Quote data from MyChoice.ca, November 2025
How Does Car Insurance Work in Lethbridge?
Car insurance is mandatory in Alberta, and if you live in Lethbridge, 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 Lethbridge through MyChoice, divided into mandatory and highly recommended coverages. Together, these form the full picture of what drivers in Lethbridge 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) | $1,054 |
| 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) | $1,150 |
| Coverage Total: | $2,205 |
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. | $591 |
| Accident Benefits | Covers medical costs, rehabilitation, and income replacement for you and your passengers, regardless of who caused the accident. | $162 |
| – 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. | $302 |
| Coverage Total: | $1,054 |
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. | $442 |
| Comprehensive | Covers non-collision damage such as theft, fire, hail, windstorms, vandalism, or fallen objects. | $581 |
| 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. | $17 |
| SEF 20: Loss of Use | Covers transportation costs (rental car, rideshare, transit) while your vehicle is being repaired after a covered loss. | $28 |
| 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. | $33 |
| 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. | $19 |
| SEF 39: Accident Forgiveness | Prevents your rates from increasing after your first at fault accident (as long as you stay with the same insurer). | $28 |
| 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. | $2 |
| Coverage Total: | $1,150 |
Quote data from MyChoice.ca, November 2025
Most Expensive Postal Codes in Lethbridge
Lethbridge’s average annual cost of car insurance is $2,205 which is slightly under the average provincial rate in Alberta of $1,812.
The Lethbridge North region T1H has the highest rates of car insurance premiums:
| Postal code | Average Annual Car Insurance Premium |
|---|---|
| T1H | $2,246 |
Quote data from MyChoice.ca, November 2025
Least Expensive Postal Codes in Lethbridge
The area with the lowest car insurance premiums is the region of T1J, or Lethbridge West And Central, home to Lethbridge University.
| Postal code | Average Annual Car Insurance Premium |
|---|---|
| T1K | $2,160 |
| TIJ | $2,048 |
Quote data from MyChoice.ca, November 2025
How Lethbridge Car Insurance Rates Compare to Nearby Cities
Lethbridge remains one of Alberta’s more affordable cities for auto insurance, offering noticeably lower premiums than Calgary, Edmonton, and Red Deer.
| City | Average Annual Car Insurance Premium |
|---|---|
| Lethbridge, AB | $2,205 |
| Medicine Hat, AB | $1,830 |
| Calgary, AB | $2,640 |
| Airdrie, AB | $2,598 |
| Banff, AB | $2,099 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in Lethbridge by Age
Age is one of the factors that influence your auto insurance premiums the most. The price you pay for car insurance can vary by hundreds of dollars depending on, for example, if you’re under 20 or over 40.
Younger adults and seniors usually pay more as they’re more likely to get into car accidents. Car insurance goes down for older adults but then goes up again for seniors.
Take a look below at the cost of car insurance in Lethbridge per age group:
| Age Group | Average Annual Car Insurance Premium | MyChoice Savings |
|---|---|---|
| 18–20 | $6,239 | $1,241 |
| 21–24 | $3,197 | $636 |
| 25–34 | $2,558 | $508 |
| 35–44 | $2,205 | $439 |
| 45–54 | $1,785 | $355 |
| 55–64 | $1,720 | $342 |
| 65+ | $1,829 | $364 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in Lethbridge by Driving History
Your driving history also makes a big difference when looking for rates of auto insurance premiums in Lethbridge. Insurers check your history and give you a quote that varies based on past accidents, speeding and parking tickets, and other violations.
If your driving history is clean, it shows you’re a low-risk driver so insurers give lower rates. If not, the price goes up considerably. Driving safely is one of the ways you can get the cheapest car insurance rates in Alberta.
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $2,205 |
| Insurance cancellation (CNP) | $3,153 |
| DUI / licence suspension | $2,624 |
| One at-fault accident | $4,057 |
| Speeding ticket | $2,756 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in Lethbridge by Vehicle Model
Luxury brands like Audi and Volvo tend to cost more to insure in Lethbridge, while mainstream models such as Honda, Ford, and Subaru typically fall on the lower end.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda | $2,023 |
| Volvo | $2,207 |
| Tesla | $2,165 |
| Toyota | $2,321 |
| Chevrolet | $2,073 |
| Ford | $2,018 |
| Hyundai | $2,223 |
| Audi | $2,741 |
| Mazda | $2,055 |
| Subaru | $1,913 |
Quote data from MyChoice.ca, November 2025
The Best Car Insurance Brokerages in Lethbridge
You can work with car insurance brokers in Lethbridge, to get affordable, comprehensive deals. Here’s a look at some of the best brokers in Lethbridge:
| Brokerage | Address | Phone number |
|---|---|---|
| Westland Insurance | 1201 3 Ave S Lethbridge, AB T1J 0J8, Canada | +14033287777 |
| Armour Insurance, Car, Home, Business, Farm & Life, Lethbridge | 1122 3 Ave S #3 Lethbridge, AB T1J 0J6, Canada | +14033274014 |
| Chaparral Insurance Brokers Lethbridge | 3120 32 St S #150 Lethbridge, AB T1K 7B4, Canada | +14033882386 |
| Astro Insurance & Registry | 100-542 7 St S Lethbridge, AB T1J 2H1, Canada | +14033281000 |
Driving in Lethbridge
The City of Lethbridge is the industrial, commercial, financial, and transportation centre of Southern Alberta. It provides around 86,000 jobs for people living within a 100 km radius who commute to and within the city daily.
Here are some key facts about driving in Lethbridge:
- Major highways in Lethbridge: Highways 3, 4, 5, and 25
- Public transit options: Lethbridge Transit (public bus), Red Arrow Motorcoach (e-bus and inter-city coach), Access-A-Ride (specialized transportation)
- Ridesharing services: Uber, Lyft
- Parking space providers: The City of Lethbridge, Precise Parklink
- Top tourist attractions: Galt Museum, Nikka Yuko Japanese Garden, Fort Whoop-Up, High-Level Bridge, Southern Alberta Art Gallery, 4 UNESCO World Heritage Sites
- Busy intersections: Scenic Dr. S and 3 Ave S, 6 Ave S and 13 St S, 32 Ave S and 32 St S
- Airports: Lethbridge Airport (YQL)
Main Mode of Commuting in Lethbridge
A vast majority of commuters in Lethbridge do so by car, truck, or van. Out of the 37,285 personal vehicle commuters, there are 34,845 drivers and 2,445 passengers. Coming in second place are pedestrians, with public transit users coming in third. Examine the table below for more information on the modes of commuting in Lethbridge:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 40,715 | 100.0 |
| Car, truck or van | 37,285 | 91.6% |
| Car, truck or van – as a driver | 34,845 | 85.6% |
| Car, truck or van – as a passenger | 2,445 | 6.0% |
| Public transit | 930 | 2.3% |
| Walked | 1,465 | 3.6% |
| Bicycle | 390 | 1.0% |
| Other method | 640 | 1.6% |
Commuting Duration in Lethbridge
Over half of the commuters in Lethbridge spend under 15 minutes getting to work. Meanwhile, 35.5% of commuters spend between 15 to 29 minutes getting to work. In a city of over 100,000 residents, these are reasonably fast commute times. Learn more about commuting durations in Lethbridge by examining the table below:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% sample data | 40,715 | 100.0 |
| Less than 15 minutes | 21,350 | 52.4% |
| 15 to 29 minutes | 14,445 | 35.5% |
| 30 to 44 minutes | 2,705 | 6.6% |
| 45 to 59 minutes | 935 | 2.3% |
| 60 minutes and over | 1,275 | 3.1% |
Driving Conditions in Lethbridge
The cost of your insurance premiums is also affected by local driving conditions like how much it rains or snows. Here’s an overview of Lethbridge’s driving conditions:
- Average daily commute time: 32 minutes round trip
- Average annual rainfall: 271.1 mm
- Average annual snowfall: 130.5 cm
- Rainy days per year: 25.74 days
- Rainiest month in Lethbridge: June
- Driest month in Lethbridge: January
- Snow days per year: 51.2 days
- Snowfall months in Lethbridge: October – April
Traffic in Lethbridge
Lethbridge is 100 km north of the American border and on the CANAMEX corridor. This has made it a major shipping destination and has contributed to its population growth of 15% since 2011.
- Population: The City of Lethbridge has 101,482 residents.
- City area: Lethbridge has a city area of 127.2 km².
- Time spent in traffic annually: The average Lethbridge resident spends 32 minutes in traffic daily, totalling roughly 195 hours per year.
- Busiest roads: Lethbridge’s busiest roads are Whoop-Up Drive, Mayor Magrath Drive, Crowsnest Trail, Stafford Drive, Scenic Drive, University Drive West, 13 St, 6 Ave S, and 3 Ave S.
The Most Common Questions About Car Insurance in Lethbridge
How much does Lethbridge car insurance cost?
Car insurance in Lethbridge costs $2,156 on average per year.
Is car insurance cheaper in Lethbridge than in Calgary?
Yes, car insurance is cheaper in Lethbridge than in Calgary. The average annual cost of car insurance in Calgary is $2,582 and $2,156 in Lethbridge.
Why should you compare car insurance rates in Lethbridge?
As rates can vary based on the insurer and your specific case, you should compare car insurance rates in Lethbridge to make sure you get the best deals.
Can I use my Lethbridge car insurance to drive in the United States?
Yes, you can use your Lethbridge car insurance to drive in the United States. That said, check with your insurance agent or broker first to ask what your policy covers.
How can you get cheaper auto insurance in Lethbridge?
Compare car insurance rates in Lethbridge with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.