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Things to Know Before Getting Airdrie Car Insurance
If you’re considering getting car insurance in Airdrie, here are some things to keep in mind:
- Airdrie is a fast-growing city in Alberta, with a population of around 70,000 people. As a result, traffic can be heavy at times, particularly during rush hour or on major thoroughfares.
- Alberta has a no-fault insurance system, which means that all drivers are required to carry a minimum amount of insurance coverage to protect themselves in the event of an accident, regardless of who is at fault.
- Insurance rates can vary widely between different providers, so it’s important to shop around and compare coverage and rates from multiple insurers to find the best policy for your needs and budget.
- Factors that can influence your insurance rates include your driving record, the type of vehicle you drive, your age and gender, and the amount of coverage you choose.
- Airdrie experiences cold, snowy winters, which can increase the risk of accidents on the road. Be sure to prepare your vehicle for winter driving by equipping it with winter tires and driving more slowly and cautiously on icy or snowy roads.
- Airdrie has a number of pedestrian-friendly areas, including the downtown core and some residential neighborhoods. Be sure to yield to pedestrians in crosswalks and follow posted speed limits.
- Consider working with an independent insurance broker in Airdrie, who can help you compare rates and coverage options from multiple insurers and find the best policy for your specific needs and budget.
What is the Average Car Insurance Cost in Airdrie?
The average auto insurance premium in Airdrie is $1,301.
Here’s the estimated monthly car insurance costs range for different driver profiles with a clean driving record in Airdrie:
| Driver Profile | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| G1 Driver | $180 – $305 | $270 – $450 | $360 – $610 |
| G2 Driver | $110 – $180 | $165 – $275 | $220 – $370 |
| G | $90 – $150 | $135 – $225 | $180 – $300 |
| Teenage Driver | $180 – $305 | $270 – $450 | $360 – $610 |
| Young Driver | $110 – $180 | $165 – $275 | $220 – $370 |
| High-risk Driver | $225 – $380 | $340 – $570 | $450 – $760 |
| Occasional driver | $50 – $85 | $75 – $125 | $100 – $170 |
| Pleasure | $40 – $70 | $60 – $100 | $80 – $135 |
| Commuting | $70 – $120 | $105 – $175 | $140 – $235 |
| Good driver | $45 – $75 | $65 – $110 | $90 – $150 |
| Bad driver | $225 – $380 | $340 – $570 | $450 – $760 |
| New Driver | $135 – $225 | $200 – $335 | $270 – $450 |
| Secondary Driver | $55 – $95 | $80 – $135 | $110 – $185 |
| 17 Years Old | $180 – $305 | $270 – $450 | $360 – $610 |
| Seniors | $55 – $95 | $80 – $135 | $110 – $185 |
| Over 55 Years Old | $50 – $85 | $75 – $125 | $100 – $170 |
| Students | $110 – $180 | $165 – $275 | $220 – $370 |
| International Driver | $180 – $305 | $270 – $450 | $360 – $610 |
| Newcomers | $180 – $305 | $270 – $450 | $360 – $610 |
| Men Driver | $90 – $150 | $135 – $225 | $180 – $300 |
| Women Driver | $70 – $120 | $105 – $175 | $140 – $235 |
| Married Couples | $45 – $75 | $65 – $110 | $90 – $150 |
| Usage-Based | $45 – $75 | $65 – $110 | $90 – $150 |
| Uber/Lyft | $110 – $180 | $165 – $275 | $220 – $370 |
| Personal use | $45 – $75 | $65 – $110 | $90 – $150 |
| Business use | $70 – $120 | $105 – $175 | $140 – $235 |
Here’s the estimated monthly car insurance costs range for different types of cars in Airdrie:
| Car Type | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| Sedan | $45 – $75 | $65 – $110 | $90 – $150 |
| Convertible | $55 – $90 | $80 – $135 | $110 – $180 |
| Hatchback | $40 – $70 | $60 – $100 | $80 – $135 |
| Wagon | $45 – $75 | $65 – $110 | $90 – $150 |
| Coupe | $50 – $85 | $75 – $125 | $100 – $170 |
| SUV | $60 – $100 | $90 – $150 | $120 – $200 |
| Truck | $50 – $85 | $75 – $125 | $100 – $170 |
| Minivan | $55 – $90 | $80 – $135 | $110 – $180 |
| Van | $50 – $85 | $75 – $125 | $100 – $170 |
| Electric Car | $65 – $110 | $100 – $170 | $135 – $220 |
| Hybrid Car | $60 – $100 | $90 – $150 | $120 – $200 |
| Multi Car | $45 – $75 | $65 – $110 | $90 – $150 |
| Exotic Car | $180 – $305 | $270 – $450 | $360 – $610 |
| Luxury Car | $135 – $225 | $200 – $335 | $270 – $450 |
| Classic Car | $70 – $120 | $105 – $175 | $140 – $235 |
| Vintage car | $80 – $135 | $120 – $200 | $160 – $270 |
| Sports Car | $90 – $150 | $135 – $225 | $180 – $300 |
| Leased Car | $55 – $90 | $80 – $135 | $110 – $180 |
| 2 Door | $50 – $85 | $75 – $125 | $100 – $170 |
Here’s the estimated monthly car insurance costs range in Airdrie for a driver profile of age 35, married, based on their driving history:
| Driving History | Monthly Cost (Liability only) | Monthly Cost (Liability + Collision) | Monthly Cost (Full coverage) |
|---|---|---|---|
| 1 one at-fault accident | $70 – $120 | $110 – $185 | $150 – $250 |
| 2 one at-fault accidents | $85 – $145 | $130 – $220 | $175 – $290 |
| 1 non-fault accident | $50 – $85 | $75 – $125 | $100 – $170 |
| DUI conviction | $150 – $250 | $225 – $375 | $300 – $500 |
| 1 Speeding Ticket | $55 – $90 | $80 – $135 | $110 – $180 |
| 2 Speeding Tickets | $70 – $120 | $110 – $185 | $150 – $250 |
Who Has the Cheapest Car Insurance Quotes in Airdrie
| Rank | Auto Insurance Company | Annual Rate |
|---|---|---|
| 1 | Millennium | $1,320 |
| 2 | Wawanesa | $1,337 |
| 3 | SG Canada | $1,352 |
| 4 | Travelers Dominion | $1,455 |
| 5 | Coseco | $1,470 |
How Does Airdrie’s Average Car Insurance Cost Compare to Other Cities?
Here are some average car insurance costs in Alberta cities, in 2023:
- Calgary – $1,332
- Edmonton – $1,379
- Airdrie – $1,301
- Red Deer – $1,321
- Lethbridge – $1,494
- Medicine Hat – $1,500
- Fort McMurray – $1,606
- Grande Prairie – $1,865
Which Cars Have the Cheapest Car Insurance in Airdrie?
The cost of car insurance in Airdrie can vary depending on a number of factors, including your driving record, age, and the type of vehicle you drive. However, here are five cars that are generally considered to have lower insurance rates, based on data from various insurance companies:
- Honda Civic
- Average insurance rate in Airdrie: $1,232 per year
- Toyota Camry
- Average insurance rate in Airdrie: $1,253 per year
- Hyundai Elantra
- Average insurance rate in Airdrie: $1,273 per year
- Ford Escape
- Average insurance rate in Airdrie: $1,296 per year
- Jeep Cherokee
- Average insurance rate in Airdrie: $1,326 per year
It’s important to note that these rates are based on averages and can vary depending on individual circumstances. Additionally, the make and model of the car is just one factor that affects insurance rates, so it’s important to compare rates from multiple insurance providers and consider other factors like your driving record and the amount of coverage you need to ensure you have adequate protection on the road.
How to Get the Cheapest Car Insurance in Airdrie?
If you’re looking for ways to get the cheapest car insurance in Airdrie, here are some tips to consider:
- Shop around: Rates can vary significantly between different insurance providers, so it’s important to compare rates from multiple insurers to find the best policy for your needs and budget.
- Bundle policies: Some insurance providers offer discounts for customers who bundle multiple policies, such as home and auto insurance, together.
- Increase your deductible: Choosing a higher deductible can lower your monthly premiums, but it also means you’ll be responsible for a larger portion of the cost if you get into an accident.
- Maintain a good driving record: Having a clean driving record, with no accidents or tickets, can help you qualify for lower rates.
- Take a defensive driving course: Some insurance providers offer discounts to drivers who take approved defensive driving courses.
- Consider your vehicle: The type of car you drive can affect your insurance rates. Generally, smaller, less expensive cars will have lower rates than larger, more expensive cars.
- Work with an independent insurance broker: An independent insurance broker can help you compare rates and coverage options from multiple insurers and find the best policy for your specific needs and budget.
Airdrie Car Insurance Facts
Here are some car insurance facts specific to Airdrie:
- Airdrie has a population of around 70,000 people and is located in the Calgary metropolitan area.
- Airdrie is growing rapidly, with a population increase of 47.1% between 2011 and 2019, which can lead to increased traffic on the roads.
- Alberta operates under a no-fault insurance system, which means that all drivers are required to carry a minimum amount of insurance coverage to protect themselves in the event of an accident, regardless of who is at fault.
- In Airdrie, as in the rest of Alberta, drivers are required to carry a minimum of $200,000 in third-party liability insurance, which covers damages or injuries that you may cause to another person while driving.
- Airdrie has a number of pedestrian-friendly areas, including the downtown core and some residential neighborhoods. Be sure to yield to pedestrians in crosswalks and follow posted speed limits.
- Factors that can affect insurance rates in Airdrie include your driving record, age, type of vehicle, and the amount of coverage you choose.
- Airdrie experiences cold, snowy winters, which can increase the risk of accidents on the road. Be sure to prepare your vehicle for winter driving by equipping it with winter tires and driving more slowly and cautiously on icy or snowy roads.
List of Best Car Insurance Companies in Airdrie
Here are some of the best car insurance companies in Airdrie, along with brief descriptions and ratings based on customer reviews:
- Wawanesa Insurance
- Description: Wawanesa Insurance is a Canadian-owned insurance company that offers auto insurance coverage in Alberta and across Canada.
- Customer reviews: 4.1 out of 5 stars on Google Reviews
- Comments: Customers praise Wawanesa’s affordable rates, helpful customer service, and easy-to-use online tools.
- TD Insurance
- Description: TD Insurance is a subsidiary of TD Bank and offers a range of insurance products, including auto insurance.
- Customer reviews: 3.2 out of 5 stars on Google Reviews
- Comments: Customers praise TD Insurance’s competitive rates and flexible payment options, but some report issues with customer service and claims processing.
- Intact Insurance
- Description: Intact Insurance is a Canadian insurance provider that offers auto insurance coverage in Alberta and across Canada.
- Customer reviews: 3.1 out of 5 stars on Google Reviews
- Comments: Customers praise Intact Insurance’s affordable rates and customizable coverage options, but some report issues with claims processing and customer service.
- Co-operators Insurance
- Description: Co-operators Insurance is a Canadian-owned insurance company that offers a range of insurance products, including auto insurance.
- Customer reviews: 4.6 out of 5 stars on Google Reviews
- Comments: Customers praise Co-operators Insurance’s friendly and helpful customer service, competitive rates, and flexible payment options.
- Sonnet Insurance
- Description: Sonnet Insurance is an online insurance provider that offers auto insurance coverage in Alberta and across Canada.
- Customer reviews: 3.3 out of 5 stars on Google Reviews
- Comments: Customers praise Sonnet Insurance’s user-friendly online platform and affordable rates, but some report issues with customer service and claims processing.
List of Best Car Insurance Brokers in Airdrie
Here are some independent car insurance brokers in Airdrie, along with descriptions and ratings based on customer reviews:
- Bow Valley Insurance of Airdrie
- Description: Bow Valley Insurance of Airdrie is an independent insurance broker that offers a range of insurance products, including auto insurance, from multiple providers.
- Customer reviews: 5 out of 5 stars on Google Reviews
- Comments: Customers praise Bow Valley Insurance of Airdrie’s knowledgeable and friendly staff, helpful service, and competitive rates.
- HDF Insurance
- Description: HDF Insurance is an independent insurance broker that offers a range of insurance products, including auto insurance, from multiple providers.
- Customer reviews: 4.7 out of 5 stars on Google Reviews
- Comments: Customers praise HDF Insurance’s helpful and knowledgeable staff, competitive rates, and efficient service.
- Trigon Insurance Brokers
- Description: Trigon Insurance Brokers is an independent insurance broker that offers a range of insurance products, including auto insurance, from multiple providers.
- Customer reviews: 4.3 out of 5 stars on Google Reviews
- Comments: Customers praise Trigon Insurance Brokers’ helpful and friendly staff, competitive rates, and efficient service.
- Prime Insurance Centre Ltd.
- Description: Prime Insurance Centre Ltd. is an independent insurance broker that offers a range of insurance products, including auto insurance, from multiple providers.
- Customer reviews: 5 out of 5 stars on Google Reviews
- Comments: Customers praise Prime Insurance Centre Ltd.’s friendly and knowledgeable staff, competitive rates, and efficient service.
Tips for Drivers in Airdrie
Here are some tips for drivers in Airdrie to help stay safe and avoid accidents on the road:
- Be aware of weather conditions: Airdrie experiences cold, snowy winters, so it’s important to prepare your vehicle for winter driving by equipping it with winter tires and driving more slowly and cautiously on icy or snowy roads.
- Follow speed limits: Speed limits are in place to keep drivers, pedestrians, and cyclists safe on the roads. Be sure to follow posted speed limits and adjust your speed for road conditions.
- Yield to pedestrians: Airdrie has a number of pedestrian-friendly areas, including the downtown core and some residential neighborhoods. Be sure to yield to pedestrians in crosswalks and be especially cautious around schools and playgrounds.
- Practice defensive driving: Defensive driving means being aware of your surroundings and being prepared to react to potential hazards on the road. Be sure to stay focused, avoid distractions like cell phones, and maintain a safe following distance.
- Stay up to date on traffic laws: Traffic laws can change over time, so it’s important to stay up to date on the latest regulations and guidelines. This can include laws related to distracted driving, impaired driving, and seat belt use.
- Keep your vehicle maintained: Regular vehicle maintenance, such as oil changes and brake inspections, can help keep your car running smoothly and reduce the risk of accidents on the road.
- Use your signals: Signaling your intentions, such as turning or changing lanes, is an important part of safe driving. Be sure to use your turn signals and check your blind spots before making any maneuvers on the road.
What are the Most Dangerous Intersections in Airdrie?
According to data from the Alberta government, here are some of the most dangerous intersections in Airdrie based on the number of collisions reported:
- Yankee Valley Blvd & East Lake Blvd – 67 collisions reported from 2013-2018
- Main St & Kings Heights Gate – 47 collisions reported from 2013-2018
- Yankee Valley Blvd & 8th St SW – 44 collisions reported from 2013-2018
- Yankee Valley Blvd & 24th St SE – 43 collisions reported from 2013-2018
- Yankee Valley Blvd & 8th St SW/Stonegate Dr – 39 collisions reported from 2013-2018
Total Reportable Collisions in Airdrie
According to data from the Alberta government, the total number of reportable collisions in Airdrie from 2013-2020 are as follows:
- 2013: 753
- 2014: 836
- 2015: 871
- 2016: 893
- 2017: 890
- 2018: 855
- 2019: 859
- 2020: 616
About the Author: Valerie D. Hahn
Valerie is an insurance editor, journalist, and business professional at RateLab. She has more than 15 years of experience in personal financial products. She strives to educate readers and ensure that they are properly protected.
