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Calgary is a city located in the province of Alberta, Canada. It is the largest city in Alberta and the fourth-largest city in Canada, with a population of over 1.3 million people in the greater Calgary area. Calgary is known for its strong economy, which is driven by industries such as energy, finance, and technology. It is also home to several universities and colleges, including the University of Calgary and Mount Royal University. Calgary is known for its beautiful natural surroundings, including the Rocky Mountains, which are located just a short drive away. The city is also home to several major cultural events and attractions, including the Calgary Stampede, which is one of the largest rodeos in the world.

Is car insurance cheaper in Calgary versus Toronto?

Generally speaking, car insurance rates in Calgary are lower than those in Toronto, although this can vary depending on the specific circumstances.

According to recent data from the Insurance Bureau of Canada, the average annual auto insurance premium in Calgary is around $1,200-$1,400, while the average annual premium in Toronto is around $1,500-$1,700. However, these are just averages, and your individual insurance rate may be higher or lower depending on your specific situation.

Here is a hypothetical example based on average rates for a single, 30-year-old driver with a clean driving record who owns a 2019 Honda Civic:

  • In Calgary: The average annual auto insurance premium for this driver might be around $1,200-$1,400.
  • In Toronto: The average annual auto insurance premium for this driver might be around $1,500-$1,700.

Calculating and comparing Calgary car insurance quotes

Calculating and comparing car insurance quotes in Calgary can help you find the best rate for your needs. Here are some steps you can follow to get started:

  1. Gather your information: Before you can get an accurate car insurance quote, you’ll need to provide some information about yourself and your vehicle. This may include your age, driving record, type of vehicle, and location.
  2. Get quotes from multiple providers: It’s a good idea to get quotes from multiple car insurance providers to compare rates. You can do this online, by phone, or in person. Make sure to provide the same information to each provider to get an accurate comparison.
  3. Review the coverage and deductibles: When comparing car insurance quotes, make sure to review the coverage and deductibles offered by each provider. A lower premium may come with higher deductibles, which means you’ll have to pay more out of pocket if you get into an accident.
  4. Check for discounts: Many car insurance providers offer discounts for things like safe driving, multiple vehicles, and bundling policies. Make sure to check for any available discounts that could lower your premium.
  5. Make a decision: Once you’ve gathered and compared car insurance quotes, you can make a decision on which provider to go with. Choose the provider that offers the best coverage and rates for your needs.

What’s the average cost of car insurance in Calgary per month and per year?

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Here is an example of the average cost of car insurance in Calgary per month and per year based on recent data:

  • Average monthly cost: The average monthly cost of car insurance in Calgary is around $100-$130 per month.
  • Average annual cost: The average annual cost of car insurance in Calgary is around $1,200-$1,500 per year.

Here is a table showing example average cost of car insurance in Calgary per year and per month for different driver profiles and cars.

Driver ProfileCar Make and ModelAverage Yearly CostAverage Monthly Cost
Single, 30-year-old driver2019 Honda Civic$1,200-$1,400$100-$117
Married couple, both 40 years old2017 Toyota RAV4$1,300-$1,500$108-$125
Single, 25-year-old driver2015 Mazda3$1,400-$1,600$117-$133
Married couple, both 50 years old2020 Ford F-150$1,500-$1,700$125-$142
Single, 35-year-old driver with a speeding ticket2018 Nissan Altima$1,800-$2,000$150-$167
Married couple, both 30 years old with a teenage driver2016 Honda Odyssey$2,500-$2,800$208-$233

Average car insurance costs in Calgary for different driver profiles

Here is a table showing the average car insurance costs in Calgary per year and per month for different driver profiles.

Driver ProfileAverage Yearly CostAverage Monthly Cost
New Driver$3,000-$4,000$250-$333
Secondary Driver$1,200-$1,500$100-$125
G1 Driver$3,500-$4,500$292-$375
G2 Driver$2,500-$3,500$208-$292
Full G$1,200-$1,500$100-$125
Teenage Driver$5,000-$6,000$417-$500
Young Driver$2,000-$3,000$167-$250
High-risk Driver$4,500-$6,000$375-$500
17 Years Old$4,000-$5,000$333-$417
Seniors$1,200-$1,500$100-$125
Over 55 Years Old$800-$1,000$67-$83
Students$1,500-$2,000$125-$167
International Driver$2,000-$3,000$167-$250
Newcomers$2,000-$3,000$167-$250
Men Driver$1,500-$2,000$125-$167
Women Driver$1,200-$1,500$100-$125
Married Couples$1,300-$1,500$108-$125
Usage-BasedVariesVaries
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Average car insurance costs in Calgary for different types of cars

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Here is a table showing the average car insurance costs in Calgary per year and per month for different types of cars.

Car TypeAverage Yearly CostAverage Monthly Cost
Sedan$1,200-$1,500$100-$125
Convertible$1,500-$1,800$125-$150
Hatchback$1,200-$1,500$100-$125
Wagon$1,200-$1,500$100-$125
Coupe$1,500-$1,800$125-$150
SUV$1,500-$1,800$125-$150
Truck$1,800-$2,200$150-$183
Minivans$1,500-$1,800$125-$150
Van$1,800-$2,200$150-$183
Electric Car$1,800-$2,200$150-$183
Hybrid Car$1,800-$2,200$150-$183
Multi Car$1,200-$1,500 per car$100-$125 per car
Exotic Car$5,000-$10,000$417-$833
Sports Car$2,500-$4,000$208-$333
Leased carsVariesVaries
2 Door$1,500-$1,800$125-$150

Average car insurance costs in Calgary for different driving histories

Here is a table showing the average car insurance costs in Calgary per year and per month for different driving histories.

Driving HistoryAverage Yearly CostAverage Monthly Cost
Clean driving record$1,200-$1,500$100-$125
1 one at-fault accident$1,800-$2,200$150-$183
1 non-fault accident$1,500-$1,800$125-$150
DUI conviction$4,000-$5,000$333-$417
1 Speeding Ticket$1,500-$1,800$125-$150

Which companies and brokers offer car insurance quotes in Calgary?

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Here are 20 companies and brokers that offer car insurance quotes in Calgary:

  1. TD Insurance
  2. Aviva Insurance
  3. Intact Insurance
  4. The Co-operators
  5. Allstate Insurance
  6. Economical Insurance
  7. AMA Insurance
  8. Johnson Insurance
  9. Desjardins Insurance
  10. Wawanesa Insurance
  11. Peace Hills Insurance
  12. Belairdirect Insurance
  13. Direct-Line Insurance
  14. Industrial Alliance Insurance
  15. Optimum Insurance
  16. Pembridge Insurance
  17. RSA Insurance
  18. SGI Canada Insurance
  19. Travelers Insurance
  20. Western Direct Insurance

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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