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Grande Prairie Car Insurance

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Recent Quotes From Our Users

Monthly PremiumsDate & TimeQuote TypeAgeGenderCity
$92.69Dec 02, 2024, 08:44 AMAuto33FemaleBelleville
$43.43Dec 02, 2024, 03:37 PMHome41MaleOttawa
$25.68Dec 02, 2024, 09:59 AMTenant25MaleBrantford
$32.58Dec 02, 2024, 12:36 PMLife30FemaleHamilton

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

Updated on May 16, 2024

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

Updated May 16, 2024

Visit author page

5 minute read

Article Contents

Quick Facts About Auto Insurance in Grande Prairie

  • Grande Prairie car insurance is MORE expensive than the Alberta average.
  • The average annual car insurance cost in Grande Prairie for a driver with comprehensive/collision coverage and a clean record is around $1,227.
  • Comparing Grande Prairie auto insurance quotes with MyChoice can save you up to $871 annually.

Quote data from MyChoice.ca, November 2024

Most Expensive Postal Codes in Grande Prairie

At an average rate of $1,227 per year, the city of Grande Prairie is on the lower end of the list of the highest auto insurance rates in Alberta.

The Grande Prairie postal code with the highest car insurance premiums is the T8W region, where you can find popular recreational spots like the Grande Prairie Golf and Country Club and the South Bear Creek Baseball Diamond. 

Postal codeAverage Annual Car Insurance Rate
T8W$1,351

Quote data from MyChoice.ca, November 2024

Least Expensive Postal Codes in Grande Prairie

The postal code with the least expensive auto insurance premiums in Grande Prairie is the T8V region, or the downtown area. Here, you’ll find the Grande Prairie Airport and the Prairie Mall Shopping Centre. 

Postal CodeAverage Annual Car Insurance Rate
T8V$1,242

Quote data from MyChoice.ca, November 2024

Car Insurance Cost in Grande Prairie by Age

Age can have a significant impact on the cost of car insurance. 

Young drivers often face increased premiums due to their perceived recklessness and lack of experience. On the other hand, seniors typically pay more because old age is associated with declining vision, hearing, and cognitive abilities, as well as a higher risk of being seriously injured in a crash. 

Take a look at how auto insurance rates vary across age groups below:

Age groupAverage Annual Car Insurance RateAnnual savings with MyChoice
18-20$5,168$1,028
21-24$2,953$587
25-34$1,969$391
35-44$1,448$288
45-54$1,187$236
55-64$1,009$200
65+$1,150$228

Quote data from MyChoice.ca, November 2024

Car Insurance Cost in Grande Prairie by Driving History

Your driving record is one of the key factors in determining your premiums. The fewer your traffic violations, the higher your chances are of getting lower premiums. Those with multiple traffic tickets and violations are labelled high-risk drivers and are thus charged more for auto insurance. 

Take note that driving violations stay on your record and affect your ability to get good rates for at least two years – sometimes even longer. The bottom line: drive carefully!

Here is a list of driving violations and how they can impact rates for drivers in Grande Prairie:

Driving violationAverage Annual Car Insurance Rate
Clean driving record$1,227
Insurance cancellation due to non-payment$2,013
Licence suspension for alcohol-related offences$1,473
One accident$2,700
Speeding ticket$1,595

Quote data from MyChoice.ca, November 2024

Other Factors That Affect Car Insurance Prices in Grande Prairie

Many factors influence your Grande Prairie car insurance rates. In addition to the ones we covered previously, here are other criteria that may increase or decrease your premiums:

Car Model Age

Older car models tend to land higher premiums because they don’t have the safety features of newer models, and their spare parts may be harder to find. Factor this larger insurance cost into your budget before buying a vintage car.

Service Centre or Dealership Availability

Cars that are hard to repair usually have higher insurance premiums. This includes import and luxury cars without a large dealership or service centre presence in Canada.

Vehicle Mileage

The more you drive, the higher the likelihood of you getting into an accident – this is why high-mileage cars get higher rates.

Local Crime Rates

Living in high-crime areas means your car is at a higher risk of being stolen or damaged. Insurers generally give residents of high-crime areas higher rates because they’re more likely to make theft or vandalism claims.

Loyalty Bonuses

Insurers love loyal customers and may even reward a long-term policyholder with discounts or other benefits. Ask your insurance agent about rate reductions or discounts if you’ve had your policy for years.

The Best Car Insurance Brokerages in Grande Prairie

Insurance brokers serve as a bridge between drivers and insurance companies. They scour through the best companies and deals so you don’t have to. 

There are many great auto insurance brokers in Grande Prairie who will take all of the hard work off your hands. Check them out below:

BrokerageAddressPhone number
Westland Insurance10525 100 Ave 2nd floor
Grande Prairie, AB T8V 0V8, Canada
+17805381180
AMA – Alberta Motor Association11401 99 St
Grande Prairie, AB T8V 2H6, Canada
+17805324421
Western Financial Group Inc. – Canada’s Insurance Broker10131 117 Ave
Grande Prairie, AB T8V 7Y9, Canada
+17805329600
Prairie Villa Insurance9917 116 Ave
Grande Prairie, AB T8V 3Y3, Canada
+17805327800

Driving in Grande Prairie

Nicknamed the “Swan City”, Grande Prairie is an industrial city located in Northwestern Alberta. It’s the largest city between Edmonton and Fairbanks, Alaska, and is a popular stop for drivers making the trip up to the Last Frontier. 

New drivers in Grande Prairie will find navigating a breeze as streets run north-south, avenues run east-west, and all roads are numbered. 

Here are some fast facts about driving in Grande Prairie:

  • Major highways in Grande Prairie: Highway 40, Highway 43 
  • Public transit options: Grande Prairie Transit (local bus), Cold Shot Bus Service (intercity bus)
  • Ridesharing services: N/A
  • Parking space providers: The City of Grande Prairie
  • Top tourist attractions: Muskoseepi Park, Saskatoon Island Provincial Park, Nitehawk Recreation Area, Grant Berg Gallery, Sundance Balloons, Grande Prairie Museum and Heritage Village, Art Gallery of Grande Prairie, Philip J. Currie Dinosaur Museum
  • Busy intersections: Highway 40 and 100 Street, 100 Street and 116 Avenue, 108 Street and 84 Avenue
  • Airports: Grande Prairie Airport

Main Mode of Commuting in Grande Prairie

93.8% or an overwhelming majority of Grande Prairie commuters commute by car. Out of the 27,365 car commuters, 25,390 of them drive themselves. The remaining 1,800 Grande Prairie commuters either used public transit, walked, cycled, or used other ways to get to work. Learn more about the modes of commuting in Grande Prairie in this table:

Main mode of commutingCountsRates
Total – 25% sample data29,170100.0
Car, truck or van27,36593.8%
Car, truck or van – as a driver25,39087.0%
Car, truck or van – as a passenger1,9806.8%
Public transit4201.4%
Walked7852.7%
Bicycle1750.6%
Other method4201.4%

Commuting Duration in Grande Prairie

Over half of Grande Prairie commuters take less than 15 minutes to get to work. Another third spends 15 to 29 minutes on their commute. This means people who spend over 30 minutes commuting in Grande Prairie are relatively few and far between. Here’s a look at the commuting lengths of Grand Prairie’s commuters:

Commuting durationCountsRates
Total – 25% sample data29,170100.0
Less than 15 minutes14,93051.2%
15 to 29 minutes10,15534.8%
30 to 44 minutes1,8306.3%
45 to 59 minutes5752.0%
60 minutes and over1,6805.8%

Driving Conditions in Grande Prairie

As Canada’s northernmost city with over 50,000 residents, Grande Prairie is cold and snowy almost two-thirds of the year. Snow tires are a must, especially through October and April, when ice and slush are common. 

Here’s a quick look at the overall driving conditions in Grande Prairie:

  • Average daily commute time: 33 minutes round trip
  • Average annual rainfall: 424 mm
  • Average annual snowfall: 1154 mm 
  • Rainy days per year: 129.6 days
  • Rainiest month in Grande Prairie: July
  • Driest months in Grande Prairie: February
  • Snow days per year: 104.7 days
  • Snowfall months in Grande Prairie: January – June, September – December

Traffic in Grande Prairie

Though Grande Prairie is a relatively small city compared to places like Edmonton and Calgary, it’s been experiencing rapid growth over the past 10 years that has brought on more traffic to its small roads. 

A new bypass – Highway 43X – helps to reduce congestion. Consider taking this route if you want to get through town quickly.

Learn more about traffic in Grande Prairie below: 

  • Population: Grande Prairie has a population of 67,929. 
  • City area: Grande Prairie has a total land area of 132.71 km².
  • Time spent in traffic annually: Most Grande Prairie residents spend around 33 minutes round trip per day which equates to approximately 201 hours in traffic annually.

The Most Common Questions About Car Insurance in Grand Prairie

How much is car insurance in Grande Prairie?

The average rate for car insurance in Grande Prairie is $1,220.

Is car insurance cheaper in Grande Prairie than in Edmonton?

Car insurance is cheaper in Grande Prairie than in Edmonton. The average rate for auto insurance in Edmonton is $1,412, while the average in Grande Prairie is $1,220.

Does fault matter in a car accident in Grande Prairie?

In Grand Prairie, as with the rest of Alberta, insurance companies cover damages regardless of who is really at fault.

What is the grid-level rating in Alberta?

Alberta’s grid rating program is a system that allows drivers to gain better insight into the rates they can expect for basic coverage. The grid defines the maximum premium for basic coverage for any type of driving record.

Does my Grande Prairie auto insurance work in the USA?

Your Grande Prairie auto insurance should work in the US. However, depending on your insurance provider, you may only be covered in the US for a limited time.

How can you get cheaper auto insurance in Grande Prairie?

Compare car insurance rates in Grande Prairie with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.

Methodology

Sample Size

We analyzed over 50,000 auto insurance quotes across Canada.

Profiles

Average rates were calculated using a standard profile and incident profiles. All personal details pertaining to the quotes and policies have been kept confidential.

Standard Profile

Single driver, one car, currently insured, and a pristine driving record. Our base profile is a 35-year-old individual (both male and female) with a spotless driving record.

Incident Profiles

We examined how rates change by evaluating profiles with a clean record (standard), one at-fault accident, a single speeding ticket, license suspension for alcohol related offenses and insurance cancellation due to non-payment.

Vehicle Details

These individuals own a 2018 Honda Civic, commute five days a week, and cover a distance of 15,000 kilometres annually.

Vehicle Models

Costs were also analyzed for different vehicles: Mazda CX-5, Ford Escape, Toyota Corolla, Honda Accord, Chevrolet Equinox, and the base 2018 Honda Civic.

Age and Homeownership

Profiles from age 18-65 (standard: 35 years) were considered. Depending on age, individuals might rent or own their homes. Age-related regulations may vary across provinces.

Team

MyChoice data science, MyChoice research.

Sources

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

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

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

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

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

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

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

8. Weather Network Canada, Historical Averages, Alberta, Grande Prairie.

9. Transportation Alberta Mapping, Alberta, Grande Prairie.

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