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When you find the best quote, secure your Airdrie auto insurance rate by talking to a licensed broker or agent.
Airdrie is the fifth largest city in Alberta following Calgary, Edmonton, Lethbridge and Red Deer. It is considered part of the Calgary Region and a member of the Calgary Region Metropolitan Board.
In Alberta, basic automobile insurance (accident benefits and third-party liability) is required by law. Additional insurance coverage (such as collision and comprehensive) is not required by law. Airdrie car insurance is regulated by The Automobile Insurance Rate Board (AIRB), which regulates automobile insurance rates in all of Alberta. The AIRB approves all rating programs for insurers selling basic and additional coverage to Albertans.
Because optional coverage is not mandated by law in Alberta, The AIRB has not set a price ceiling on Airdrie car insurance rates, unlike basic coverage for which there is a price cap.
Not all drivers or situations are equal. The following factors may weigh into determining how much you will pay for Airdrie car insurance:
How much driving experience you have: Generally speaking, the more experience you have as a driver the less of a risk factor you will be to insurance companies.
Your driving history: Airdrie insurance companies will want to see your driving record, if you’ve had infractions and if you’ve made claims. A clean record will be rewarded with lower premiums.
Your gender and age: Young drivers still have a lot to learn and will be considered a higher risk factor than older drivers. Male drivers are also more prone to a greater number of accidents. Your Airdrie car insurance company will reflect this in their premiums.
Where you drive and park: Different areas pose different risks. A highly congested area, or perhaps an area with a high crime rate will be a greater risk. Also, a well-lit safe parking area has less of a chance of break-in or theft.
How much you drive: Casual drivers who do little to no commuting have fewer chances for accidents than drivers who are constantly on the road in rush hour. Your Airdrie auto insurance provider will take note of the nature of your driving and how much of it you are doing.
Your vehicle: Not all cars are the same. Some higher-end cars are attractive to thieves or have high maintenance and replacement costs. This will be considered by your Airdrie auto insurance provider.
The amount of coverage you need: More is more. Opting for additional coverage gets you into auto insurance rates that are no longer capped and will affect your costs.
With age comes wisdom – and better driving skills according to Airdrie car insurance providers. Drivers who are in the 50 to 65 age range are in the sweet spot for auto insurance premiums as they are considered the safest and most experienced.
Drivers older than 70 might see their rates climb up again as increased age could lead to risk of accidents. This could also lead to more claims from drivers in that age category making it expensive for Airdrie auto insurance providers.
If you are a senior who has seen your auto insurance premium increase with age, comparing rates with different companies may yield savings. Use LowestRates.ca's online quote tool above to get started.
Students have it rough in the insurance game. Their age combined with their lack of driving record/experience leads Airdrie auto insurance providers to consider them a very high-risk category. This could lead to accidents and a greater number of claims.
This starts to change by your mid-20s when insurance companies begin to ease up on rates and, in fact, start to decrease over time.
There are some ways you can control your student car insurance costs. For example:
Use your parents' car and ask to be added as a secondary driver to their insurance policy.
Take a driver's education course. Airdrie auto insurance companies often provide discounts when drivers take steps to improve their skills and experience.
Maintain good grades. Some insurance providers offer good student discounts. Ask your provider what they require.
Newcomers to Alberta can get auto insurance right away with a valid driver’s licence. However, you will need an Alberta driver’s licence eventually. You’ll have a 90-window from the time you arrive, which also may require a new driver’s and knowledge test.
You can visit the Government of Alberta website to learn more about which country’s licences are accepted and/or have further requirements to obtain an Alberta licence.
Even if you’re prone to infractions and have a relatively unsafe driving record, you will need Airdrie auto insurance. The problem is that you will likely pay more than your safer car brethren.
There are providers that will offer you coverage. LowestRates.ca partners with the best high-risk car insurance providers to ensure you can obtain the coverage you need at the lowest rate available.
Getting the cheapest car insurance in Airdrie can be achieved with some of the following tips:
Comparison shopping on sites like LowestRates.ca provides current Airdrie quotes from the top providers in the area. You can also talk to your agent or broker about competitive Airdrie auto insurance quotes.
Ensure that you are paying for the insurance you need. Talk to your insurance provider about whether mandatory or optional coverage fits your needs, for example. Also, reviewing your policy once a year will allow you to see if you are paying for what you need and/or if you can renegotiate your premiums.
Most Airdrie auto insurance companies look favourably on driver education. It reduces risk (meaning potential for claims), and it sharpens your skills as a driver. The extra “experience” can help reduce premiums.
Taking out all your insurance needs from one provider can save you money. Life and home, bundled with your car insurance, gives an incentive to your Airdrie car insurance provider to reduce rates and reward your loyalty.
Higher crime rate areas might induce higher Airdrie auto insurance premiums. If possible, keep your car locked in a secure area when not in use and avoid areas that are prone to theft and/or vandalism.
The safer you are and are able to maintain a clean driving record, the more your insurance company will keep premiums to a minimum. It’s good road practice and it helps save you money.
Many Airdrie auto insurance companies will provide discounts for winter tire usage.
Members of associations, alumni and other groups can find discounts among Airdrie car insurance companies. Ask your provider to see if you qualify.
There are several variables that determine car insurance rates in Airdrie. Male drivers who are 25 will pay $2,000 per year in premiums, whereas drivers who are 60 will pay $1,761.
According to the Alberta Insuramap, Airdrie has only two area codes in the T4A and T4B locations. The rates in both areas are the same:
Male 35 - $2,000
Female 35 - $2,000
M/F 20 - $4,487
M/F 60 - $1,761
The average Alberta insurance rate is $1,991. So, for experienced drivers with a clean record living in Airdrie, the rate is lower at $1,761. Younger, less experienced drivers will pay more.
In Calgary, the average 35-year-old male pays $2,230 –$230 more than the Airdrie citizen of the same age, and in Edmonton the average 35-year-old male is also paying more than an Airdrie driver at $2,124.
Airdrie is third on the list and ties with Chestermere for a rate of $2,000 per year.
Getting the cheapest car insurance quotes in Airdrie starts with comparison shopping on LowestRates.ca. A few bits of information about your driving and insurance needs, and you are provided with current Airdrie auto insurance quotes. You’ll be connected with a broker who can help you through the process and start saving.
Each insurance company will take different issues into account when assessing your risk and premiums. It’s best to address these issues ahead of time so you know how to approach each insurance provider to access their best rates.
Airdrie is located very close to Calgary near Highway 2. Congestion and traffic have become more of an everyday issue, especially as it has become part of the Calgary Region municipality. Cautiousness is key when driving in Airdrie.
There are also parks and recreational areas for drivers to be aware of a plethora of schools with young children. The speed limit in residential zones is 30km/h so keep it slow and safe.
Joel Kranc is an award-winning writer, author and journalist. Most of his experience lies within the institutional investment and financial services space. He also covers a variety of business topics for publications in North America and the UK.
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* Shoppers in Ontario who obtained a quote on LowestRates.ca from January to December 2021 saved an average of 32%. The average savings percentage represents the difference between the shoppers’ average lowest quoted premium and the average of all other quoted premiums generated by LowestRates.ca and displayed to shoppers.