Your roadmap to car insurance that's right for you

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

Where you live helps determine the insurance you need.

These are the standard car insurance coverages required by law in Alberta:

  • Liability

    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.

  • Accident Benefits

    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.

Insurance that goes the extra kilometre

Choose physical damage coverage.

Comprehensive Coverage

This covers against fire, theft, vandalism, falling objects, windshield damage and other types of damage, not related to a collision.

Collision Coverage

This pays for damage caused by collision with another vehicle or object, or if your car rolls over.

All Perils Coverage

This covers your vehicle by combining Comprehensive and Collision coverages—and best yet, you’ll only pay one deductible.

Go the distance with these add-ons

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.

Rental Vehicle

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.

Depreciation Waiver

A new car's value depreciates quickly. This cover adds value back to your vehicle in the event of a claim.*

Roadside Assistance

Popped tire? Locked out? Need a tow? Give us a call and we’ll get you help.

Enjoy more without paying more

Get these benefits with your car insurance, regardless of the coverages you choose.

24/7 Claims

Whenever you need us, we’ll be here to help. All day, every day.

First Accident Forgiveness

Available to eligible drivers because there’s a first time for everything, even accidents. With first accident forgiveness, your driving record at Johnson won’t change as a result.

What affects your rates in Alberta

Here’s the insider knowledge on what we look for when determining your premiums.

Your vehicle

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.

Optional coverage

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.

Your deductible

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.

Ready to get a car insurance quote in Alberta?

We’ll make it easy. Get your online car insurance quote in just a few minutes.


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.

Safe travels!

Have questions? We’re here to answer them

Am I covered when I drive someone else’s car?

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.

What does Comprehensive coverage provide me?

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
  • Vandalism
  • 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
  • Corrosion

This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may require you have it.

What if I don't have collision coverage?

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.

Should I make a claim?

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.

Need more information about COVID-19 and your insurance?

We want you to know that we’re still here to support you!

Read more about our COVID-19 relief efforts and get answers to your most common questions through our COVID-19 page.

On The BlogHouse

Articles and resources to help you save money and live better

Read all articles

All you need to know about renting a car in Canada and abroad.

4 min READ ON travel

We’ve made car maintenance simple with these handy tips.

3 min READ ON car

The wheels don’t stop turning in winter; make sure you’re prepared to hit the road with our handy tips.

3 min READ ON car

Johnson Insurance is a trade name of Johnson Inc. (“JI”), a licensed insurance intermediary, and operates as Johnson Insurance Services in British Columbia and as Johnson Inc. in Manitoba. Outside of Quebec, home and car policies underwritten, and claims handled by Unifund Assurance Company (“UAC”). Described offers are applicable only to policies underwritten by UAC. Car insurance not available in BC, SK or MB. Home and car insurance not available in NU. JI and UAC share common ownership. Eligibility requirements, limitations, exclusions or additional costs may apply, and/or may vary by province or territory.

Visit Johnson Insurance - Quebec for plans available in QC.

*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.