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Driving in Fort McMurray.

Most popular cars in Fort McMurray

The population of Fort McMurray surpassed 100,000 in 2018, and continues to grow every year. Furthermore, with a growing temporary work population, driving in Fort McMurray has become more difficult for the city’s residents. Here’s what type of cars online auto insurance shoppers in Fort McMurray prefer.

Popular Brands

  1. Ford
  2. Chevrolet
  3. Dodge
  4. Toyota
  5. Jeep

Who shops for auto insurance in Fort McMurray?

Fort McMurray is a driver-heavy city, with the majority of households needing a vehicle to get around. This means that Fort McMurray drivers are on the hunt for a great car insurance policy. Here’s who’s shopping for cheap auto insurance quotes in Fort McMurray.

Gender of our users


Average Age


years old

Tickets & Accidents

Have Tickets
Have Had Accidents

Your questions about Fort McMurray car insurance, answered.

How much is car insurance in Fort McMurray?

There is no standardized cost for car insurance in Fort McMurray, because car insurance is an extremely customized product. Your premium will depend on a number of different factors — some which are in your control and some which are not — including the loss ratios of the car insurance company in Fort McMurray you’ve selected. Car insurance calculator tools geared for Fort McMurray drivers require less information, but this also makes them inaccurate. Keep reading for more information on how to properly estimate your car insurance costs in Fort McMurray.

Which Fort McMurray postal code has the highest premiums?

The postal code with the highest average automobile insurance price in Fort McMurray is the region of T9H. The Athabasca River runs right through and along the outskirts of this postal code region, which is also home to parks, greenspace and residential towns.

Which Fort McMurray postal code has the lowest premiums?

The T9K region pays the lowest prices for car insurance in Fort McMurray, according to data pulled from This district includes a number of attractions, including the Fort McMurray Heritage District and the Old Sands discovery centre. This district also encompasses Timberlea, one of Fort McMurray’s most desirable neighbourhoods.

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

Just because car insurance rates are competitive in Fort McMurray, that doesn’t mean affordable car insurance is easy to find. To give you a sense of what other cities in Alberta pay for car insurance, here’s a list of the Alberta cities where car insurance is the most expensive, based on data from

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 Fort McMurray doesn’t make the list of the most expensive cities to be a driver in Alberta, it isn’t among the least expensive either. These are the cities that pay the least for car insurance in Alberta:

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

The city that you live in, admittedly, plays a big role when determining your car insurance rates. However, your location isn’t the only thing that can impact your car insurance premiums. Other factors might include how much you drive, your driving history and your age.

There are some things you can do to secure an affordable car insurance rate in Fort McMurray. Some of these include buying a car that’s not attractive to thieves and has good safety ratings, being a defensive driver, sticking with a standard insurance policy and making regular payments.

Some factors remain out of your control. These primarily include the insurance company’s loss ratios, which are calculated by the driving histories of their other customers. Our advice is to focus on what you can control by being a safe driver and your payments on time. And, of course, compare the auto insurance market on

What factors determine my car insurance quotes in Fort McMurray?

There are a number of factors that determine your car insurance rates in Fort McMurray. Here’s are some to consider:

Your licence level: Not having a full licence will cause your premium to be higher. Conversely, having a full licence has a positive effect on your car insurance rates. New drivers looking for car insurance in Fort McMurray may see higher rates due to this factor.

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

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. Having little driving experience (approximately less than 10 years), previous claims, and driving convictions will push your car insurance rates up. For this reason, car insurance rates for high-risk drivers in Fort McMurray may be higher than the average rate.

Your age: Like it or not, the younger you are, the more you’ll pay in 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 Canada face the same high auto insurance rates than the more experienced drivers they share the road with. Students who need car insurance in Fort McMurray will face challenges securing an affordable rate, but comparing rates can help new drivers in Fort McMurray find cheaper car insurance.

However, being young isn’t the only way age can impact your car insurance rates. Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Canada. If you belong to this demographic, you probably have a long history of being insured and you might even have bundled your home insurance policy with the same provider of your auto insurance. After age 70 you might see your rate begin to creep up because people in this age group are statistically more likely to need to file a claim and need longer to recover from an injury. Therefore, seniors in Fort McMurray who hold car insurance policies may also pay higher rates due to a higher rate of accidents in this age group.

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 Fort McMurray, but everyone in Canada is required to have at least a basic level of car insurance.

Your insurance history: In addition to having a poor driving history, your insurance history can also play a role in determining your rates. If you’ve filed multiple claims or have a history of missing payments, you may be given a higher rate. Furthermore, new immigrants who need car insurance in Fort McMurray may also face challenges because they have no Canadian insurance history at all.

What kind of car insurance do I need in Fort McMurray?

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 Fort McMurray?

This question is difficult to answer. For starters, there isn’t one provider that offers the cheapest auto insurance rates to all residents of Fort McMurray. Every insurance company will underwrite risk differently. This is why comparing the market is usually the best way to secure the cheapest car insurance quote. You may be surprised at how much money you can save by going with a provider that favours your risk profile.

Secondly, your rates will depend on a number of different factors, including each company’s individual loss ratios, your driving history, where you live, etc. Your rates are composed of factors both within your control and out of your control, which makes them very hard to predict.

Facts and myths about driving in Fort McMurray


  • Highway 63 carries more heavyweight trucks per day than any other road its size in Canada does.
  • Construction work to twin Highway 63 is now complete, with the highway running the full 240 km distance between Fort McMurray and Grassland. The final 3 km section of the highway was completed in May 2016 and the entire project cost $1.2 billion.
  • Following the 2014 land transfer agreement between the Province of Alberta and Wood Buffalo, improvements to Saprae Creek Trail (formerly Highway 69) were officially completed in October 2016.


  • Winter driving in Fort McMurray isn't different from winter driving in downtown Calgary. False. Fort McMurray's location in Alberta's far north brings a whole new meaning to the word 'cold'. There's more ice, more snow, and a longer winter driving season.
  • Fort McMurray is an industrial town. False. Fort McMurray has thriving neighbourhoods and communities like any other other city its size. Just look at Beacon Hill, Thickwood Heights, and Timberlea.
  • Fort McMurray doesn't get traffic jams. False. With the influx of people and all the industrial activity in this small city, Fort McMurray roads get packed. Highway 63 alone is known for its Los Angeles-like traffic jams.

Fort McMurray driving tips

  • Winterize your vehicle. Fort McMurray drivers are no strangers to snow, ice, or cold weather. Outfit your vehicle with winter tires, spare tires, extra antifreeze, and blankets.
  • Don't let your gas tank get too low. Because of the extremely cold winter temperatures in Fort McMurray, local road authorities recommend that drivers keep their tank more than half full. That way, if you run into trouble on the road, you can keep your heater on for a sustained period of time.
  • Give snow plows lots of room. When you drive in Fort McMurray, be patient with snow plows and stay well back. Plow operators will pull over to let vehicles pass after every 5 to 8 km.
  • Watch out for newbies. Fort McMurray gets thousands and thousands of newcomers every year, so be careful when you change lanes, drive through intersections, and turn. You know Fort McMurray roads, but others might not.
  • Drive cautiously on Highway 63.Running from Fort McMurray to the Athabasca oil sands, this stretch of road is packed day and night with transports and oil tankers, making this road one of the most dangerous places to drive in all of Canada. Stay out of truckers' blind spots and distance yourself from other vehicles.

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