Quote data from MyChoice.ca, November 2025
How Does Car Insurance Work in Airdrie?
Car insurance is mandatory in Alberta, and if you live in Airdrie, it’s important to understand how your premium is calculated and what types of coverage make up a standard policy.
Below is a breakdown of what’s typically included when you get a car insurance quote in Airdrie through MyChoice, divided into mandatory and highly recommended coverages. Together, these form the full picture of what drivers in Airdrie pay on average for insurance.
| Coverage Type | What’s Included | Average Annual Car Insurance Premium |
|---|---|---|
| Mandatory | – Third-Party Liability (minimum $204,523) – Accident Benefits – Direct Compensation: Property Damage (DCPD) | $1,243 |
| Highly Recommended | – Collision – Comprehensive – Uninsured Automobile – SEF 20 (Loss of Use) – SEF 27 (Legal Liability for Non-Owned Vehicles) – SEF 44 (Family Protection) – SEF 39 (Accident Forgiveness) – SEF 43R (Limited Waiver of Depreciation) | $1,355 |
| Coverage Total: | $2,598 |
Quote data from MyChoice.ca, November 2025
Mandatory Coverages:
These coverages are required by Alberta law and will always appear in your quote.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Third-Party Liability | Protects you if you injure someone or damage their property while driving. Also covers legal expenses if you’re sued. | $696 |
| Accident Benefits | Covers medical costs, rehabilitation, and income replacement for you and your passengers, regardless of who caused the accident. | $191 |
| – Direct Compensation: Property Damage (DCPD) | Covers damage to your vehicle and its contents when you’re not at fault in a collision with another insured Alberta driver. | $356 |
| Coverage Total: | $1,243 |
Quote data from MyChoice.ca, November 2025
Highly Recommended Coverages:
These coverages are optional, but most Alberta drivers add them for better financial protection.
| Coverage Type | Coverage Details | Average Annual Car Insurance Premium |
|---|---|---|
| Collision | Pays for repairs if your vehicle collides with another car, object, or rolls over — even when you’re at fault. | $521 |
| Comprehensive | Covers non-collision damage such as theft, fire, hail, windstorms, vandalism, or fallen objects. | $683 |
| Uninsured Automobile | Protects you if you’re hit by an uninsured or hit-and-run driver. Covers injuries, death benefits, and damage when the at-fault driver has no valid insurance. | $20 |
| SEF 20: Loss of Use | Covers transportation costs (rental car, rideshare, transit) while your vehicle is being repaired after a covered loss. | $33 |
| SEF 27: Legal Liability for Non-Owned Automobile | Extends your coverage to rental or borrowed vehicles, protecting you if they’re damaged while under your care. | $39 |
| SEF 44: Family Protection | Protects you and your family if you’re hit by an underinsured, uninsured, or hit-and-run driver — up to your own liability limits. | $24 |
| SEF 39: Accident Forgiveness | Prevents your rates from increasing after your first at fault accident (as long as you stay with the same insurer). | $33 |
| SEF 43R: Limited Waiver of Depreciation | Ensures you get the original purchase price of your new vehicle if it’s written off within the policy-specified period. | $3 |
| Coverage Total: | $1,355 |
Quote data from MyChoice.ca, November 2025
Most Expensive Postal Codes in Airdrie
The average cost of car insurance in Airdrie, Alberta, is $1,487. T3B is the most expensive postal code for purchasing car insurance in Airdrie, and here’s a price breakdown:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| T4B | $2,646 |
Quote data from MyChoice.ca, November 2025
Least Expensive Postal Codes in Airdrie
By comparison, T4A is the least expensive postal code for car insurance in Airdrie, and here’s a price breakdown:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| T4A | $2,569 |
Quote data from MyChoice.ca, November 2025
How Airdrie Car Insurance Rates Compare to Nearby Cities
Airdrie’s car insurance rates sit on the higher end for southern Alberta. Here’s how they compare to nearby cities along the QEII corridor and the mountain region.
| City | Average Annual Car Insurance Premium |
|---|---|
| Calgary, AB | $2,640 |
| Airdrie, AB | $2,598 |
| Red Deer, AB | $2,335 |
| Edmonton, AB | $2,400 |
| St. Albert, AB | $2,260 |
| Canmore, AB | $2,296 |
| Banff, AB | $2,099 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in Airdrie by Age
Younger drivers statistically experience the most accidents, so student drivers can expect to pay high insurance premiums. Fortunately, there are ways for younger drivers to lower their rates, including taking defensive driving courses, looking up student discounts, or applying as a secondary driver on a parent’s existing policy.
While car insurance rates drop by 25, they tend to rise again for senior drivers, who are more likely to sustain severe injuries during an accident.
Below is a closer look at how your age might affect your insurance premiums in Airdrie:
| Age Group | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18–20 | $7,354 | $1,462 |
| 21–24 | $3,767 | $750 |
| 25–34 | $3,015 | $599 |
| 35–44 | $2,598 | $516 |
| 45–54 | $2,105 | $418 |
| 55–64 | $2,027 | $403 |
| 65+ | $2,157 | $428 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in Airdrie by Driving History
Like age, driving history can significantly influence car insurance rates. While it isn’t impossible to get reasonable rates with a bad driving history, expect them to be considerably higher.
In Airdrie, traffic tickets stay on your record for two years, after which the demerit points will no longer exist. That said, some insurers may look as far back as 10 years to determine your rates.
Various driving violations may affect your rates differently. Take a closer look below:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $2,598 |
| Insurance cancellation (CNP) | $3,716 |
| DUI / licence suspension | $3,092 |
| One at-fault accident | $4,781 |
| Speeding ticket | $3,248 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in Airdrie by Vehicle Model
Below is a breakdown of estimated insurance costs for popular car models in Airdrie. This gives you an idea of how different vehicles compare in terms of annual premiums.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Volvo | $2,601 |
| Chevrolet | $2,443 |
| Hyundai | $2,621 |
| Alfa Romeo | $3,063 |
| Audi | $3,230 |
| BMW | $3,025 |
| GMC | $2,336 |
| Infiniti | $2,538 |
| Mazda | $2,423 |
| Subaru | $2,255 |
Quote data from MyChoice.ca, November 2025
The Best Car Insurance Brokerages in Airdrie
If you don’t have the time to compare car insurance quotes, a brokerage can do it for you, below are some of the top brokerages in Airdrie:
| Brokerage | Address | Phone number |
|---|---|---|
| A-WIN Insurance Ltd | 2903 Kingsview Blvd SE #203 Airdrie, AB T4A 0C4, Canada | +14039458885 |
| BrokerLink | 128 Edmonton Trail SE #2 Airdrie, AB T4B 1S2, Canada | +14039487327 |
| Airdrie Family First Insurance | 132 1 Ave NW Suite 101 Airdrie, AB T4B 3H4, Canada | +14039807456 |
Driving in Airdrie
While primarily a commuter town, Airdrie sees roughly 50,000 drivers pass through each day. In addition, Airdrie gets moderate to heavy traffic, being only 15 minutes from Calgary International Airport.
Here are a few key facts to keep in mind when driving in Airdrie:
- Major highways: Queen Elizabeth Highway II, Highway 567, Highway 2
- Public transit options: Airdrie Transit (bus)
- Ridesharing services: Uber, Lyft, Ola, Didi
- Parking space providers: City of Airdrie, JustPark, private lots
- Top tourist attractions: Iron Horse Park, Fitzsimmons Brewing Company, Nose Creek Valley Museum, Muk-Luk Magpies Stained Glass Emporium
- Busy intersections: CANAMEX Highway, Bill Hill Springs Road (Highway 567)
- Airports: Calgary International Airport
Main Mode of Commuting in Airdrie
Cars, trucks, and vans are by far the most popular commuting method in Airdrie. Interestingly, the second-most popular method of commuting for Airdrie residents are other methods, beating out walking, cycling, and public transit. Here’s a closer look at how Airdrie residents commute:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 28,990 | 100.0 |
| Car, truck or van | 26,645 | 91.9% |
| Car, truck or van – as a driver | 25,290 | 87.2% |
| Car, truck or van – as a passenger | 1,360 | 4.7% |
| Public transit | 390 | 1.3% |
| Walked | 810 | 2.8% |
| Bicycle | 125 | 0.4% |
| Other method | 1,015 | 3.5% |
Commuting Duration in Airdrie
Airdrie commuters have vastly varying commute times. Most of the city’s commuters travel up to 44 minutes to get to work, but some outliers can take more than 45 minutes. Here’s more detailed information about commuting times in Airdrie:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 28,990 | 100.0 |
| Less than 15 minutes | 8,460 | 29.2% |
| 15 to 29 minutes | 8,780 | 30.3% |
| 30 to 44 minutes | 8,175 | 28.2% |
| 45 to 59 minutes | 2,160 | 7.5% |
| 60 minutes and over | 1,415 | 4.9% |
Driving Conditions in Airdrie
While summers in Airdrie make for comfortable driving, winters can get snowy and cloudy, posing a challenge for drivers who aren’t used to this weather. Many experienced drivers purchase winter tires to withstand challenging conditions.
Depending on when you visit Airdrie, take note of these driving conditions:
- Average daily commute time: 45 – 60 minutes round trip
- Average annual rainfall: 14.64 mm
- Average annual snowfall: 780 mm
- Rainy days per year: 32 days
- Rainiest month in Airdrie: June
- Driest months in Airdrie: January
- Snow days per year: 31 days (sliding)
- Snowfall months in Airdrie: October – May
Traffic in Airdrie
Airdrie gets moderate to heavy traffic, especially on Yankee Valley Boulevard and Queen Elizabeth Highway II. Remember these traffic facts to better anticipate the conditions in Airdrie:
- Population: The population in Airdrie is 68,091.
- City area: The Airdrie city limits span 84.57 km2.
- Busiest highways: The busiest highways in Airdrie are Queen Elizabeth Highway II, Yankee Valley Boulevard, and Highway 567.
The Most Common Questions About Car Insurance in Airdrie
How much does Airdrie car insurance cost?
Airdrie car insurance costs an average of $2,541 a year or $211 per month.
Is car insurance cheaper in Airdrie than in Calgary?
No, car insurance is not cheaper in Airdrie than in Calgary, where the average rate is roughly $2,582 per year.
What is the grid rating system in Airdrie all about?
The grid rating system in Airdrie determines how much third-party liability coverage you should get depending on where you live. Drivers get grid level designations based on several factors, including existing claims and years of driving experience.
How can you get cheaper car insurance in Airdrie?
Compare car insurance rates in Airdrie with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.