the risk of future claims and rates.
Age
Usually, drivers under 25 are considered inexperienced and, as a result, will typically see higher premiums. A lack of experience means that, as a driver, you haven’t had the chance to refine your skills, and with that comes risk. Parents might consider adding younger drivers as secondary or occasional drivers or reducing the coverage for the less experienced driver.
How to get the cheapest car insurance in Lethbridge
- Compare quotes: Getting cheap car insurance in Lethbridge can be done by comparison shopping on sites like RATESDOTCA. Get current Lethbridge auto insurance quotes from some of the top insurance companies in the area.
- Consider bundling policies: Most insurance companies will offer discounts if you choose other products, such as home insurance, from their product line. Sometimes, you can save as much as 15% on your Lethbridge car insurance.
- Review your policy: Annual reviews of your car insurance in Lethbridge can help save you money by ensuring you pay only for what you need. Avoid over-insuring yourself, and talk to your provider about anything above and beyond standard coverage.
- Choose your car carefully: The kind of car you choose will impact your insurance costs. Selecting a safe and reliable car can help reduce your car insurance due to its lower risk, low maintenance and lower risk of theft. Cars with added safety features and winter tires may also lower car insurance through discounts your provider might offer.
- Take precautions: It may only sometimes be an option, but a change of neighbourhood can get you cheaper car insurance in Lethbridge. Some areas have higher risks than others, are less densely populated and offer safer storage of cars. Be sure to talk to your provider about the safety precautions you take to help reduce the cost of your car insurance.
- Increase your deductible: Most insurance companies make their clients pay a deductible upfront before paying out insurance benefits for a particular claim. The higher the deductible (the amount you agree to pay out of pocket), the lower your insurance rate will be. Consider raising your deductible if you are a safe driver with a good driving record.
Frequently asked questions about car insurance in Lethbridge
Here’s what else you need to know about Lethbridge auto insurance
How can I get the cheapest Lethbridge car 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.
What factors affect the cost of car insurance in Lethbridge?
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.
Which company has the most affordable car insurance in Lethbridge?
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.
Can I get month-to-month car insurance in Lethbridge?
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.
I am a newcomer to Canada. How can I buy car insurance in Lethbridge?
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, Freelance 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."
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