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Airdrie Car Insurance

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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$106.58May 21, 2024, 07:11 AMAuto69FemaleL2R6P9
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$24.71May 21, 2024, 12:42 AMTenant25FemaleK8N3P9

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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on May 15, 2024

Visit author page
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated May 15, 2024

Visit author page

3 minute read

Article Contents

Quick Facts About Auto Insurance in Airdrie

  • Airdrie car insurance is MORE expensive than the Alberta average.
  • The average annual car insurance cost in Airdrie for a driver with comprehensive/collision coverage and a clean record is around $1,454.
  • Comparing Airdrie auto insurance quotes with MyChoice can save you up to $1,032 annually

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:

BrokerageAddressPhone number
A-WIN Insurance Ltd2903 Kingsview Blvd SE #203
Airdrie, AB T4A 0C4, Canada
+14039458885
BrokerLink128 Edmonton Trail SE #2
Airdrie, AB T4B 1S2, Canada
+14039487327
Airdrie Family First Insurance132 1 Ave NW Suite 101
Airdrie, AB T4B 3H4, Canada
+14039807456

Most Expensive Postal Codes in Airdrie

The average cost of car insurance in Airdrie, Alberta, is $1,454. T3B is the most expensive postal code for purchasing car insurance in Airdrie, and here’s a price breakdown:

Postal CodeAverage Annual Car Insurance Rate
T4B$1,486

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 CodeAverage Annual Car Insurance Rate
T4A$1,381

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 groupAverage Annual Car Insurance RateAnnual savings with MyChoice
18-20$5,191$1,032
21-24$2,966$590
25-34$1,977$393
35-44$1,454$289
45-54$1,192$237
55-64$1,013$202
65+$1,155$230

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 violationAverage Annual Car Insurance Rate
Clean driving record$1,454
Insurance cancellation due to non-payment$2,385
Licence suspension for alcohol-related offences$1,745
One accident$3,199
Speeding ticket$1,890

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 commutingCountsRates
Total – 25% Sample Size28,990100.0
Car, truck or van26,64591.9%
Car, truck or van – as a driver25,29087.2%
Car, truck or van – as a passenger1,3604.7%
Public transit3901.3%
Walked8102.8%
Bicycle1250.4%
Other method1,0153.5%

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 durationCountsRates
Total – 25% Sample Size28,990100.0
Less than 15 minutes8,46029.2%
15 to 29 minutes8,78030.3%
30 to 44 minutes8,17528.2%
45 to 59 minutes2,1607.5%
60 minutes and over1,4154.9%

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 $1,454 a year or $121 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 $1,512 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.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Alberta, Aldrie, Car Insurance Quotes Collected, 2024.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Alberta, Aldrie, Car Insurance Quotes Collected, 2024.

3. Mychoice.ca Internal Data, Rate Cost By Age, Alberta, Aldrie, Car Insurance Quotes Collected, 2024.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Alberta, Aldrie, Car Insurance Quotes Collected, 2024.

5. City of Airdrie Website, Driving & Transit Information. Data Collected, 2024.

6. Statistics Canada, 2021, Census of Population, Alberta, Airdrie, Main Mode of Commuting. Data Published March 29, 2023.

7. Statistics Canada, 2021, Census of Population, Alberta, Airdrie, Commuting Duration. Data Published March 29, 2023.

8. Weather Network Canada, Historical Averages, Alberta, Airdrie.

9. Transportation Alberta Mapping, Alberta, Airdrie.

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