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What our users say:

Excellent
Based on 331 reviews
July 15
Auto Insurance
I was looking for an insurance rate that would help me save money, I did a Googl...
Louise Beaton
July 7
Great and honest service !!!
Meaghan Ford was amazing with her service and very patient in explaining all the...
Zee Sajid
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 18
Chelsea was very helpful
Chelsea was very helpful, answered all my questions and set me up hassle free. S...
Chris
June 11
Very nice broker
Very nice broker. Good service. Found a great deal.
Meredith Berggren
June 9
Simple, fast, affordable!
Took a little longer than expected for the billing to go through, but otherwise...
Jonathan C
June 5
Awesome work
wow what an awesome rep. He did up everything, extremely fast and was very under...
Delroy Paul
June 4
It was a pleasure dealing with your…
It was a pleasure dealing with your broker, it made switching insurance companie...
Michael Sheridan
May 27
Excellent customer service
This is the first time I got insurances from Direct Rate.I have nothing but good...
Tejas Patel
May 26
Quick service
Quick service, good price
dl
May 22
Imad Harrouk was great !
Imad Harrouk was great ! intelligent well spoken professional polite a perso...
james bannon
May 21
Imad Harrouk helped me get the best…
Imad Harrouk helped me get the best home and auto bundle insurance quote. He was...
Amanda Moskowitz
May 20
Excellent !!! Very competitive rates !!
Excellent customer services also they have very competitive rates !!
Eliza Gallant
May 20
Excellent Service
Sonia was patient with all of my questions, helpful and cheerful through the ent...
Cori Thompson
May 18
I was treated fairly and walked through…
I was treated fairly and walked through my purchase.I enjoyed the agent was exce...
paul neville
May 14
Highly recommend
Great experience, simple to use and they gave me a lot of options at prices that...
Chandra Wilson
May 11
Easy
Easy, clear and fast. Very effective.
Rene Izquierdo de la Cruz
May 6
Sonia was very helpful and nice…
Sonia was very helpful and nice throughout the whole process. She got me the bes...
Ali Al-Rubayee
May 6
Very friendly and professional
Very friendly and professional. She always try to help. Really appreciate.
Binod Shrestha
May 5
He was so amazing
He was so amazing. He went out his way to help me. He deserves a raise Very po...
Shahin Abbaskhan
April 27
Great rates!
Ryan was very helpful and polite.He went all out to find me the best rate. He wa...
Linda Shelton
April 22
The service was excellent
The service was excellent. Emad provided awesome service for me.
John Bowden
April 19
Fast and professional customer service
Fast and professional customer service. All of my questions were answered and I...
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When you find the best quote, secure your Red Deer auto insurance rate by talking to a licensed broker or agent.

We can help you find cheap car insurance quotes in Red Deer.

In Red Deer, Alta., a competitive rate could save drivers hundreds of dollars per year on their car insurance premiums. But finding a great car insurance policy is tough in Alberta, where rates have been on the rise for years.

Luckily, LowestRates.ca compares the car insurance market for you, so all you have to do is select the lowest rate. We work with dozens of auto insurance companies serving Red Deer, and we’re certain we can find you the policy that best suits your needs. All you have to do is fill out the form above and hit the pink button to get started.

In just a few minutes, you’ll be able to view the cheapest prices from Red Deer car insurance brokers and agents in your area, just like that.

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from July 31, 2021
Customer
Female, 24 years old
Location
red deer
Vehicle
2003 VOLKSWAGEN JETTA GL WAGON
Lowest Rate
$4,727/yr
Average Rate
$7,321/yr
Saved
35.00%
Quote from July 31, 2021
Customer
Female, 29 years old
Location
red deer
Vehicle
2013 DODGE/RAM TRUCK/VAN JOURNEY R/T 4DR AWD
Lowest Rate
$3,027/yr
Average Rate
$4,443/yr
Saved
32.00%

Focus on

Driving in Red Deer.

Most popular cars in Red Deer.

One thing that factors into how much you’ll pay for car insurance is the type of car you drive. Depending on the rates of theft and accidents for that particular vehicle, your rate might be affected. Here are the most popular cars in Red Deer among online auto insurance shoppers.

Popular Brands

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

Who shops for auto insurance in Red Deer?

The people of Red Deer are diverse, which means that car insurance premiums can fall into a wide range. Here’s a snapshot of who’s shopping for car insurance in Red Deer, from gender, to age, to driving history:

Gender of our users

Male
58%
Female
42%

Average Age

34

years old

Tickets & Accidents

Have Tickets
26%
Have Had Accidents
17%

What can I do to get cheap car insurance in Red Deer?

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 Red Deer car insurance, answered.

How much is car insurance in Red Deer?

There is no standardized cost for car insurance in Red Deer. This is because car insurance is customized to your specific circumstances and driving history. Several different factors are considered when calculating your premium, which means that your rate will be unique to you. Some are in your control — such as your driving history — while many of them are not — including the loss ratios of the car insurance company in Red Deer you’ve selected. Car insurance calculators geared for Red Deer drivers require less information, but this also makes them less accurate. Keep reading for more information on how to estimate your car insurance costs in Red Deer.

Which Red Deer postal code has the highest premiums?

The postal code with the highest average automobile insurance price in Red Deer is T4P. This area includes a lot of nature and green space, including Discovery Canyon, Geetz Lakes Migratory Bird Sanctuary and Three Mile Bend.

Which Red Deer postal code has the lowest premiums?

The T4N region pays the lowest prices for car insurance in Red Deer, according to data pulled from LowestRates.ca. In this district, you’ll find the Red Deer Golf and Country Club as well as Red Deer College. In addition, you’ll also find the Red Deer Regional Hospital Centre.

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

Cheap car insurance isn’t easy to find anywhere, and Red Deer is no exception. To give you an idea of what Canadians pay for car insurance in different Alberta cities, we pulled data from the LowestRates.ca database and crunched the numbers.

The most expensive cities to purchase car insurance in Alberta, starting with the highest, are:

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

Red Deer isn’t in the top five most expensive cities in Alberta to purchase car insurance. If you keep reading, you’ll notice that it isn’t in the list of the top five cheapest cities, either. This means that residents of Red Deer still need to keep their eyes peeled for a great car insurance rate.

See below for a list of the Alberta cities that pay the least in car insurance, starting with the lowest.

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

Our team decided to pull this data because where you live can have an impact on how much you’ll pay in car insurance premiums. It’s important to note though, that this isn’t the only factor. Your car insurance rates can also be affected by your age, driving history and driving frequency, along with a number of other things.

There are some things you can do to secure an affordable car insurance rate in Red Deer. Some of the factors within your control include maintaining a solid driving history with few or no tickets or accidents, choosing a vehicle that has a high safety rating and a low rate of theft, taking a defensive driving class, etc.

Despite this, a number of factors are not in your control. These can include things like where you live, your age, your gender, and the loss ratios of the insurance company you’re working with. These are calculated using the claims histories of that company’s other customers.

As you can see, insurance is a complex product and finding a cheap rate isn’t nearly as easy as it might sound. We recommend focusing on the factors you can control, mainly driving safely and making payments on time. And, make sure you compare the market to ensure you’re getting a competitive rate.

What factors determine my car insurance quotes in Red Deer?

There are a number of factors that determine your car insurance rates in Red Deer. Here 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 Red Deer should expect higher rates due to this.

Your mileage: How much you drive every day is another major contributor to what you’ll pay for auto insurance. 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 the occasional errand.

Your postal code: Insurance companies determine your rates partly based on the postal code region in which you live. 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 driving record will pay more for insurance than someone with a clean record, as they’ll be deemed higher risk. Having little driving experience (fewer than 10 years), previous claims, or driving convictions (or a combination of the three) will push your car insurance rates up. For this reason, car insurance rates for high-risk drivers in Red Deer will 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 enough of a driving history to demonstrate the opposite. There isn’t much you can do about it, but at least you’re not alone. Young people across Canada contend with higher auto insurance rates than the more experienced drivers they share the road with. This is another reason insurance companies are hesitant to give new drivers in Red Deer looking for car insurance a cheap rate.

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 as your auto insurance. After age 70, though, 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. Competitive car insurance rates for seniors in Red Deer may be harder to find for drivers above 70.

Your policy: How much you pay for auto insurance is impacted by how much coverage you buy. There are a number of different policies to choose from in Red Deer, 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 looking for car insurance in Red Deer may also face challenges because they have no Canadian insurance history at all. However, the fallout from this can be mitigated if you can provide proof of insurance from your previous car insurance company.

Having a consistent income: Having a regular source of income indicates to insurance companies that you’ll be able to make regular payments. This is also why students looking for car insurance in Red Deer may face challenges securing an affordable rate.

What kind of car insurance do I need in Red Deer?

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 Red Deer?

We’ve already talked about why car insurance is such a personalized product. This is also why there isn’t one provider who offers the cheapest rates to all its customers. In fact, it’s almost safe to say that no two car insurance premiums are exactly alike.

A wide range of factors are considered when insurance companies are calculating your rate. Some of these factors, such as your driving history, are in your control. Others, such as the underwriting standards of the company you’re working with, are not in your control. If you’re having trouble finding a rate you’re happy with, we recommend taking a few minutes to fill out a quote.

Here are some things that might impact your car insurance in Red Deer:

  • Congestion: Traffic and congestion are one of the most frequent causes of collisions, which can in turn increase your car insurance premiums. This is important for drivers, as Red Deer's rapid growth over the past decade led to more traffic than some of the roads were designed to handle. Keep an eye out on Red Deer's busiest intersection; the corner of 100 street and Highway 40. More than 5,000 vehicles pass through it every day. As Red Deer is the midpoint between Calgary and Edmonton as well as a key stop for drivers heading to Alaska, traffic can be tricky to navigate at times.
  • Weather: In Red Deer, winter comes early and stays for a long time. As weather can be a factor when insurance providers consider your car insurance rates, this is definitely something to keep in mind for Red Deer residents.
  • Reliable public transit: While the existence of a public transit system won’t have a bearing on your rates, whether or not you use it will. Mileage is one of the primary ways car insurance providers calculate your rates, so don’t forget about public transit.

Tips for reducing your car insurance premiums in Red Deer:

  • Buy snow tires: Not only are snow tires essential for safely navigating Red Deer's roads between the months of October and April, but they can be a great way to get a discount on your car insurance premiums. Make sure to check with your car insurance provider to see how much of a discount you qualify for.
  • Take public transit: Remember that great public transit system we mentioned? One great way to save on your car insurance is to reduce how much you drive by using it.
  • Bundle your home and car insurance: Most insurance providers will give you a discount for holding more than one insurance policy with them. If you’re already a homeowner in Red Deer, talk to your home insurance provider about bundling your car insurance policy.
Jessica Vomiero

Jessica Vomiero

About the Author

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

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