Compare car insurance quotes in Calgary for free. Find your best price in minutes.

On average, Calgary drivers save hundreds of dollars per year by comparing quotes with us.

Get quotes from 75+ Canadian providers in 3 minutes.

Get quotes from 75+ Canadian providers in 3 minutes.

Compare rates from Canada's leading auto insurance providers

24,887 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

Excellent
Based on 355 reviews
November 25
I was so pleased with the service from…
I was so pleased with the service from this site!! Lowestrates.ca directed me to...
Nicole E
November 17
they find the lowest rates and explain…
they find the lowest rates and explain options saves a lot of time when renewing...
terry nauss
November 15
Get rates
This program came up with super great rates for my car and apartment. Many than...
Sandra Dunne
November 4
It was a good experience
It was a good experience
BRIAN FEX
November 4
Our insurance broker advised us of a…
Our insurance broker advised us of a change in insurer beginning 1 January 2022 ...
DT
October 26
Easy to use
Easy to use, easy to find the result that you're looking for! 5 star coverage!
KS
October 19
Lowestrates.ca did find a much lower…
Lowestrates.ca did find a much lower rate than I currently pay. Super prompt and...
Tom R Cross
October 17
Super easy to use
Super easy to use, and gives you best comparison prices for insurance. Saved 250...
Louise Villeneuve
October 15
Great service and very helpful :) would…
Great service and very helpful :) would definitely recommend
Emily Peacock
October 14
It's great
It's great, found the best rates.
Chirath Ranaweera
October 14
Fast and pleasant experience
Fast and pleasant experience. Saved a lot of money too!
stephenblaszko
October 14
Fast response
Fast response
AnarieD'Agostino
October 13
From the online process to the first…
From the online process to the first contact speaking to a rep it’s was a good...
Rose Daniel
October 13
A very pleasant contact
A very pleasant contact, without rep talking over my head., It was very infor...
Margaret Markson
September 30
LowestRates.ca is the best out there
LowestRates.ca is the best out there. They are fast efficient and gets job done...
Maria M. T.
August 31
very quick and reliable rates
very quick and reliable rates
Tracie N
August 12
I can’t believe how quickly I am…
I can’t believe how quickly I am getting email responses. Very happy with this...
Carol
July 25
Awesome 👍😎
Awesome 👍😎
Joshua Leong
July 1
excellent service
excellent service
An Luu
June 22
Highly recommended
Excellent customer service. Was very patient and answer my customers toughly. Fo...
Karan Parmar
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren

How comparing auto insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 75+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your Calgary auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance quotes in Calgary.

Behind B.C. and Ontario, Alberta’s auto insurance rates are the third most expensive in the country.

LowestRates.ca compares the car insurance market in Calgary so you can get the cheapest car insurance quotes from the top car insurance companies serving Alberta.

All it takes is a few minutes. Enter your postal code and a bit of information about the vehicle you drive and we’ll find you the cheapest available quote and connect you with a Calgary car insurance broker who will secure the new rate for you.

Compare Calgary auto insurance quotes.,  find the lowest one and hit the road. Just like that.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from December 05, 2021
Customer
Female, 59 years old
Location
calgary
Vehicle
2012 KIA TRUCK/VAN SPORTAGE LX 4DR AWD
Lowest Rate
$124/mth
$1,492/yr
Average Rate
$184/mth
$2,207/yr
Saved
$60/mth
32.00%
Quote from December 05, 2021
Customer
Female, 18 years old
Location
calgary
Vehicle
2014 INFINITI Q50 4DR AWD
Lowest Rate
$153/mth
$1,836/yr
Average Rate
$228/mth
$2,737/yr
Saved
$75/mth
33.00%

Focus on

Driving in Calgary

Most popular cars in Calgary

Calgary is one of Canada’s foremost up-and-coming cities. With a population of about 1.6 million people and a growing number of families in the area, the number of cars on the road has also increased. Here are the most popular car brands among Calgarians, based on data from LowestRates.ca:

Popular Brands

  1. Honda
  2. Ford
  3. Dodge
  4. Nissan
  5. BMW

Who shops for car insurance in Calgary?

According to our data, here's who's shopping for car insurance in Calgary.

Gender of our users

Male
65%
Female
35%

Average age

35

years old

Tickets and accidents

Have Tickets
21.68%
Have Had Accidents
18.04%

What can I do to get cheap car insurance in Calgary?

It's easy — if you know how. Here are some of the best ways to lower your auto insurance premiums:

Shop around

We'll show you the most competitive rates from all the top insurers. Now you can compare quotes all in one place.

Buy the right coverage

Avoiding extra frills in your policy and paying for only the coverage you need will lower your premiums.

Drive responsibly

Your driving record impacts your rate. Fewer infractions and fines equal cheaper insurance.

Pay on time

Prompt payments can save you money on late fees and lower your premiums. Insurers love a good customer.

Bundle up

Adding a house, motorcycle, RV, or other types of insurance policy to your car insurance plan can lower your rates.

Be safe, not sorry

Safety features like winter tires and alarm systems can help reduce your insurance premium.

Stick with one insurer

Most auto insurance companies give special discounts to customers who stay with them for a number of years.

Take a course

A defensive driving course makes you a better driver and can significantly reduce your car insurance premiums.

Keep driving

The math is clear: more experience on the road equals lower car insurance premiums. Young drivers almost universally pay higher rates for car insurance. While it’s difficult for new drivers to secure cheap car insurance rates, you may be able to lower your rates by maintaining good grades and attending driving school.

Look at location

Where you drive affects your premiums. Some areas are associated with higher rates of car accidents and theft.

Choose the right car

Cars with high crash-test scores, low theft ratings, and less powerful engines tend to have cheaper insurance rates.

Track your driving

With a usage-based car insurance policy, you can turn your low-risk driving habits into lower premiums.

Your questions about Calgary car insurance, answered.

 

How much is car insurance in Calgary?

The price you’re quoted could differ from the average. Here’s why:

  • Young drivers pay the most for car insurance, which skews the average higher.
  • You can choose optional coverages like collision insurance. Adding coverages will increase your premium.
  • Driving long distances daily will also increase your premium.

Car insurance companies weigh the risk presented by the entire insurance pool (i.e., all its customers), and they also consider the risks individuals present. It’s still possible to find a lower-than-average car insurance rate if you have a good insurance and driving history.

To get an accurate estimate for car insurance prices in Calgary, we recommend applying for quotes. Since insurance rates are individualized, our quoter asks for details about your car, your daily mileage, and your insurance history. As a result, our quoter provides a more reliable estimate than a basic Calgary car insurance calculator can. Doing a quote is a small investment: most people complete it in under three minutes.

Which Calgary postal code has the highest premiums?

The postal code region of T3J pays the highest rates for car insurance in Calgary, according to LowestRates.ca data. The region encompasses the Martindale, Taradale, Falconridge, and Saddle Ridge areas. 

Which Calgary postal code has the lowest premiums? 

The T4A postal code in the Airdrie East region pays the least for auto insurance in the city of Calgary. The district is located in the north of Calgary and encompasses most of Airdrie, except for the area west of 8 St. SW and south of 1 Ave NW. It’s a new district, having just been developed in 2017. 

How do Calgary car insurance quotes compare to other cities in Alberta?

While Alberta drivers may not pay as much as drivers in Ontario and British Columbia, it doesn’t mean cheap auto insurance is easy to find. Calgary is in the top five most expensive cities in Alberta to purchase car insurance.

The most expensive cities to purchase car insurance in Alberta are:

 
  1. Edmonton
  2. Rocky Mountain House
  3. Camrose
  4. St. Albert
  5. Calgary

While some Albertans pay higher fees for auto insurance, this isn’t the case for everyone. Take a look at the cheapest Alberta cities for car insurance:

  1. Cochrane
  2. Parkland County
  3. Hinton
  4. Ponoka
  5. Medicine Hat

While Calgary doesn’t currently rank near the top for the most expensive auto insurance rates in Canada, more people in Calgary used LowestRates.ca to compare car insurance quotes in 2019 than drivers from any other city in Calgary.

Where you live is an important factor in determining your car insurance rates, but Calgary drivers should keep in mind that it’s only one factor out of many. Keep reading to see what other factors can impact how much you pay for car insurance in Calgary.

 

What factors determine my car insurance quotes in Calgary?

There are a number of factors that determine your car insurance rates in Calgary. Here are some to consider:

Your mileage: How much you drive every day is another major contributor to what you’ll pay in auto insurance rates. Someone that drives 30-45 minutes to and from work each day will pay more in car insurance than someone who only uses their car to run errands.

Your postal code: Insurance companies determine your rates partially based on the postal code you live in. If your area generally has a higher concentration of claims, you may find yourself paying higher rates than people living in the next postal code over.

Your driving record: Your driving history is another factor that will weigh heavily on how much you pay for car insurance. Someone with an accident or multiple tickets on their record will pay more for insurance than someone with a clean record because they’ll be deemed higher risk.

Your age: Like it or not, the younger you are, the more you’ll pay for car insurance (until you’re about 30). This is because you’re considered a high-risk driver until you’ve built up a driving history that demonstrates the opposite. There isn’t much you can do about it, but at least you’re not alone. Young people across Calgary, and Canada, all face high auto insurance rates compared to the more experienced drivers they share the road with.

Your policy: How much you pay in auto insurance is impacted by how much auto insurance you buy. There are a number of different policies to choose from in Calgary, but everyone in Canada is required to have at least a basic level of car insurance. Keep reading to find out what your policy options are.

What are car insurance rates for Calgary seniors?

Adults between the ages of 50 and 70 are able to secure some of the lowest car insurance rates in Calgary. If you belong to this demographic, you probably have a long history of being insured and you might have even bundled your home insurance policy with the same provider of your auto insurance.

After age 70, though, you might see your rate begin to creep up. People in this age group are more statistically more likely to need to file a claim and need longer to recover from an injury. If you do see your rates begin to climb, it may be time to shop around for new automobile insurance in Calgary.

What are car insurance rates for Calgary students?

Car insurance for new drivers in Calgary is expensive. Young people pay, on average, the highest insurance premiums of any demographic (adults with driving convictions notwithstanding). For drivers who’ve been insured since age 14, rates start declining in the mid-twenties and typically persist until their thirtieth birthday.

It can be challenging for new drivers to find affordable car insurance in Calgary. However, there are some things you can trim the price of your car insurance rate:

  • Avoid getting your own car, if you can. Instead, opt to get listed as the secondary driver of your parents’ car. Insurance for secondary drivers costs less than it does for the primary driver.
  • If you’re in school (high school or postsecondary), insurance companies offer discounts to students who maintain a certain GPA.
  • Take a driver’s education course and make sure you get a certificate of completion. Showing that to an insurance company will lower your rate.

For new drivers in Calgary, a “cheap" car insurance rate will be relative. However, we’ve found that the demographic that finds the most savings on LowestRates.ca are young drivers — the more you’re expected to pay, the more dramatic the savings you can find when you compare Calgary car insurance quotes.

What are insurance rates for new immigrants to Calgary?

If you’ve recently immigrated to Calgary, you can’t drive without having the proper licence and insurance. Ask your old insurance company to provide a reference to your new Calgary auto insurance company. This will go a long way to help you secure a lower car insurance rate and you’ll have a better chance at securing a lower car insurance rate because you have proof of your insurance and driving history.

What are car insurance rates for high-risk drivers in Calgary?

Having several traffic convictions will put you in the high-risk category with most insurance companies. If you’ve ever had your licence revoked, you are pushed further into the high-risk category. This designation means that insurance companies assume that you will eventually file a claim. 

Since insurance companies are betting that they will need to provide you financial assistance, they will charge you more. It’s very hard to find cheap auto insurance rates in Calgary as a high-risk driver. There are, however, insurance companies that cater to high-risk drivers. Failing that, you can purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers.

What kind of car insurance do I need in Calgary?

Third-party liability and accident benefits - You must carry this type of insurance to legally operate a car in Alberta. This type of basic car insurance policy protects your liability if you injure someone else in a collision. It also pays for your medical costs. You must have liability benefits worth at least $200,000 and accident benefits worth at least $50,000.

Collision - Covers costs if your car is damaged in a collision.

Comprehensive - Covers costs if your car is damaged by things other than a collision, including theft, vandalism, or falling objects.

Specified perils - Protects your car from insurable risks that you specify you want in your policy. If it’s not written in the policy, it isn’t covered.

All perils - A hybrid between collision and comprehensive insurance. Offers coverage if your car is damaged in a collision or by any other insurable risk.

You can customize your car insurance quote to reflect any type of coverage.

 

Where do I get cheap car insurance quotes in Calgary?

There isn’t a car insurance company in Calgary that can guarantee cheap car insurance premiums to every driver that applies for a policy. 

While there are a number of factors contributing to your car insurance rates that you can control, there are also some that are out of your control. For example, insurance companies set prices based on their loss ratios — the amount that they pay out annually in claims compared to the revenue they generate. These ratios will determine what rate they’re willing to offer you.

Since every insurance company underwrites risk differently, one of the fastest ways to find a cheap quote is to compare insurance companies.

Comparing car insurance quotes on LowestRates.ca can help you find a company whose tolerance for risk is a bit different than the one you’re currently working with. You may be surprised at the cheaper rates you find when you compare the market.

 

Facts and myths about driving in Calgary

Facts

  • No hitchhiking. It's illegal to hitchhike within Calgary city limits.
  • Say cheese. In Calgary, 51 intersections have speed-on-green cameras, red-light cameras, or both.
  • Now that's a parade. The Calgary Stampede Parade has over 40 floats, 30 marching bands, and 350,000 spectators every year.
  • Calgary's Deerfoot Trail is the busiest road in all of Alberta. Over 160,000 vehicles pass over sections of Deerfoot Trail every day.
  • Major construction of the South-West portion of the Calgary Ring Road began in the fall of 2016. The 31 km section is expected to open in 2021, bringing the city one step closer to completing the 100 km Ring Road.

Myths

  • Radar detectors are illegal in Calgary. False. Radar detectors are legal in Calgary and in the rest of Alberta.
  • In Calgary, the most dangerous street for pedestrians is Macleod Trail S. False. A study done by a local engineer found that the intersection of 17th Avenue S.W. and 4th Street S.W. witnessed more pedestrian injuries than anywhere else in the city.
  • Parking is free on the day of the Calgary Stampede Parade. False. Parking meters downtown are not free on parade day.

What are some tips for driving in Calgary?

  1. If you're driving in Calgary during the winter, buy snow tires. If you're driving in Calgary during the winter, buy snow tires.
  2. Drive cautiously at Deerfoot Trail and 16th Avenue. It's widely viewed as the most dangerous intersection in the entire city, rivalled only by the Deerfoot Trail and Glenmore Trail intersection.
  3. Stay up-to-date on the Glenmore Trail and Ogden Road S.E. Interchange Project. As of July 2016, an 18-month detour is routing drivers around the new Glenmore Trail roadway and interchange. Access to Ogden Road and to Barlow Trail is still available, but plan your travels accordingly.
  4. Put your cell phone down. Calgary traffic laws strictly prohibit texting and emailing while you're operating a motor vehicle.
Alexandra Bosanac

Alexandra Bosanac

About the Author

Alexandra Bosanac is the Core Content Manager for LowestRates.ca. Her reporting has appeared in Canadian Business, the Toronto Star, the National Post, and the CBC.

Read More

Auto insurance news

Read More Like This