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Get a car insurance quote in Alberta

Save up to 25% on your premium based on your good driving habits with my Drive™.

With us, you stay in the driver's seat. Get a car insurance quote and the right protection for your needs.
  • Save up to 25% with my Drive
    Save up to 25% on your car insurance by driving safely. my Drive may reward you for your safe driving and provides personalized tips to improve your driving.1,2
  • Roadside assistance
    Get help fast, when you need it. Drive worry-free with roadside assistance. Available at a competitive price, you can add roadside assistance to your auto insurance policy to get help on the road anywhere in Canada and the United States.3
  • Canada’s biggest claims team
    No one wants to be involved in an accident. In the event it happens, and you need to make an auto insurance claim, our team will do its best to make sure the process is as quick and easy as possible. 


Have the right car insurance when you take the wheel and drive worry-free. Our auto insurance will provide options to obtain the coverage best suited to you and your particular vehicle, regardless of whether it is used, new, an SUV, a sedan, or another car type. 

  • Third Party Liability Coverage protects you against claims for damage to property or injury caused in an auto crash, including court defense, examination expenses, and legitimate charges awarded against you by the courts.

  • Direct Compensation Property Damage Coverage may cover damages to your vehicle and its contents if another driver is at fault.

    • May covers medical payments for assessment, treatment and rehabilitation that are not covered by the provincial health plan after injury caused in an accident. 
    • May also includes coverage for funeral benefits, grief counseling, total disability income benefit and death benefits. 
  • Optional

    Various levels of physical damage coverage for your vehicle are available, depending on how much protection and coverage you want for your car: 

    • Specified Perils Coverage: Covers your vehicle against a limited number of predetermined risks, like theft, some natural disasters, hail, riots or civil disturbances.  
    • Collision or Upset Coverage: If damages are caused to your car because you've crashed into something (like a light post, guardrail, or another vehicle), Collision or Upset coverage could cover the cost of those repairs. You may just have to pay the deductible. 
    • Comprehensive Coverage: Covers the expenses to fix the damage to your vehicle from unpredictable circumstances such as fire, theft, vandalism, or some natural disasters. 
    • All Perils protection: A combination of Comprehensive coverage and Collision or Upset Coverage.

Car Insurance in Alberta

Are you driving through the streets of Edmonton? Maybe you take vacation trips to Jasper or Banff? Wherever you go in Alberta, we have your back with tailored and competitive auto insurance coverage. Plus, we even make it easy to get a car insurance quote online.

Get tailored car insurance coverage in Alberta

Getting the right car insurance for your need is important. Reach out to your insurance broker to get the protections you need for your car in Alberta, whether you live in a city or a rural area.

  • Why you should get car insurance coverage in Alberta
    In Alberta, it is mandatory to have car insurance liability coverage if you own and drive a vehicle. Repairing damage can be very expensive to pay out of pocket in Alberta, so with the right car insurance policy, you can save on the cost of repairing damages. You could also get coverage for some of the amounts you will pay relative to injuries that were incurred in a road incident. Accidents can happen to the best drivers, so having that extra peace of mind with the right car insurance will go a long way.
  • Ways to save on car insurance coverage in Alberta
    Every Albertan car owner must have car insurance. Know that there are plenty of ways to save money on your insurance coverage while getting the coverage you require, to enjoy peace of mind at the best price. Here are some tips:
    • Combine your home and car insurance policies to save
    • Enroll in my Drive™ to save up to 25% on your car insurance premium
    • Own an electric or hybrid vehicle
    • Reduce your insurance cost by owning a vehicle that is less expensive to insure
    • Remain a safe driver and limit driving violations: one of the ways to lower your vehicle insurance premium is to put safety first and follow the rules

Programs and add-ons

If you have specific needs or want the most competitive offer, take advantage of our programs and endorsements. To learn more, ask your broker and or get a car insurance quote.4

Claims advantage

the event you are a victim of a hit and run causing damage to your vehicle over $1,000 or it is a total loss, your deductible will be waived. 

Minor conviction rating waiver

Have peace of mind knowing your first minor conviction, such as a speeding ticket, won't affect your premium.

Accident rating waiver

Protect your good driving record at Intact Insurance and keep your premium from going up as a direct result of your first at-fault accident.  

Plus Pac

Automobile physical damage extension package extends your protections. Enjoy coverage for a replacement rental vehicle in the event of an insured loss, coverage for damages you may cause to a rental vehicle in Canada and the United States as well as roadside assistance.


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Bundle and save in Alberta!

Combine your home insurance and auto insurance and take advantage of the exclusive benefits. Save up to 18%5 on your home insurance policy and get up to 10%5 off your car insurance premium.


man with a van
  • my Drive
    Safe driving helps you save! Save up to 25% on your car insurance premium with my Drive. Enroll with your insurance broker today. 
  • Bundle your home and car insurance
    Get the best value for your money by bundling your home and car insurance together!
  • More ways to save
    You own multiple vehicles and insure them with Intact Insurance? Is your car electric or hybrid? You currently attend a post-secondary institution as a full-time student? You’ve passed a registered driving course within the last 3 years? It could help you save!


Our car insurance in Alberta can come with Collision or Upset Coverage which may protect you in the event of a collision with other vehicles or other road objects, like guardrails or lamp posts, as well as third party liability coverage. In addition to the mandatory coverage, coverage against specified perils, covering repair damages from situations like fire and theft. Lastly specified perils coverage protects your car specific threats like theft, natural disasters, rioting or civil unrest. In addition to the mandatory coverage, coverage against specified perils, covering repair damages from situations like fire and theft. Specified Perils Coverage protects your car against specific threats like theft, natural disasters, rioting or civil unrest.

Alberta does not allow temporary car insurance. You can apply for a special in-transit permit which lets you use your current licence plate and registration for two weeks, but Alberta car insurance is not included. The shortest duration for a car insurance policy you can get in Alberta is six months.

A classic car insurance policy can be provided to Albertan drivers through our my Collector program. If you own an Antique vehicle (20 years or older not modified in any way from manufacturer's original specifications), or a Classic Vehicle (between 15 and 19 years old and not modified in any way from manufacturer's original specifications), you could be eligible for my Collector vehicle coverage.  If you have any questions about classic or Antique car insurance, don’t hesitate to reach out to your broker.

The cost of car insurance in Alberta is based on a variety of factors that affect your car insurance premium. These factors can be:

  • The type of car you drive
  • Where you live and work in Alberta
  • The number of years you’ve been driving
  • How frequently do you drive
  • Driving lessons you’ve taken
  • Your driving habits
  • The type of protection you require
  • The amount of deductible you pay

If you have any questions about your car insurance premium in Alberta, don’t hesitate to reach out to your broker. 

If you have a valid driver's license and the owner of the car gives you permission to use their vehicle, most car insurance policies will provide coverage under the driver’s car insurance policy. If you have any questions about coverage for driving someone else’s car, don’t hesitate to reach out to your insurance broker.

Based on the amount of protection you want from your auto insurance; you may pick from a variety of coverage options regardless of the type of vehicle you are going to insure:

  • You could be protected by Collision and Upset Coverage against the expense of repairing damage to your car that results from collisions with other cars or obstacles like guardrails.
  • Comprehensive coverage may provide coverage against perils other than Collision and Upset and protects you against the cost of repairing damage to your car caused by unforeseen events like arson, robbery, graffiti, or natural catastrophes.

Only particular risks, like theft, natural catastrophes, rioting, or civil unrest are covered by Special Perils Coverage.

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Talk to a broker in Alberta

It can be a challenge to find the right type of car coverage you need on your own. That’s why we have over 2,000 broker relationships across Canada. Insurance representatives are highly skilled in assessing your car insurance needs and offer the right coverage for your situation and budget. Call a broker today and get car insurance tailored to your needs today.

Get a car insurance quote in Alberta

Have the right protection when tackling the twists and turns of the highway. Find the best auto insurance policy for your needs, starting with getting an auto insurance quote. Getting an auto insurance quote is the first step to protecting your vehicle.