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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.
April 19
Good job
The staff was helpful and knew what were doing.
Franziska Pedersen
April 17
Good pricing
Pleasant broker and helpful
April 17
filled out form online less than 5mins…
filled out form online less than 5mins called right away and setup call with bro...
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
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.
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.
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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We can help you find cheap car insurance quotes in Fort McMurray.

Fort McMurray is known as Canada’s oil production capital. A 2018 census found the city’s population - including the “shadow population”, which lives in Fort McMurray 30 days of the year - to be 111,687. Of those people, about 75,000 people live in Fort McMurray full time.

An expanding population has led to more drivers on the road, though the infrastructure has not kept pace with this growth. Plus, the huge oil industry means that heavy industrial traffic is a constant presence on Highway 63, resulting in challenging driving conditions. This is why Fort McMurray drivers need a great auto insurance policy. Luckily for residents, insurance rates in the city are competitive and they may be heading down even more.

At, you can make sure you secure the best possible rate by comparing quotes from auto insurance providers in your area. Luckily, there are lots of auto insurance companies serving Fort McMurray that may be a perfect fit. The best way to find out is to compare the market. At, you can find the cheapest car insurance prices from Fort McMurray car insurance brokers in your area — just like that.

Front view of a car. Illustration.

See how our customers in Fort Mcmurray save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from April 19, 2024
Female, 36 years old
fort mcmurray
Lowest Rate
Average Rate
Quote from April 19, 2024
Female, 26 years old
fort mcmurray
Lowest Rate
Average Rate
Quote from April 19, 2024
Male, 39 years old
fort mcmurray
Lowest Rate
Average Rate

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

Focus on

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

What can I do to get cheap car insurance in Fort McMurray?

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 equals 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 type 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 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.
Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for Before joining the team, Jessica worked as a National Online Journalist with and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

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*Represents the average saved by shoppers who obtained a Fort McMurray auto insurance quote on 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