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What our users say:

October 2
Contact was very helpfull in going over…
Contact was very helpfull in going over my reguirements and explaning any questi...
Jim Kloepfer
September 27
Very good service
Very good service. I received a competitive quote for my insurance.
Maksym Marusenko
September 20
I appreciate the kind and welcoming…
I appreciate the kind and welcoming service I received.
Shawn M
September 20
Good
Very good 👍 experience with people 👌 very good experience I am coming with...
Gurmail Gosal
September 19
Easy and fast quote
Easy and fast quote. great customer service experience.
Maryanne Mooney
September 18
Can't think of anything else
Can't think of anything else. Very user friendly
Steve McFarlane
September 16
Good price
I'm good professional very fest response Quotes with good price
Karel Ferenc
September 16
Website is easy to use with quick and easy follow up
Website was simple and easy to use. The follow up with a live representative was...
Luc Dumouchel
September 12
the agent was very friendly and helpful
the agent was very friendly and helpful
Juerg Schmutz
September 8
Fantastic job
Fantastic job
Fikremariam Mengesha
September 4
Jen was super supportive and…
Jen was super supportive and knowledgeable and took the time to explain everythi...
Gail Chambers
September 3
Friendly and reliable
Friendly, efficient and reliable information was fgiven by the agent
Nondescfipt
September 2
Efficient service with excellent…explanations.
Efficient service with excellent explanations.Will definitely recommend you to f...
Norman Hunt
August 31
Great customer service
It felt like the person on the other side of the phone was going above to find m...
Dan Miller
August 31
The agent Mike Jericho was very helpful…
The agent Mike Jericho was very helpful & did his best to get us the best quotes...
Garry Stevenson
August 31
Very quick follow up and prompt advice
Very quick follow up and prompt advice
Alice Fonseca
August 28
I had a positive experience withhe…
I had a positive experience with the company that would be able to help me.
Beverley
August 19
Program efficiency
The program is user friendly, and information is helpful.
Yanling Sun
August 18
friendly, fair prices and time efficient
Sandra, Robert and the price per month! Wonderful
Shannon Carter
August 8
I got all the information I needed to…
I got all the information I needed to make a quick decision. The agent is knowle...
Denis Fernandes
August 4
Quick n easy
Quick n easy
Terry
August 2
Easy and fast
Easy and fast
Chealsey
July 31
Professional People
Professional People
Analyn Abendan
July 29
Quick response and reply to my messages
Quick response and reply to my messages
David
July 27
Fast response and found a lower rate.
Fast response and found a lower rate.
William Clifford
July 19
Saved over $700
Saved over $700. That says it all.
Tim

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

We can help you find cheap car insurance in Medicine Hat.

One way all Medicine Hat drivers can keep their driving costs down is to shop around for the best auto insurance rates. With LowestRates.ca, you can find the cheaper policy in minutes.

We’re able to compare multiple quotes from the leading car insurance companies serving Medicine Hat. After you receive your quotes, we will connect you with the Medicine Hat car insurance broker or agent offering you the lowest rate.

Keep reading to find out how you can further reduce your car insurance rate.

Front view of a car. Illustration.

See how our customers in Medicine Hat save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from October 04, 2024
Customer
Male, 38 years old
Location
medicine hat
Vehicle
2013 VOLKSWAGEN JETTA 2.0 TDI 4DR
Lowest Rate
$54/mth
$647/yr
Average Rate
$69/mth
$828/yr
Saved
$15/mth
21.86%
Quote from October 04, 2024
Customer
Male, 38 years old
Location
medicine hat
Vehicle
2012 AUDI A4 2.0T 4DR
Lowest Rate
$55/mth
$665/yr
Average Rate
$74/mth
$888/yr
Saved
$19/mth
25.11%
Quote from October 02, 2024
Customer
Male, 61 years old
Location
medicine hat
Vehicle
2024 FORD ESCAPE PHEV 4DR 2WD
Lowest Rate
$261/mth
$3,127/yr
Average Rate
$359/mth
$4,303/yr
Saved
$98/mth
27.33%

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

Focus on

Driving in Medicine Hat

Most popular cars in Medicine Hat.

According to our data, these are the vehicle brands online car insurance shoppers in Medicine Hat like the most:

Popular Brands

  1. Dodge
  2. Ford
  3. Chevrolet
  4. Nissan
  5. Volkswagen

Who shops for auto insurance in Medicine Hat?

Here's who's shopping for auto insurance online in Medicine Hat:

Gender of our users

Male
53%
Female
47%

Average age

35

years old

Tickets & accidents

Have tickets
25%
Have had accidents
20%

What can I do to get cheap car insurance in Medicine Hat?

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 driving in Medicine Hat, answered.

How much is car insurance in Medicine Hat?

When it comes to car insurance, there's no standard price tag. The cost of car insurance in Medicine Hat will vary for each driver.

Medicine Hat car insurance prices are based on a range of factors — your age, gender, as well as your insurance and driving histories. Insurance companies also use these criteria to gauge whether they want you as a client. If you meet the criteria for an ideal client, they'll want your business and will offer you a low rate.

Each company has its own method to calculate risk. Since there is no standard algorithm, the best way to find out how much car insurance in Medicine Hat will cost is to apply for a quote.

Car insurance calculator tools for Medicine Hat are inaccurate. Since calculators are built to be fast, they don't ask for enough information. Applying for a quote might take a bit longer, but it will take inventory of all the important information you need to supply an auto insurance company.

In the end, you’ll get to see exactly how much you’ll pay, unless your insurance agent or broker advises you to purchase more coverage than you’ve applied for.

Averages should not be relied on as an accurate estimate of how much car insurance in Medicine Hat costs. Most people do not pay the average price. Averages also include demographics that pay the highest rates (new drivers) as well as the people who pay the least (seniors). Also, online rate comparison sites are more popular with younger drivers, which will further skew the average.

 

Which Medicine Hat postal code has the highest average premiums?

According to LowestRates.ca data, the Medicine Hat postal code region that pays the most for car insurance is the T1C region. This postal code region is split into two.

Which Medicine Hat code has the lowest average premiums?

According to LowestRates.ca data, the Medicine Hat postal code region that pays the least for car insurance is the T1A region.

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

According to LowestRates.ca data, Medicine Hat is the fifth cheapest city for auto insurance in Alberta. Here are the other Alberta cities that are cheapest for car insurance, beginning with the cheapest city:

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

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

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

Where you live is an important factor in determining your car insurance rates, but Medicine Hat 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 Medicine Hat.

Where do I get the cheapest car insurance quotes in Medicine Hat?

There isn’t one car insurance company serving Medicine Hat that offers cheap insurance to all its customers.

There’s a strong chance that another car insurance company can offer you a better rate than the one you’re with right now. That’s why we emphasize shopping around before locking into an insurance policy.

Car insurance rates for Medicine Hat seniors

Adults between the ages of 50 and 70 get some of the lowest car insurance rates in Medicine Hat. After age 70, you might see your rate begin to creep up. If you do, it may be time to shop around for new automobile insurance in Medicine Hat.

Car insurance rates for Medicine Hat students

Car insurance for new drivers in Medicine Hat is expensive. Young people pay, on average, the highest insurance premiums of any demographic.

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

  • Avoid getting your own car. It’s cheaper to be listed as the secondary driver of your parents’ car.
  • If you’re in school, 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 Medicine Hat, 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 Medicine Hat car insurance quotes.

Medicine Hat car insurance rates for new immigrants

If you’ve recently immigrated to Medicine Hat, you can’t drive without having the proper licence and insurance. Ask your old insurance company to provide a reference to your new Medicine Hat auto insurance company. This can help lower your car insurance rate because you have proof of your insurance and driving history.

Medicine Hat car insurance rates for high-risk drivers

It’s hard to find cheap auto insurance rates in Medicine Hat as a high-risk driver, but there are insurance companies that cater to high-risk drivers. You can also purchase facility insurance, which is a pool that is funded by Canadian insurance companies to offer coverage to high-risk drivers. LowestRates.ca provides quotes from both providers.

More tips for reducing your car insurance premiums in Medicine hat

  • Don't speed in Medicine Hat. Traffic tickets will make your premiums go up. The police in Medicine Hat use two photo-radar vehicles to enforce speed limits throughout the city. Roads running through Medicine Hat school and playground zones have a strict 30 km/h speed limit unless otherwise posted. The limit is enforced on school days between 8:30 AM up until 1 hour after sunset.
  • Install snow tires. The city does have a semi-arid climate, but this is Canada. Medicine Hat gets its fair share of snow, so enhance your safety and the safety of others by investing in good snow tires.
  • Reduce your annual mileage. Try carpooling or biking in the summer. It’s a myth that Medicine Hat has no real public transit. Medicine Hat Transit has a fleet of buses that serve residents and visitors throughout the city. 
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.

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