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- Car insurance in Medicine Hat
- Mandatory and optional car insurance coverage in Medicine Hat
- Recent auto insurance quotes in Medicine Hat
- How to get Medicine Hat car insurance quotes on RATESDOTCA
- How much does car insurance cost in Medicine Hat?
- How does Medicine Hat's average car insurance rate compare to other cities in Alberta?
- Which companies offer car insurance quotes in Medicine Hat?
- Factors that affect your Medicine Hat car insurance premium
- Tips to get cheap car insurance in Medicine Hat
- Frequently asked questions about car insurance in Medicine Hat
Car insurance in Medicine Hat
If you're a driver looking for the cheapest car insurance in Medicine Hat, you'll want to know how the system is set up. Car insurance in Alberta is regulated by the Automobile Insurance Rate Board (AIRB) under the authority granted by the province's Insurance Act. The Alberta Superintendent of Insurance of the Alberta Treasury Board and Finance and the Alberta Insurance Council also provide oversight.
Most importantly, Alberta has a private auto system meaning you buy insurance directly from the provider, not the provincial government (unlike Alberta's neighbours, B.C. and Saskatchewan).
Basic auto insurance (which includes accident benefits and third-party liability) is required in Medicine Hat. The province wants to keep car insurance rates in Medicine Hat affordable and has established a maximum amount that can be charged for basic coverage. No maximum amount is set for additional coverage because it is not mandated by law.
Alberta also has a Grid rating program to establish the maximum premium insurance companies can charge for basic coverage. Insurance companies must compare a driver's premium under their current rating system program to their premium calculated for the Grid and charge the lesser of the two premiums.
Grid applies only to basic coverage premiums (third-party liability bodily injury and property damage tort, accident benefits, and direct compensation property damage). A majority of Albertans do not pay the Grid rate.
Alberta has three categories of car insurance coverage: mandatory, optional, and endorsements.
Mandatory and optional car insurance coverage in Medicine Hat
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 auto insurance quotes in Medicine Hat

Recent auto Insurance Quote from Medicine hat, Alberta
Female, 61 years old
2013 HYUNDAI SANTA FE 2.0T 4DR AWD
April 22, 2025
Cheapest Quote
$ 87 / month
$ 1,040 / yearAverage Quote
$ 179 / month
$ 2,150 / yearSavings
$ 93 / month
$ 1,110 / year
52 %
Recent auto Insurance Quote from Medicine hat, Alberta
Female, 68 years old
2024 MAZDA CX-30 GX 4DR AWD
April 22, 2025
Cheapest Quote
$ 113 / month
$ 1,352 / yearAverage Quote
$ 192 / month
$ 2,299 / yearSavings
$ 79 / month
$ 947 / year
41 %
Recent auto Insurance Quote from Medicine hat, Alberta
Female, 57 years old
2017 FORD FUSION SE 4DR
April 22, 2025
Cheapest Quote
$ 113 / month
$ 1,351 / yearAverage Quote
$ 428 / month
$ 5,130 / yearSavings
$ 315 / month
$ 3,779 / year
74 %
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Rank | City | Average 2021 premium | 1. | CALGARY | $2,230 | 2. | EDMONTON | $2,124 | 3. | AIRDRIE, CHESTERMERE | $2,000 | 4. | BLACKFALDS | $1,969 | 5. | ST. ALBERT | $1,940 | 13. | MEDICINE HAT | $1,722 |
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Company name | Company type | Phone number | Address | A-WIN Insurance | Insurance Agency | 403-487-5132 | 109-2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 | Capital Strategic Insurance & Financial Inc. | Insurance Agency | 403-526-6622 | 525 Second St SE, Medicine Hat, AB, T1A 0C5 | Co-operators | Insurance Agency | 403-528-8717 | 66A Eighth St NW, Medicine Hat, AB, T1A 6P1 | Cypress Insurance Services | Insurance Agency | 403-504-1088 | 1601 Dumore Rd SE, Medicine Hat, AB, T1A 1Z8 | InsuranceHotline.com | Comparison | 1-855-821-7312 | 360 Adelaide St. West, Suite 100, Toronto, ON, M5V 17 | LowestRates.ca | Comparison | 1-855-487-6911 | 1910 Yonge St Suite 401, Toronto, ON M4S 3B2 | RATESDOTCA | Comparison | 1-844-726-0907 | 360 Adelaide St. West, Suite 100, Toronto, ON, M5V 17 | Reliance Insurance | Insurance Agency | 403-526-8800 | 414 Sixth Ave SE, Medicine Hat, AB, T1A 2S8 | Scoop Insurance | Insurance Brokers | 866-456-6620 | 300 Lincoln St, Unit 22, Welland, ON, L3B 4N4 | TSG Insurance | Insurance Agency | 403-526-3282 | 623 Fourth St. E, Medicine Hat, AB, T1A 0L1 |
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