icon

Find Cheap Auto Insurance in Lethbridge 

Alberta drivers save $736* on average with RATESDOTCA.

Compare Lethbridge car insurance quotes from top providers

CAA
Aviva
Onlia_new.png
Pembridge_new.png
Economical
Travelers Insurance logo
Icon - Human
Written by Joel Kranc

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 driver’s insurance benefit.

Recent car insurance quotes in Lethbridge

Recent auto insurance quote from LETHBRIDGE, ALBERTA
2017 MITSUBISHI RVR SE 4DR 4WD June 01, 2023
$ 1,657
Per year
Cheapest Quote
$ 2,059
Per year
Average Quote
$ 402
or
20 %
in savings
Recent auto insurance quote from LETHBRIDGE, ALBERTA
2008 HONDA CIVIC DX 4DR May 30, 2023
$ 1,456
Per year
Cheapest Quote
$ 1,789
Per year
Average Quote
$ 333
or
19 %
in savings

What people say about our quotes

Rating stars

Based on 5,491 reviews

 Trustpilot logo

How to get Lethbridge car insurance quotes on RATESDOTCA

Ready to compare quotes and save?

1

Tell us about your vehicle

Answer a few basic questions about your driving & car insurance history.

2

Compare your quotes

See quotes from top insurance companies side by side.

3

Choose the right coverage

Find the right protection for your vehicle.

Secure your rate

Connect with the provider and secure your rate.

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

Factors that affect your Lethbridge car insurance premium  

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 country’s licensing system is judged 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. 

*Shoppers in Alberta who obtained a quote on RATESDOTCA and transacted via our contact centre from January to December 2021 saved an average amount of $736. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by RATESDOTCA.

Latest auto insurance articles

The costs of owning a car
There are many variables at play when buying a car. From maintenance costs to the price of fuel to auto insurance, here’s what you need to think about when buying a vehicle.
Learn More
4 mins read
How can young drivers save on car insurance?
High car insurance rates and young drivers seem to go hand in hand in Canada. Here's how you can save funds on your premium.
Learn More
4 mins read
Smart cars are putting automotive cybersecurity to the test
Just like a computer, your car is hackable. Hackers damaging or stealing your vehicle may also mean serious implications for your auto insurance coverage.
Learn More
5 mins read

Subscribe to our newsletter

Stay on top of our latest offers, relevant news and tips!

Thanks for joining!

You'll be hearing from us shortly - stay tuned.