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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
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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

4 minute read

Article Contents

Quick Facts About Auto Insurance in Lethbridge

  • Lethbridge car insurance is LESS expensive than the Alberta average.
  • The average annual car insurance cost in Lethbridge for a driver with comprehensive/collision coverage and a clean record is around $1,199.
  • Comparing Lethbridge auto insurance quotes with MyChoice can save you up to $851 annually.

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:

BrokerageAddressPhone number
Westland Insurance1201 3 Ave S
Lethbridge, AB T1J 0J8, Canada
+14033287777
Armour Insurance, Car, Home, Business, Farm & Life, Lethbridge1122 3 Ave S #3
Lethbridge, AB T1J 0J6, Canada
+14033274014
Chaparral Insurance Brokers Lethbridge3120 32 St S #150
Lethbridge, AB T1K 7B4, Canada
+14033882386
Astro Insurance & Registry100-542 7 St S
Lethbridge, AB T1J 2H1, Canada
+14033281000

Most Expensive Postal Codes in Lethbridge

Lethbridge’s average annual cost of car insurance is $1,199 which is slightly under the average provincial rate in Alberta of $1,211. 

The Lethbridge North region T1H has the highest rates of car insurance premiums:

Postal codeAverage Annual Car Insurance Rate
T1H$1,248

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 codeAverage Annual Car Insurance Rate
T1K$1,185
TIJ$1,191

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 groupAverage Annual Car Insurance RateAnnual savings with MyChoice
18-20$4,280$851
21-24$2,446$487
25-34$1,631$324
35-44$1,199$238
45-54$983$196
55-64$836$166
65+$953$189

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 violationAverage Annual Car Insurance Rate
Clean driving record$1,199
Insurance cancellation due to non-payment$1,966
Licence suspension for alcohol-related offences$1,439
One accident$2,638
Speeding ticket$1,559

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 commutingCountsRates
Total – 25% sample data40,715100.0
Car, truck or van37,28591.6%
Car, truck or van – as a driver34,84585.6%
Car, truck or van – as a passenger2,4456.0%
Public transit9302.3%
Walked1,4653.6%
Bicycle3901.0%
Other method6401.6%

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 durationCountsRates
Total – 25% sample data40,715100.0
Less than 15 minutes21,35052.4%
15 to 29 minutes14,44535.5%
30 to 44 minutes2,7056.6%
45 to 59 minutes9352.3%
60 minutes and over1,2753.1%

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 $1,199 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 $1,512 and $1,199 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.

Sources

1. Mychoice.ca Internal Data, Most Expensive Postal Codes, Alberta, Lethbridge, Car Insurance Quotes Collected, 2023.

2. Mychoice.ca Internal Data, Least Expensive Postal Codes, Alberta, Lethbridge, Car Insurance Quotes Collected, 2023.

3. Mychoice.ca Internal Data, Rate Cost By Age, Alberta, Lethbridge, Car Insurance Quotes Collected, 2023.

4. Mychoice.ca Internal Data, Rate Cost By Driving History, Alberta, Lethbridge, Car Insurance Quotes Collected, 2023.

5. City of Lethbridge Website, Driving & Transit Information. Data Collected, 2023.

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

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

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

9. Transportation Alberta Mapping, Alberta, Lethbridge.

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