Car Insurance in Alberta
On top of being a legal requirement, getting the right car insurance protects you and your car in case of any emergencies. So, with car insurance through Johnson, we’ll be by your side from prairies to mountain peaks.
It all starts with you
These are the standard car insurance coverages required by law in Alberta:
We’ll protect you if you’re involved in an accident where you’re deemed liable. This includes coverage for damages made to
another person or vehicle.
You’ll receive benefits if you’re injured in an accident, no matter who caused it. This includes coverage for income replacement, medical
expenses, benefits for non-earners, and more.
Loss of Use
If your vehicle is getting repaired due to damage covered under your policy, we’ll get you a replacement or reimburse you for reasonable transportation costs.
This covers damage to vehicles you drive, but don’t own—like a rental car. In some cases, you’ll also get access to other standard coverages.
A new car's value depreciates quickly. This cover adds value back to your vehicle in the event of a claim.*
Popped tire? Locked out? Need a tow? Give us a call and we’ll get you help.
How to save
There are many ways to save on auto insurance in Alberta. No coupons needed.
Extra safety means an extra discount
Getting your vehicle winter-ready could help you save on insurance in Alberta.
Rewarding safe drivers
You could get a discount if you haven't had any traffic violations within the last 3 years.
Get rewarded for being a Johnson customer
We offer special loyalty discounts if you’ve been with us for 3 years or more.
Group members can save even more
If you belong to an eligible group, it could offer group rates. These groups may include employees of the same company, members of a union, or members of other profit and non-profit associations.
Combine and save
Insure both your car and home through Johnson for additional discounts.**
The more you insure, the more you save
Insure more than one vehicle for extra savings.
Have you been insured continuously?
If you’re new to Johnson, you could get a discount for having been continuously insured with the same insurer for the past 3 years or more.
We’ll find ways to lower your premium
If your child is studying away from home without regular access to your vehicle, list them as an occasional driver on your policy. They’ll still be insured, but you could save on your rates since they drive less.
Enjoy more without paying more
Get these benefits with your car insurance, regardless of the coverages you choose.
Whenever you need us, we’ll be here to help. All day, every day.
First Accident Forgiveness
There’s a first time for everything, even accidents. So, when your first accident happens , your premium won’t increase as a result.
You’ll earn 1 AIR MILES® reward mile for every $20 in premium paid, including taxes.±
What affects your rates in Alberta
Here’s the insider knowledge on what we look for when determining your premiums.
We look at your car’s make, model, cost of parts, and claims history to see how likely it is to be involved in an accident or stolen.
Where you live
With more people and vehicles on the road, living in a larger urban area could increase the likelihood of an accident.
How much you drive
Do you commute or drive to different locations for work? Or just now and then for convenience? How often you’re behind the wheel could affect your rates.
Your experience on the road and any previous driving accidents or convictions could affect your rates.
Any optional coverages you select will affect your rates. We’re happy to work with you to find the coverages that suit your needs best.
The higher the deductibles you choose, the lower your insurance rates are. However, higher deductibles mean you pay more upfront if an accident happens, so it’s important to find the balance that’s right for you.
The changing world of insurance
Beyond your circumstances, there are external factors that affect insurance rates for all Canadians; like the rising number of claims. In general, claims are becoming more frequent and more expensive due to:
- The rise of extreme weather events and weather-related accidents.
- Lower interest rates making cars more affordable—more cars on the road can lead to more collisions
- Increased instances of distracted driving, which can also cause collisions
- Vehicle technology advances increasing the cost of repair and part replacement
Learn more about what affects your car insurance rates on The BlogHouse.
More than just insurance
We know that our coverage is just the beginning. We'll help answer your questions and give you the tips and tricks you need before getting in the driver's seat.
Tips for driving in Alberta
Alberta’s unique geography makes it an amazing road trip destination, whether you’re planning a staycation in the province or visiting from farther away. Here are some things you should know when travelling from point A to B in AB:
- The weather can change unexpectedly in the mountains, so be ready for anything and pack accordingly! Snow in the summer is not unheard of and having your winter tires installed as early as October is a good idea.
- Make sure you keep an eye on your gas tank. You don’t want to be caught off guard, especially as you head into the Canadian Rockies.
- Alberta is known for its wildlife, and it’s very important to keep a careful eye out for animals while driving, especially at night.
- Be aware of controlled avalanches. These are occasionally set off in the Rockies to help reduce the impact of natural ones.
- Ensure you have your insurance documentation on hand, whether it’s the policy for your own vehicle or a car rental contract.
Have questions? We’re here to answer them
Before getting behind someone else’s wheel, you need to know that your insurance does not necessarily follow you as a driver.
When driving someone else’s car, you would be covered under their insurance policy while driving their vehicle, as long as you:
- Have a valid Canadian driver’s license. Not from Canada? Travellers from outside Canada can check with the regulatory body of the province they will be driving in.
- Are using the vehicle with the owner’s permission.
- Haven’t committed a crime under Canada’s Criminal Code while operating your car.
- Don’t use the vehicle for one of the uses not allowed in the vehicle owner’s policy (for example, no racing)
- Are not specifically excluded from driving their vehicle.
If you have an accident while driving someone else’s car, you will need to present proof of insurance. You should make sure that you have this before borrowing the vehicle.
If the car's owner doesn't have insurance, there may still be limited coverage under your own policy to protect you, however, not all of your usual coverages are provided. Also, keep in mind that your coverage won’t apply when driving a car owned by someone else in your household.
This covers the cost of damage to your vehicle by something other than a collision or overturning. Examples are:
- Falling or flying objects
- Broken glass
- Animal impact
It covers you against many types of damage, but there are some exclusions, including:
- Theft by a household member
- Damage caused by a breakdown
This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may require you have it.
If you were at fault in the accident, you will be personally responsible for the damage to your vehicle. This also applies if you are in an accident and don’t know who hit you.
In Alberta, Yukon and Northwest Territories, if another driver was at fault, you can claim payment from that driver. In Ontario, Newfoundland & Labrador, Nova Scotia, New Brunswick and Prince Edward Island you can claim from your own insurer, as long as you weren't at fault.
This is a very personal decision, and you'll want to make this decision on a case-by-case basis.
Here are some factors you may want to consider before making a claim:
- If the cost of the repair or replacement is not much more than your deductible, it may not make sense to make a claim. (The deductible is the amount you must pay before a claim is paid.)
- Will making a claim affect your future premiums? Your driving record is one of the factors that helps determine your premium, so it’s best to factor in the cost or repair/replacement versus the cost of a higher premium.
For auto incidents, you are legally required to report any damage, accident or loss to your insurer.
If you’re unsure, you can always ask one of our friendly and professional Service Specialists.
On The BlogHouseRead all articles
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Johnson Insurance is a tradename of Johnson Inc. (“Johnson”), a licensed insurance intermediary, and operates as Johnson Insurance Services in BC and Johnson Inc. in MB. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. Home and car policies primarily underwritten, and claims handled, by Royal & Sun Alliance Insurance Company of Canada (“RSA”) in Quebec and primarily underwritten, and claims handled, by Unifund Assurance Company (“Unifund”) in the rest of Canada. Described coverage and benefits applicable only to policies underwritten by Unifund or RSA. Johnson, RSA and Unifund share common ownership. Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.
±AIR MILES® Reward Miles awarded only on regular home and auto insurance policies underwritten by Unifund or RSA (in Quebec). At the time the premium is paid, one (1) Mile is awarded for each $20 in premium (including taxes). Miles are not available in SK or MB. In Quebec, up to a maximum of 15 AIR MILES Reward Miles per month, per policy. ®TMTrademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Johnson (for Unifund), and in Quebec Roins Financial Services Limited. READ MORE
*Waiver of Depreciation is only applicable to select vehicles based on qualifying risks.
**Bundled savings applied to home insurance policies where both home and auto policies are underwritten by Unifund.