Protect your vehicle with Alberta car insurance

Buy car insurance online in 5 minutes.

Do you spend your weekdays navigating rush hour traffic in Edmonton? Driving often from Airdrie to Calgary to visit friends and family? Love cruising the mountain roads to enjoy the beauty of Jasper and Banff? No matter where you’re living and driving in Alberta, you need auto insurance to protect you and your car. That’s where Sonnet has you covered. Get customized coverage, in language you can understand, at a competitive price – and do it all online. We’ve changed car insurance for the better, so your drive is worry-free.

In Alberta, insurance is regulated by the provincial government. Whether you lease, finance or own your car, you need certain basic coverages to be able to legally drive. There are also additional coverages available to increase protection for yourself and your vehicle. Here’s a breakdown of what standard car insurance covers in Alberta. You should always review your auto policy so you know exactly what you’re covered for – and what you’re not.

Mandatory auto insurance coverage
Liability

You must have liability coverage in order to drive. It protects you and other drivers financially in case of an accident where you’re at fault. Liability covers any damages, injuries or losses experienced by another driver or individual.

Accident Benefits

If you sustain any injuries or damages from an accident, the standard benefits will cover your costs for medical, rehabilitation, and income replacement – whether you’re at fault or not.

Collision

If you hit another vehicle or object (like a street sign or fire hydrant) or roll your vehicle, this will cover you for the cost to repair or replace your vehicle. Collision coverage is usually mandatory if you’re leasing or financing your vehicle.

Comprehensive

It’s not just when you’re driving that your vehicle could be damaged. This has your vehicle covered for damage from things like falling objects, hail, vandalism, fire, theft, lightning, windstorm and earthquake. Comprehensive coverage is usually mandatory if you’re leasing or financing your vehicle.

Optional auto insurance coverage
Accident Forgiveness

Clean record for the last 6 years? We won’t increase your rate due to your first at-fault accident and we automatically apply this protection again if after another 6 years you’ve got a clean record.

Rental Extension Bundle
  • Rental Costs. We’ll take care of your rental car after an at-fault collision or during a comprehensive claim (that’s not theft). Even better – there’s no arbitrary limit, so you’ll get a rental car comparable to your own.
  • Non-Owned Vehicle Coverage. We’ll cover you for the loss or damage to any borrowed or rented vehicle.
Vroom Service Bundle
  • Roadside Assistance. We’ll reimburse you for up to $50 for related emergency expenses.
  • New/Used Vehicle Replacement. We’ll replace your vehicle without any adjustment for depreciation.
  • Hit-and-Run Deductible Waiver. We’ll waive your deductible up to $1,000 in the event of a hit-and-run, as long as it’s reported within a reasonable time (like a day).

The cost of car insurance is unique to each driver’s personal situation. Insurers base their pricing on your driving record and claims history, and how you use your car. They also look at the type of vehicle you drive and what part of the province you live in. Here’s what you could expect to pay on average for auto insurance with Sonnet in Alberta:

Teachers in Calgary will typically pay less for auto insurance than the average household spends monthly on takeout dinners.

A university graduate in Edmonton can expect their car insurance to cost around the same as a monthly house cleaning service.

The average cost of bundling home and auto insurance in Alberta is about as much as your typical monthly online shopping bill.

“It was refreshing to see a visual platform showing me exactly what I was purchasing. It gave me peace of mind and purchasing power.” “I appreciated how quickly I could get a quote online with Sonnet. It was easy to see what coverage I could get and edit my policy instantly.” “I loved the online chat! I received reliable answers instantly, which saved me a lot of time instead of having to call in. Sonnet offered everything that I needed and at a good rate.”

Getting an auto insurance quote with Sonnet is quick and easy – with plenty of help along the way. Read through our current blogs or most frequently asked questions about car insurance to get started.

How will I get my new pink slip?

Once you've purchase your auto policy, we’ll send you an email with a link to activate your Sonnet account. Your pink slip and proof of insurance will be accessible directly through your account for download and can be printed.

Looking for your pink slip in your account? Follow these steps:

  1. Log in to your account and click on your auto policy.
  2. Click Download documents.
  3. Select Download under your Liability Card.

We’ll also send you a hard copy of your pink slip through the mail (which takes about 5 business days).

Haven’t received your pink slip in the mail? First, double check the mailing address listed on your account. You can do this by signing into your account and selecting Settings. If your mailing address is incorrect, contact us.

Heads up! Although digital pink slips are now accepted in some provinces, you’ll still need to carry a physical pink slip for your Sonnet auto policy while driving. We do not offer an electronic pink slip option at this time.

How can I save on my auto insurance?

We give you our best price that’s specifically tailored for you. We’ve come up with a number of ways to help make sure you get the best price on your insurance.

There are a number of ways you could save on your auto insurance:

  • Exclusive Sonnet Savings. Self-service has its benefits! You’ll save just for purchasing your insurance online. How easy is that?
  • Claims Free. If you’re lucky enough to have been claims-free for six years, you could save.
  • Convictions Free. Good driving behaviour deserves to be rewarded!
  • Multi-Vehicle. Insuring more than one vehicle with us? Awesome! You may qualify for a multi-vehicle saving.
  • Multi-Policy (home and auto). You could save when you insure both your home and your vehicle with us.
  • Winter Tires (only in Ontario). They’ll keep you safe and help you save on your auto insurance.

BONUS: Have more than one vehicle insured with Sonnet? No matter which one your drive the most, we’ll automatically assign you as the primary driver to the vehicle that will give you the best price on your insurance.

How do I know how much auto insurance coverage I need?

There are a couple of things you need to consider:

Liability limits. We'll cover you and the people on your policy for valid claims, and the cost of settling those claims, if you're held liable for injuries or damage to someone else's property as a result of an auto accident. Tip: Minimize how much you could be financially liable for in the case of a major accident by increasing this limit.

In Quebec, we cover the damages to your vehicle as well as those to someone else’s property. However, injuries are covered under the Quebec public insurance plan, SAAQ.

Extra coverages. If your vehicle would cost more than the deductible amount to repair it, you might consider adding Collision: Your Fault and/or Comprehensive coverage. (In Quebec, Collision coverage is called “Collision and Upset”, and Comprehensive is known as “All Perils Other than Collision and Upset”.) If your vehicle is involved in a collision with another object or tips over, Collision coverage will help cover the damage. Comprehensive covers your vehicle against loss or damage other than what's covered by Collision. This includes falling or flying objects, missiles and vandalism, and all the things listed under Specified Perils.

Is Alberta car insurance mandatory?

Yes. In order to legally drive a car in Alberta, you must have at minimum third-party liability and accident benefits coverage. Collision and comprehensive coverages aren’t required. But, many drivers opt to add them to their policy. Without them, damage to your car won’t be covered and you’ll have to pay out of pocket if something happens. 

If you have any questions about what you might or might not need, check out our FAQ page or reach out to one of our Customer Service Heroes via chat or email. They’re always happy to answer your questions about coverage, pricing and more. Remember, every driver has different needs depending on where they live, how they drive and what car they own. It’s best to find out from an expert what’ll work for you.

How much is car insurance in Alberta for new drivers?

The cost of car insurance for new drivers in Alberta is generally higher than what more experienced drivers pay, no matter who you’re insured with. The best thing you can do as a young or new driver is drive safely. A ticket- and accident-free driving record helps to keep your premium lower, since to insurers, a good record means lower risk.

As a new driver, taking a driver’s ed course could help you save on your insurance. And, as long as you keep a clean driving record while you gain more driving experience, you’ll likely see your premium go down over time. So, keep driving safely!

How do you buy car insurance in Alberta?

The provincial government in Alberta decides which coverages drivers are required to have by law. It’s also in charge of approving rates and pricing for car insurance, which is sold through private insurers. At Sonnet, we provide a customized quote in just 5 minutes – and you can do it all online. All you’ll need is your driver’s license number, vehicle identification number (VIN) and the answers to a few simple questions – we do the rest of the work for you!

Can you switch car insurance companies at any time in Alberta?

Yes, with most insurance companies you usually can. But, timing matters. Depending on where you are in your policy term, you could be charged a cancellation fee. This is also known as a short rate fee. To avoid paying a hefty penalty out of pocket, the best time to switch insurance providers is typically right before or at renewal. But, you might just find that you could save more by switching now, despite a cancellation fee.

Want to know more about switching to Sonnet? Try our cancellation calculator to see how much it could cost - and get a personalized quote in just 5 minutes! 

Heads up! If you do switch insurance companies, always secure coverage for a new policy before cancelling your current policy.

The 5 minutes to get insured is based on the average Sonnet customer experience.

Average monthly premiums for auto insurance in Alberta are based on current Sonnet policies as of October 2020, with assumptions made to determine demographic groups.