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What our users say:

July 23
They way everyone was so polite and…
They way everyone was so polite and helpful
Yasameen Siddiqi
July 22
Quotes over the phone were great...
Quotes over the phone were great...
Gregory Nowak
July 22
Communication was easy
Communication was easy. Quick call from the staff after application was submitte...
Richard Fababeir
July 20
I Spoke With a Very nice Young Man and…
I Spoke With a Very nice Young Man and he was very helpful
Suzanne Sharma
July 19
Very god interaction with your agent
Very god interaction with your agent, who was knowledgeable, efficient and nice ...
emanuel pivniceru
July 19
Saved over $700
Saved over $700. That says it all.
Tim
July 18
Responsive helpful
Very helpful thank you
Karel Ferenc
July 17
Great Customer service
I was very happy and please with the outcome of the call, all my questions were ...
Santo
July 17
Quick and easy
Quick and easy. Very helpful broker
Peter Deeprose
July 17
Very knowledgeable and helpful sales…
Very knowledgeable and helpful sales staff.
Lisa Rucha
July 17
Mark was very informative and not…
Mark was very informative and not pushy. He was very helpful and I appreciate it...
Brenda Hanzuk
July 16
Super helpful
Super helpful, quick and easy!
Mandy J
July 12
Excellent service
The lowest rates agent called me right after I finished the initial question and...
D-Glenn Surgenor
July 11
Professional all the way!
They were able to find the right coverage at the right price in a short time. P...
Jeff
July 7
The name says it all
The name says it all, lowest rates available and very professional service. 5 st...
Adam Koester
July 5
The service I received today 7/4/24 was…
The service I received today 7/4/24 was amazing and swift.
MARIO CLARKE
June 28
There was an instant offer and then…
There was an instant offer and then quick follow up.
Dcghelani
June 20
Good
Good rates using
Sharma
June 10
The service was quick and convenient.
The service was quick and convenient.
Eddy
June 2
Great customer service!
Great customer service!
Owen Thompson
May 23
There going to help you be covered as long as you keep keep up with your monthly payments against somebody else s fire and flood damage if you started the fire or flood by no fault of your own doing .
My sister refused me to cooperaters in hamilton for apt fire insurance .they gav...
Cindy Lou
May 15
The Hope of a more cost saving policy
The Hope of a more cost saving policy
Caroline m Fremont
May 14
They went through the insurance…
They went through the insurance information with me , and allowed me to save hun...
Kevin Jessome
May 5
I was so impressed with your…
I was so impressed with your representative- Bhakti Joshi for her help in walkin...
Maureen Driscoll
May 5
The fellows were very friendly and…
The fellows were very friendly and helpful
Leona Toner
May 4
Very Helpful when time you need it
I have been using lowest rate.ca to find the best raye for any of my insurance a...
Eli
April 19
Sean was easy to talk too and very…
Sean was easy to talk too and very informative.
Angela

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Car insurance in Airdrie, Alberta 

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. 

Factors that determine your car insurance rates in Airdrie

Not all drivers or situations are equal. The following factors may weigh into determining how much you will pay for Airdrie car insurance: 

Car insurance rates for Airdrie seniors

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.

Car insurance rates for Airdrie students

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: 

Car insurance for new immigrants in Airdrie

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. 

Car insurance for high-risk drivers in Airdrie. 

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.

Front view of a car. Illustration.

See how our customers in Airdrie save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from July 22, 2024
Customer
Female, 61 years old
Location
airdrie
Vehicle
2003 HYUNDAI SONATA GLX V6 4DR
Lowest Rate
$36/mth
$429/yr
Average Rate
$58/mth
$695/yr
Saved
$22/mth
38.27%
Quote from July 22, 2024
Customer
Female, 43 years old
Location
airdrie
Vehicle
2018 MITSUBISHI RVR SE 4DR 4WD
Lowest Rate
$131/mth
$1,571/yr
Average Rate
$197/mth
$2,368/yr
Saved
$66/mth
33.66%
Quote from July 22, 2024
Customer
Female, 43 years old
Location
airdrie
Vehicle
2018 FORD EXPLORER PLATINUM ECOBOOST 4DR 4WD
Lowest Rate
$128/mth
$1,538/yr
Average Rate
$199/mth
$2,389/yr
Saved
$71/mth
35.62%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

How to get the cheapest car insurance in Airdrie

Getting the cheapest car insurance in Airdrie can be achieved with some of the following tips:

Shop

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. 

Appropriate Coverage

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.

Driver’s Education

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. 

Bundling

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.

Paying on time/Pay upfront

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. 

Driving record

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. 

Tires

Many Airdrie auto insurance companies will provide discounts for winter tire usage.

Other discounts

Members of associations, alumni and other groups can find discounts among Airdrie car insurance companies. Ask your provider to see if you qualify.

 

 

Frequently asked questions about car insurance in Airdrie. 

 

How much is car insurance in Airdrie?  

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. 

 

Which Airdrie postal code has the highest average premiums?

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 

 

How do Airdrie car insurance rates compare to other cities in Alberta? 

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. 

 

Where do I get the cheapest car insurance quotes in Airdrie?

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. 

 

What are some tips for driving in Airdrie?

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. 

 
Alexandra Bosanac

Joel Kranc

About the Author

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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*Represents the average saved by shoppers who obtained an Airdrie quote on LowestRates.ca and transacted via our contact centre between January and December 2022. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by LowestRates.ca.