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What our users say:

April 22
Your agent Nathan was amazing and so…
Your agent Nathan was amazing and so helpful.
Alecia O'Brien
April 19
Prompt response
Prompt response. Good info to make a decision. Helpfull that info was sent to ...
Margaret Bird
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
Angela
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 17
Good pricing
Pleasant broker and helpful
Phyllis
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
ct
April 16
The Agent was very kind and helpful!
The Agent was very kind and helpful!
Istvan Kiraly
April 16
Great customer care she is good 👍
Great customer care she is good 👍
Anthony Odia
April 15
Simple and clear!!
Fast response ! Friendly knowledgeable staff!
Kent Fewer
April 15
great rep provided all the information…
great rep provided all the information I needed to make an informed choice
KAREN FOBERT
April 12
After I got the quotes somebody…
After I got the quotes somebody followed up with me and put me trough with an ag...
Stefan Ciucas
April 12
fast responce
fast responce, great people to talk to explaining everything, What a Great web s...
Larry Rowthorn
April 9
Very helpful advice and great overall…
Very helpful advice and great overall service.
mark
April 6
Easy to deal with and very helpful
Very easy, good use of technology and customer follow up was awesome
Steve Miller
April 6
Easy and friendly process.
Easy and friendly process.
shr
April 5
So good service ,,
So good service ,,, Tammy service me so so good
Son Nguyen
April 5
Very good service.
Very good service.
Tanya Neufeld Eckert
March 30
easy to work with…
easy to work with and find what I needed fast.
Pierre Duprey
March 25
Immediate response
Immediate response
Donald Henderson
March 6
Very helpful team !
Very helpful team !
Shivali Patel
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon

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Car insurance in Airdrie, Alberta 

Airdrie is the fifth largest city in Alberta following Calgary, Edmonton, Lethbridge and Red Deer. It is considered part of the Calgary Region and a member of the Calgary Region Metropolitan Board.  

In Alberta, basic automobile insurance (accident benefits and third-party liability) is required by law. Additional insurance coverage (such as collision and comprehensive) is not required by law. Airdrie car insurance is regulated by The Automobile Insurance Rate Board (AIRB), which regulates automobile insurance rates in all of Alberta. The AIRB approves all rating programs for insurers selling basic and additional coverage to Albertans. 

Because optional coverage is not mandated by law in Alberta, The AIRB has not set a price ceiling on Airdrie car insurance rates, unlike basic coverage for which there is a price cap. 

Factors that determine your car insurance rates in Airdrie

Not all drivers or situations are equal. The following factors may weigh into determining how much you will pay for Airdrie car insurance: 

Car insurance rates for Airdrie seniors

With age comes wisdom – and better driving skills according to Airdrie car insurance providers. Drivers who are in the 50 to 65 age range are in the sweet spot for auto insurance premiums as they are considered the safest and most experienced. 

Drivers older than 70 might see their rates climb up again as increased age could lead to risk of accidents. This could also lead to more claims from drivers in that age category making it expensive for Airdrie auto insurance providers. 

If you are a senior who has seen your auto insurance premium increase with age, comparing rates with different companies may yield savings. Use LowestRates.ca's online quote tool above to get started.

Car insurance rates for Airdrie students

Students have it rough in the insurance game. Their age combined with their lack of driving record/experience leads Airdrie auto insurance providers to consider them a very high-risk category. This could lead to accidents and a greater number of claims. 

This starts to change by your mid-20s when insurance companies begin to ease up on rates and, in fact, start to decrease over time. 

There are some ways you can control your student car insurance costs. For example: 

Car insurance for new immigrants in Airdrie

Newcomers to Alberta can get auto insurance right away with a valid driver’s licence. However, you will need an Alberta driver’s licence eventually. You’ll have a 90-window from the time you arrive, which also may require a new driver’s and knowledge test. 

You can visit the Government of Alberta website to learn more about which country’s licences are accepted and/or have further requirements to obtain an Alberta licence. 

Car insurance for high-risk drivers in Airdrie. 

Even if you’re prone to infractions and have a relatively unsafe driving record, you will need Airdrie auto insurance. The problem is that you will likely pay more than your safer car brethren. 

There are providers that will offer you coverage. LowestRates.ca partners with the best high-risk car insurance providers to ensure you can obtain the coverage you need at the lowest rate available.

Front view of a car. Illustration.

See how our customers in Airdrie save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from April 20, 2024
Customer
Female, 33 years old
Location
airdrie
Vehicle
2023 HYUNDAI ELANTRA PREFERRED 4DR
Lowest Rate
$199/mth
$2,386/yr
Average Rate
$250/mth
$3,000/yr
Saved
$51/mth
20.47%
Quote from April 19, 2024
Customer
Male, 58 years old
Location
airdrie
Vehicle
2020 HONDA CIVIC TOURING 4DR
Lowest Rate
$113/mth
$1,359/yr
Average Rate
$152/mth
$1,820/yr
Saved
$38/mth
25.33%
Quote from April 19, 2024
Customer
Male, 35 years old
Location
airdrie
Vehicle
2016 LAND ROVER RANGE ROVER EVOQUE HSE 4DR 4WD
Lowest Rate
$163/mth
$1,953/yr
Average Rate
$225/mth
$2,705/yr
Saved
$63/mth
27.80%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

How to get the cheapest car insurance in Airdrie

Getting the cheapest car insurance in Airdrie can be achieved with some of the following tips:

Shop

Comparison shopping on sites like LowestRates.ca provides current Airdrie quotes from the top providers in the area. You can also talk to your agent or broker about competitive Airdrie auto insurance quotes. 

Appropriate Coverage

Ensure that you are paying for the insurance you need. Talk to your insurance provider about whether mandatory or optional coverage fits your needs, for example. Also, reviewing your policy once a year will allow you to see if you are paying for what you need and/or if you can renegotiate your premiums.

Driver’s Education

Most Airdrie auto insurance companies look favourably on driver education. It reduces risk (meaning potential for claims), and it sharpens your skills as a driver. The extra “experience” can help reduce premiums. 

Bundling

Taking out all your insurance needs from one provider can save you money. Life and home, bundled with your car insurance, gives an incentive to your Airdrie car insurance provider to reduce rates and reward your loyalty.

Paying on time/Pay upfront

Higher crime rate areas might induce higher Airdrie auto insurance premiums. If possible, keep your car locked in a secure area when not in use and avoid areas that are prone to theft and/or vandalism. 

Driving record

The safer you are and are able to maintain a clean driving record, the more your insurance company will keep premiums to a minimum. It’s good road practice and it helps save you money. 

Tires

Many Airdrie auto insurance companies will provide discounts for winter tire usage.

Other discounts

Members of associations, alumni and other groups can find discounts among Airdrie car insurance companies. Ask your provider to see if you qualify.

 

 

Frequently asked questions about car insurance in Airdrie. 

 

How much is car insurance in Airdrie?  

There are several variables that determine car insurance rates in Airdrie. Male drivers who are 25 will pay $2,000 per year in premiums, whereas drivers who are 60 will pay $1,761. 

 

Which Airdrie postal code has the highest average premiums?

According to the Alberta Insuramap, Airdrie has only two area codes in the T4A and T4B locations. The rates in both areas are the same: 

Male 35 - $2,000 

Female 35 - $2,000 

M/F 20 - $4,487 

M/F 60 - $1,761 

 

How do Airdrie car insurance rates compare to other cities in Alberta? 

The average Alberta insurance rate is $1,991. So, for experienced drivers with a clean record living in Airdrie, the rate is lower at $1,761. Younger, less experienced drivers will pay more. 

In Calgary, the average 35-year-old male pays $2,230 –$230 more than the Airdrie citizen of the same age, and in Edmonton the average 35-year-old male is also paying more than an Airdrie driver at $2,124. 

Airdrie is third on the list and ties with Chestermere for a rate of $2,000 per year. 

 

Where do I get the cheapest car insurance quotes in Airdrie?

Getting the cheapest car insurance quotes in Airdrie starts with comparison shopping on LowestRates.ca. A few bits of information about your driving and insurance needs, and you are provided with current Airdrie auto insurance quotes. You’ll be connected with a broker who can help you through the process and start saving. 

Each insurance company will take different issues into account when assessing your risk and premiums. It’s best to address these issues ahead of time so you know how to approach each insurance provider to access their best rates. 

 

What are some tips for driving in Airdrie?

Airdrie is located very close to Calgary near Highway 2. Congestion and traffic have become more of an everyday issue, especially as it has become part of the Calgary Region municipality. Cautiousness is key when driving in Airdrie.  

There are also parks and recreational areas for drivers to be aware of a plethora of schools with young children. The speed limit in residential zones is 30km/h so keep it slow and safe. 

 
Alexandra Bosanac

Joel Kranc

About the Author

Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.

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*Represents the average saved by shoppers who obtained an Airdrie quote on LowestRates.ca and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca.