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Auto Insurance in Alberta

Affordable Auto Insurance Coverage for Alberta Drivers

Driving up to Banff or commuting to Calgary for work? Get the coverage you need to protect yourself on and off the road and meet Alberta’s auto insurance requirements. Check out what’s required below, or talk to an RBC Insurance advisor about the coverage that’s right for you.

Why Choose RBC Insurance?

Here are just a few of the benefits of insuring your vehicle(s) through us:

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Lifetime Guarantee on Repairs

Available for all insured auto repairs made within our expansive vendor network.

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Quick and Simple Claims Process

Claims advisors will work with you to make the process as convenient as possible.

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Anonymous Claims Advice

Get free, anonymous advice from experts before making a claim.

What Auto Insurance is Mandatory in Alberta?

Here’s what’s required by law in Alberta:

Third-Party Liability Coverage

Protects you financially if you are legally liable for injuring someone or causing damage to another person’s property while driving your vehicle.

Accident Benefits Coverage

Replaces lost income or pays for medical or other expenses and may provide a death benefit to loved ones if a covered accident were to happen. Also helps pay for repairs caused by the driver of an uninsured automobile and provides benefits if you or your family are hurt or killed in an auto accident caused by an uninsured automobile.

Direct Compensation for Property Damage Coverage

Will repair or replace your vehicle (or its contents) if you’re in an accident in Alberta and aren’t at fault.

Tip: In some cases, you may want to buy more than the minimum coverage that’s required.
An RBC Insurance advisor can help you decide what’s right for you.

Auto Coverage to Protect Your Vehicle in Alberta

Unless you want to pay to replace or repair your vehicle out-of-pocket, you may also want some coverage to help protect your vehicle if it’s damaged in an accident.

Collision and Comprehensive Coverage

At minimum, we typically recommend including both of the following coverages in your policy:

Pays for the cost of repairing or replacing your vehicle up to the actual cash value if it collides with another vehicle, the ground, or an object on the ground such as a guard rail.

Pays for the cost of repairing or replacing your vehicle up to the actual cash value if it’s damaged by other unexpected situations—such as falling or flying objects, vandalism, fire, theft or attempted theft, a natural disaster, or a riot or civil disobedience.

Additional Coverage Options

You may want to consider other coverage options, depending on your needs:

All Perils coverage combines Collision and Comprehensive coverage. It also insures your vehicle against loss or damage should it be stolen by someone living in your home or by someone you have hired to drive, service or repair your vehicle.

Insures your vehicle against specific situations only (such as fire, theft or attempted theft, some natural disasters, and riots or civil disturbances).

Ways to Save on Auto Insurance in Alberta

You may be able to reduce your premiums with these savings:

  • Combined Home and Auto Policy Discount: Save up to 10% if you and your spouse or partner have both your home and auto insurance policies through us.
  • Multi-Vehicle discount: Save when you and your spouse or partner insure multiple vehicles on the same policy or on separate policies through us.
  • Hybrid Vehicle Discount: Applies to an electric vehicle or a hybrid vehicle that has both a gasoline engine and an electric motor.
  • Autonomous Emergency Braking Discount: Applies to a vehicle that was equipped by the original manufacturer to monitor the distance of vehicles in front and automatically apply braking.
  • Out-of-Town Student Discount: Applies to occasional drivers who are under the age of 25, insured on a parent’s policy and attending school away from home.

  • Group and Affinity Program Discount: If you're a member of an eligible employee group, affinity group, union or other organization recognized by RBC Insurance, an additional discount may apply.
  • Professional Occupation Discount: If you hold an eligible occupation and have a university degree, you may receive a discount when insuring a vehicle.

Optional Auto Coverages for Even More Protection in Alberta

Here are just a few examples of optional coverages (endorsements) you may be able to add:

Extra Financial Security for Your Family

The Family Protection endorsement helps protect you and your family in case of injury or death caused by a driver with insufficient insurance.

Alternate Transportation

The Loss of Use endorsement helps cover the cost of a rental car or other transportation if your vehicle is being repaired or replaced due to a covered accident.

Protection for Vehicles You Borrow or Rent

Get protection against liability for any physical damage that occurs to an automobile that you rented or borrowed for 30 days or less.

Protection for Your First At-Fault Accident

The Accident Rating Waiver endorsement helps you maintain your driving record after one at-fault accident.

Reduce Your Deductible Over Time

The Disappearing Deductible reduces your policy deductible by 20% each year your vehicle is claims-free.

Get Your Alberta Auto Insurance Quote Today

It only takes a few minutes.

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Save by Bundling Your Home and Auto Insurance

Save up to 15% when you insure your personal vehicle(s) and primary residence through RBC Insurance.

Learn more

Your Top Questions Answered

Find answers to the most common questions asked about auto insurance in Alberta:

Because each person's situation is unique, there isn't a single answer to this question. However, using statistics and complex formulas, insurance companies usually calculate your auto insurance premium by taking into account where you live, the type of vehicle you drive (and how you use it), your driving and claims record, other drivers on your policy, the types and amounts of coverage you want and the deductible you choose.

Vehicles that are less expensive to repair will typically cost less to insure.

Tip: If you're shopping for a new automobile and looking for the best insurance value, an RBC Insurance advisor can give you a no-obligation quote for each of the models you're considering.

Your policy becomes effective after you select your coverage and pay your first premium. Alberta requires the following coverage:

  • Third-Party Liability coverage
  • Accident Benefits coverage

You may also add on other coverages for even more protection.

You may be able to add additional drivers to your policy. Speak with an RBC Insurance advisor who can help you find coverage that’s right for you and any drivers who may be eligible to use your vehicle.

Auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.
The information on this website is intended as a summary only. All terms and conditions are contained in the auto insurance policy.
Service provided by Aviva General Insurance Company. Clients may call 1-888-885-5915 (Mon-Fri, 9am-5pm, ET). Service not available in Quebec. Service not available in Quebec. Quebec residents may call 1-800-769-2526 for questions about their policy and coverages.
All savings opportunities are based on filed discounts and rates in force and vary based on each individual’s insurance profile and are not guaranteed. Savings also vary by the province you live in. Certain conditions, limitations and exclusions may apply. The bundle and save discount also excludes endorsements (any additional, usually optional, enhancements that you add to your policy). For detailed information about how savings could apply to you, speak with a licensed RBC Insurance advisor.
The Loss of Vehicle Use endorsement provides coverage for reasonable rental vehicle costs up to the limit in your policy. Certain conditions apply.
Applies to drivers with a Driver Record 6, 7, 8 or 9 after one chargeable at-fault loss. Subject to underwriting criteria.
Requires mandatory third-party liability and accident benefits coverages plus comprehensive or collision coverage to be in place.
Coverage applies to the vehicle on which it is purchased. To qualify for this coverage, the automobile must meet all eligibility requirements. Please speak to an RBC licensed insurance advisor to see if you qualify.