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Car Insurance Alberta

Alberta Car insurance is a legal agreement between you and the insurance company.  You pay a car insurance company a premium and they in turn pay for any losses as written in your insurance contract.  Car Insurance in Alberta is mandatory and regardless of where you live in Alberta, car Insurance in required by law for all Canadian provinces and motorists must have car insurance.  Alberta Auto insurance may be compulsory, but the minimum coverage varies across Alberta. The possible penalties for driving without car insurance may be:
  • Fines ranging from $5,000 to $50,000
  • Having your driver’s license suspended and vehicle impounded.
  • If you are convicted of driving without valid car insurance, insurance companies may consider you as a "high-risk" driver and charge higher premiums or refuse to sell you insurance altogether.
  • If you do not have car insurance and have an accident, you may not be entitled to be compensated or be allowed to sue the other driver who may be at fault; and if you are at fault for an accident, you could be held personally responsible if causing injury or death to another person or persons.
  What determines the Rate of your Car Insurance Premium in Alberta? There are many things that determine the rate of your car insurance and your insurance company factors in several things such as; where you live, how you use your car or vehicle or if you take your car to work, the mileage to and from, what is your driving and claim record, are there others that will be included in the insurance policy, what kind of vehicle you drive and the amount of coverage your require.   How to purchase car insurance in Alberta You may purchase car insurance in Canada from 3 licensed sources; an insurance agent, broker or direct writer.
  • Insurance Agent – Insurance agents generally represent only one company and employed by that company.
  • Insurance Broker – Insurance brokers are licensed to sell car insurance on behalf of several insurance companies.
  • Direct Writer – Direct Writers are licensed insurance companies that sell their own insurance products directly to consumers.
Facility Car Insurance Alberta Facility Car Insurance ensures that automobile insurance is available to all owners and licensed drivers of motor vehicles that are unable to purchase automobile insurance through regular insurance companies.  The reason someone may require facility insurance is they are considered a “high-risk” driver and cannot obtain regular car insurance.  The Facility Association was established by the automobile insurance industry but does not issue insurance policies, but works with specific insurance companies that issue policies and handle claims on its behalf.  The Facility Association is an unincorporated non-profit organization of all automobile insurers serving the following provinces and territories: Alberta, New Brunswick, Newfoundland & Labrador, Northwest Territories, Nova Scotia, Nunavut, Ontario, Prince Edward Island, Yukon To find out more about Facility Insurance visit their website at

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