How Can You Get Cheap Car Insurance in Airdrie?
You can get lower premiums and cheap car insurance in Airdrie by finding the best policy deals and lowering your risk profile. Here are several ways to get cheap Airdrie auto insurance:
Who Provides Car Insurance Quotes in Airdrie?
Insurance agents, brokers, aggregators, and direct writers provide car insurance quotes in Airdrie. What are the differences, and what does each offer? Here’s a closer look at the four insurance provider types:
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 |
How Does Car Insurance Work in Airdrie?
Car insurance in Airdrie works by providing an agreed-upon amount of money when you’re involved in an auto accident. Auto insurance in Canada is mandatory, which means you must have an insurance policy to avoid fines and suspensions.
On top of facing fines and suspensions, you could be flagged as a high-risk driver by insurers if you’re caught driving without insurance. High-risk drivers get higher auto insurance premiums, meaning it’ll be even harder for you to drive legally in Airdrie.
Auto insurance coverage in Airdrie is split into two types:
- Mandatory: You need mandatory coverage to drive legally.
- Optional: Optional coverage provides extra protection in specific situations.
How Your Car Insurance Quotes Are Calculated in Airdrie
Your Airdrie car insurance rates are calculated based on how risky the insurer thinks you are. Generally, you’ll pay higher premiums if the insurer believes you’re more likely to get into an accident.
Here are the key criteria for determining your Airdrie car insurance quotes:
Most Expensive Postal Codes in Airdrie
The average cost of car insurance in Airdrie, Alberta, is $1,783, roughly $570 above the Alberta average of $1,211. 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 | $1,786 |
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 | $1,781 |
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 cost | Annual savings with MyChoice |
|---|---|---|
| 18-20 | $6,365 | $1,266 |
| 21-24 | $3,637 | $723 |
| 25-34 | $2,425 | $482 |
| 35-44 | $1,783 | $355 |
| 45-54 | $1,462 | $291 |
| 55-64 | $1,243 | $247 |
| 65+ | $1,417 | $282 |
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 rate |
|---|---|
| Clean driving record | $1,783 |
| Insurance cancellation due to non-payment | $2,924 |
| Licence suspension for alcohol-related offences | $2,137 |
| One accident | $3,930 |
| Speeding ticket | $2,321 |
Other Factors That Affect Car Insurance Prices in Airdrie
Many factors influence your Airdrie car insurance rates. In addition to the ones we covered previously, here are other criteria that may increase or decrease your premiums:
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
Is ridesharing insurance available in Airdrie?
Yes, ridesharing insurance is available in Airdrie for Uber and Lyft. Most ridesharing drivers apply for insurance through Intact.
How much does Airdrie car insurance cost?
Airdrie car insurance costs an average of $1,783 a year or $149 a month.
Is car insurance cheaper in Airdrie than in Calgary?
No, car insurance is not cheaper in Airdrie than in Calgary. In Calgary, the average cost for car insurance is $2,052, which is over $200 above the average in Airdrie.
Which cars get the lowest car insurance premiums in Airdrie?
The cars that get the lowest car insurance premiums in Airdrie are inexpensive vehicles with small engines and high safety ratings. These include cars like Fiats, Buicks, and Subarus.
Why should you compare car insurance rates in Airdrie?
You should compare car insurance rates in Airdrie because quotes always vary from one company to another. By comparing quotes, you can get the best possible rates on your policy.
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.