Compare Medicine Hat car insurance quotes and get the best affordable rates for free.

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What our users say:

February 16
Fast and easy good response
Fast and easy good response
Robert Burke
February 16
Great service
Great service
Waseem Akhter
February 15
Website is easy to use the…
Website is easy to use the representatives were so helpful, wasn't on hold long ...
Olivia
February 15
very easily approach for info and clear…
very easily approach for info and clear to understand
DANIEL HELDER
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
February 14
The person i talked made it easy she…
The person i talked made it easy she was easy to talk to she quick and i feel i ...
Calvin Shelley
February 13
very good and easy
very good and easy
Noel Tavas
February 10
The agent was very pleasant
The agent was very pleasant and thorough. She reviewed the important informatio...
Bernard Wrobleski
February 10
Finally service
Knowledgable friendly considerate and concerned
Rick D
February 9
Very fast
Very fast, efficient and helpful. I would not hesitate to recommend this company...
Anna Paquette
February 9
Friendly approach and talk and showing…
Friendly approach and talk and showing kindness and help.
Abdul Lodin
February 7
The agents i dealt with were amazing
The agents i dealt with were amazing! Thank you to Juliana & Alicia
Concetta Mastrangelo
February 7
Very Kind and Patient
Very kind all the way through. Took time to explain every step and were patient ...
Hunter Hughes
February 2
Easy to use and quick follow up
Easy to use and quick follow up. Thanks .
Terry Collins
January 31
Very pleasant to deal with.
Very pleasant to deal with.
Janet
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
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
Liliana FERNANDEZ
July 13
THE PERSON ANSWERED ALL MYY QUESTIONS
THE PERSON ANSWERED ALL MYY QUESTIONS
Antonio
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O
June 22
Very professional polite & knowledgeable
Very professional polite & knowledgeable
Raymond Beaudoin

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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 February 18, 2024
Customer
Female, 62 years old
Location
medicine hat
Vehicle
2007 HONDA RIDGELINE EX-L 4WD
Lowest Rate
$158/mth
$1,895/yr
Average Rate
$262/mth
$3,144/yr
Saved
$104/mth
39.73%
Quote from February 18, 2024
Customer
Female, 62 years old
Location
medicine hat
Vehicle
2006 PORSCHE 911 CARRERA 4S 2DR COUPE AWD
Lowest Rate
$65/mth
$781/yr
Average Rate
$112/mth
$1,347/yr
Saved
$47/mth
42.02%
Quote from February 18, 2024
Customer
Female, 62 years old
Location
medicine hat
Vehicle
2016 TOYOTA SIENNA LE V6 AWD
Lowest Rate
$59/mth
$711/yr
Average Rate
$89/mth
$1,062/yr
Saved
$29/mth
33.05%

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 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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