Find Cheap Car Insurance in Red Deer
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- Car insurance in Red Deer
- Mandatory and optional car insurance in Red Deer
- Recent auto insurance quotes in Red Deer
- How to get Red Deer car insurance quotes on RATESDOTCA
- How much does car insurance cost in Red Deer?
- How does Red Deer's average car insurance rate compare to other cities in Alberta?
- Which companies offer car insurance quotes in Red Deer?
- Factors that affect your Red Deer car insurance premium
- Tips for getting cheap car insurance in Red Deer
- Frequently asked questions about car insurance in Red Deer
Car insurance in Red Deer
Drivers looking for the cheapest car insurance in Red Deer have a variety of options. The province has a private auto system meaning you buy insurance directly from the provider, not a provincial body (unlike in B.C. and Saskatchewan).
Basic (accident benefits and third-party liability) auto insurance in Red Deer, or anywhere in the province, is required. The province wants to keep car insurance rates in Red Deer affordable. The Automobile Insurance Rate Board (AIRB) regulates automobile insurance rates in Alberta and establishes a maximum amount that can be charged for basic coverage. There is no maximum amount 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 in Red Deer
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 Red Deer

Recent auto Insurance Quote from Calgary, Alberta
Male, 35 years old
2017 NISSAN ARMADA PLATINUM 4DR 4WD
April 24, 2025
Cheapest Quote
$ 261 / month
$ 3,133 / yearAverage Quote
$ 365 / month
$ 4,375 / yearSavings
$ 104 / month
$ 1,242 / year
28 %
Recent auto Insurance Quote from Calgary, Alberta
Male, 39 years old
2022 HONDA CIVIC EX 4DR
April 24, 2025
Cheapest Quote
$ 125 / month
$ 1,502 / yearAverage Quote
$ 182 / month
$ 2,188 / yearSavings
$ 57 / month
$ 686 / year
31 %
Recent auto Insurance Quote from Calgary, Alberta
Male, 63 years old
2007 CHEVROLET EQUINOX LT V6 4DR AWD
April 24, 2025
Cheapest Quote
$ 166 / month
$ 1,989 / yearAverage Quote
$ 217 / month
$ 2,606 / yearSavings
$ 51 / month
$ 617 / year
24 %
Auto insurance quotes are compared from CAA, Coachman Insurance Company, Echelon Insurance, Economical Insurance, Gore Mutual, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company
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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
How much does car insurance cost in Red Deer?
Red Deer's average car insurance premium was $1,712 in 2021 or nearly $143 per month.
It increased by roughly 9% since 2020, when the average was $1,380.
Compared to the provincial average, Red Deer residents are paying 14% less than the provincial average, which is currently $1,991 per year.
Insurance costs are driven by claims (the amount insurers pay to customers when they report a loss).
When a premium is below the benchmark, it's likely because there is fewer claims activity within that geographic area.
It makes sense that Red Deer's premiums are below the Alberta average.
Red Deer is a relatively smaller town compared to the bigger cities of Calgary and Edmonton. They are larger cities with more traffic, congestion and claims, so they tend to bring up the national average. Red Deer is about halfway between Calgary and Edmonton, meaning commuters to both cities will travel through or from Red Deer.
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 | 14. | RED DEER | $1,712 |
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Company name | Company type | Phone number | Address | Allstate Insurance | Insurance Agency | 587-802-3302 | 128-2325 50 Ave Red Deer AB T4R 1W5 | AMA | Finacial Services | 403-342-6633 | 141-2004 50 Avenue Red Deer AB T4R 3A2 | Co-operators | Insurance Agency | 403-343-1026 | 16-6791 Gaetz Ave W, Red Deer AB, T4N 4C9 | InsuranceHotline.com | Quotes Comparison | 1-855-821-7312 | 360 Adelaide St. West, Toronto, ON, M5V 1R7 | Lowestrates.ca | Quotes Comparison | 1-855-487-6911 | 1910 Yonge Street, Suite 401, Toronto, ON, M4S 3B2 | Morgex Insurance | Insurance Agency | 403-340-4595 | 4901 48 St. Red Deer, AB, T4N 6M4 | Platinum Insurance Inc. | Insurance Agency | 403-358-6062 | 202-4719 48 Ave., Red Deer AB, T4N 3T1 | RATESDOTCA | Quotes Comparison | 1-844-726-0907 | 360 Adelaide St. West, Toronto, ON, M5V 1R7 | Scoop Insurance | Insurance Brokers | 1-866-456-6620 | 300 Lincoln St., Unit 22, Welland ON, L3B 4N4 | Westland Insurance | Insurance Agency | 403-309-2230 | 270-5002 55 St., Red Deer AB, T4N 7A4 |