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Monthly PremiumsDate & TimeQuote TypeAgeGenderPostal Code
$98.31Apr 21, 2024, 05:10 AMAuto67FemaleL6T4B6
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Article Contents
Picture of By <span>Aren Mirzaian</span>
By Aren Mirzaian

Updated on February 12, 2024

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

Updated February 12, 2024

Visit author page

12 minute read

Article Contents

How Can You Get Cheap Car Insurance in Medicine Hat?

You can get lower premiums and cheap car insurance in Medicine Hat by finding the best policy deals and lowering your risk profile. Here are several ways to get cheap Medicine Hat auto insurance:

Shop and Compare Policies

Different insurance providers offer different rates. By shopping between several companies, you can get the best Medicine Hat auto insurance rates.

Bundle Home and Auto Insurance

Insurance companies like it when you bundle home and auto insurance because you’re giving them more business in one go. Bundling home and auto policies from one insurer typically gets you better rates than individual policies from two companies.

Remove Unnecessary Optional Coverage

Taking all the available auto insurance coverage protects you from many things but raises your premiums. If you want to lower insurance rates, double-check your policy and remove any optional coverage you likely won’t use.

Pay Yearly Premiums

Insurers often give discounts to customers who pay their auto insurance premiums in bulk. The initial payment might look expensive, but it’ll save you money compared to monthly premiums. Some insurers also offer half-year premium payments if you can’t afford to pay full-year premiums.

Drive Safely

Driving violations and accidents stay on your insurance record for years and negatively influence your auto insurance rates. If you have a clean driving record, ensure it stays that way to get the best Medicine Hat car insurance rates.

Take Pay-As-You-Go Insurance

Consider pay-as-you-go insurance if you’re a safe driver who doesn’t travel much. This type of insurance determines your rates by analyzing your driving habits and car mileage. Pay-as-you-go insurance helps safe drivers save up to 30% on insurance premiums.

Get a Higher Deductible

You must pay deductibles when claiming insurance before the carrier covers the remaining expenses. A higher deductible means you pay more out of pocket in case of an accident, but it often comes with lower insurance premiums. Conversely, a lower deductible often means you pay less money in an accident but pay higher insurance rates.

Buy Safe Cars

Cars with high safety ratings often get lower insurance premiums because they’re less likely to experience serious damage in an accident. Check the car model’s safety rating before buying to ensure you won’t overpay for insurance.

Quick Facts About Auto Insurance in Medicine Hat

  • Medicine Hat car insurance is LESS expensive than the Alberta average.
  • The average annual car insurance cost in Medicine Hat for a driver with a clean record is around $1,119.
  • Comparing Medicine Hat auto insurance quotes with MyChoice can save you up to $795 annually.

Who Provides Car Insurance Quotes in Medicine Hat?

Insurance agents, brokers, aggregators, and direct writers provide car insurance quotes in Medicine Hat. What are the differences, and what does each offer? Here’s a closer look at the four insurance provider types:

Insurance Brokers

Insurance brokers are independent providers who can compare insurance providers and find you the best policy deals. Brokers are often very knowledgeable about the Medicine Hat auto insurance market, so they’re well-equipped to answer your questions about insurance.

Direct Writers

Direct writers are similar to agents in that they only sell products from one insurer. They are usually cheaper because they don’t have physical offices, but you can’t book a face-to-face meeting with them.

Insurance Agents

Insurance agents are employed under a certain insurer, so their policy selection may be limited compared to brokers. However, they know the company’s insurance policies like the back of their hand and can give you discounts not available to brokers. Insurance agents can also close sales independently, ensuring your policy sale finishes quickly.

Insurance Aggregators

Aggregator websites like MyChoice gather offers from multiple insurers in one place to help drivers find the best deals. These sites are entirely free for customers, so you can get quotes and find the right policy without spending anything.

How Does Car Insurance Work in Medicine Hat?

Car insurance in Medicine Hat 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 Medicine Hat.

Auto insurance coverage in Medicine Hat is split into two types:

  • Mandatory: You need mandatory coverage to drive legally. 
  • Optional: Optional coverage provides extra protection in specific situations.

Alberta provincial law requires all drivers to have three types of insurance coverage:

Third-Party Liability (TPL)

TPL insurance coverage provides benefits if you’re at fault for an accident that causes vehicular damage or results in somebody getting hurt or killed. Alberta provincial law requires you to have a minimum of $200,000 in TPL protection.

Direct Compensation for Property Damage (DCPD)

DCPD insurance covers your vehicle’s damage if another insured driver is at fault. This coverage became mandatory in January 2022 and is automatically applied to all current auto insurance policyholders in Medicine Hat.

Accident Benefits

Accident benefits cover medical bills, income replacement, and potential funeral expenses if you, your passenger, or a pedestrian are hurt or killed in an accident.

While you only need the three mandatory coverage options to drive legally in Medicine Hat, you may need extra protection for various reasons. Here are some extra coverage options we recommend for Medicine Hat drivers:

Additional TPL Coverage

The bare minimum $200,000 TPL coverage is relatively small, so some Medicine Hat drivers opt for additional third-party liability protection worth up to $2 million. 

Extra Accident Benefits

Accident benefits often have a claims cap – in 2022, the cap is $5488. If that number seems too small, ask your insurer about raising the accident benefit cap.

Collision Insurance

Many people don’t realize that the mandatory coverage doesn’t cover repair costs if you’re at fault. We recommend getting collision insurance because you never know when you might be at fault for an accident, and car repair costs can be expensive.

Comprehensive Insurance

Vehicle collisions aren’t the only potential danger to your car. Your car can also be damaged by bad weather, vandals, fire, or even animal collisions. Comprehensive insurance coverage protects you from just about any danger aside from vehicular collisions.

Limited Depreciation Waiver

Car theft is unfortunately very common in Medicine Hat, meaning you need insurance protection from it. With a limited waiver of depreciation, you can get a refund on your car’s purchase price if it was stolen or totalled in an accident. 

Ridesharing Coverage

Regular auto insurance in Medicine Hat doesn’t provide coverage for ridesharing drivers because they have a higher risk profile than regular drivers. Some common risks for ridesharing drivers include driving long distances, entering dangerous areas, and increased chances of theft and accidents.

Fortunately, ridesharing coverage is designed specifically for this subset of drivers. If your car gets stolen or involved in an accident when working as a rideshare driver, this coverage will pay out.

How Your Car Insurance Quotes Are Calculated in Medicine Hat

Your Medicine Hat 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 Medicine Hat car insurance quotes:

Driver Demographics

Personal demographics are one of the main consideration factors for your Medicine Hat auto insurance premiums because they affect your risk profile greatly.

Younger drivers must pay higher premiums because insurers generally see them as accident-prone. Fortunately, insurance rates start declining at 25 years old because insurers see you as an experienced driver by then. Your rates rise again when you hit 65 because seniors tend to have worse eyesight and are more vulnerable to injuries or death in accidents.

Women often get lower insurance rates than men because insurers believe them to be more careful drivers. The same goes for married people, who insurers assume will take fewer risks because they have family waiting at home. Moreover, married people usually bundle home and auto insurance, further driving their premiums down.

Location

Insurers charge higher insurance rates if you live in big cities like Calgary and Edmonton. Big cities are riskier for drivers because there are more cars and a higher risk of theft. 

Driving History

People with a clean driving history get lower premiums because insurers see them as low-risk drivers who are unlikely to get in accidents. Conversely, people with several accidents to their name get higher premiums because history may repeat down the line.

Driving Frequency

The more you drive, the more likely you will get into an accident. This is why insurers ask about your driving habits when determining your Medicine Hat auto insurance premiums.

Vehicle Safety Record

Insurers use CLEAR (Canadian Loss Experience Automobile Rating) to measure a car model’s risk profile. Car models that are a frequent target of thieves and get into accidents often get a lower CLEAR score, marking them as high-risk vehicles. 

If you want to save on Medicine Hat car insurance premiums, you should check a model’s CLEAR score before buying a car.

Coverage Chosen

Insurers use CLEAR (Canadian Loss Experience Automobile Rating) to measure a car model’s risk profile. Car models that are a frequent target of thieves and get into accidents often get a lower CLEAR score, marking them as high-risk vehicles. 

If you want to save on Medicine Hat car insurance premiums, you should check a model’s CLEAR score before buying a car.

Most Expensive Postal Codes in Medicine Hat

The average rate of auto insurance in Medicine Hat is $1,119 and is one of the more affordable cities for car insurance in the province. The postal code that sees the highest auto insurance rates is the T1C region or Medicine Hat North.

Check the table below for more information:

Postal codeAverage Annual Car Insurance Rate
T1C$1,114

Least Expensive Postal Codes in Medicine Hat

The postal code that pays the cheapest car insurance premiums in Medicine Hat is the T1A region or Medicine Hat Central. 

Medicine Hat has the fifth most affordable auto insurance premiums in Alberta. It is preceded by the cities of Cochrane, Parkland County, Hinton, and Ponoka. 

Postal codeAverage Annual Car Insurance Rate
T1A$1,105

Car Insurance Cost in Medicine Hat by Age

Age plays a major role in how much car insurance costs. Younger drivers typically face higher premiums due to their lack of driving experience, while seniors are charged more because they’re at greater risk for an accident. 

Compare auto insurance rates across different age groups below: 

Age groupAverage Annual Car Insurance RateAnnual savings with MyChoice
18-20$3,995$795
21-24$2,283$454
25-34$1,522$303
35-44$1,119$223
45-54$918$183
55-64$780$155
65+$889$177

Car Insurance Cost in Medicine Hat by Driving History

One of the first things auto insurers look at when quoting premiums is their client’s driving record. 

A clean slate of no traffic violations will earn you a lower premium and more peace of mind. Conversely, multiple infractions can lead insurers to believe you’re a high-risk driver, which results in higher premiums. 

This may result in higher premiums and less financial security on the road ahead. Typically, driving violations stay on your record for at least two years and affect your premium rates for many more.

See how traffic violations impact auto insurance rates for drivers in Medicine Hat below: 

Driving violationAverage Annual Car Insurance Rate
Clean driving record$1,119
Insurance cancellation due to non-payment$1,835
Licence suspension for alcohol-related offences$1,343
One accident$2,462
Speeding ticket$1,454

Other Factors That Affect Car Insurance Prices in Medicine Hat

Many factors influence your Medicine Hat 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 Medicine Hat

When it comes to ensuring your vehicle is properly protected, you don’t have to go the extra mile alone. Brokers will essentially “match-make” between companies and car owners and search for the best deals possible. 

Top-notch auto insurance brokers in Medicine Hat can do all the heavy lifting for you. Check them out below:

BrokerageAddressPhone number
AMA – Alberta Motor Association2710 13 Ave SE
Medicine Hat, AB T1A 3P8, Canada
+14035271166
BrokerLink623 4 St SE
Medicine Hat, AB T1A 0L1, Canada
+14035263283
Westland Insurance568 S Railway St #1
Medicine Hat, AB T1A 2V6, Canada
+14035048300
Reliance Insurance Agencies414 6 Ave SE
Medicine Hat, AB T1A 2S8, Canada
+14035268800

Driving in Medicine Hat

Medicine Hat is a small city in Alberta that is about a three-hour drive from Calgary. The city was founded as a railway town and has come to be known as the “Gas City” due to its abundance of natural gas fields. The South Saskatchewan River Valley runs through the centre of the city.

Medicine Hat is located along the Trans-Canada Highway and is surrounded by the town of Redcliff, and the hamlets Desert Blume, Irvine, Seven Persons, Veinerville, and Dunmore.

Here are some key facts about driving in Medicine Hat: 

  • Major highways in Medicine Hat: Trans-Canada Highway (Highway 1), Crowsnest Highway (Highway 3), Alberta Provincial Highway 41A
  • Public transit options: Medicine Hat Transit (bus, paratransit), Greyhound (bus), TRAXX Coachlines
  • Ridesharing services: 24/7 Rideshare Services
  • Parking space providers: The City of Medicine Hat
  • Top tourist attractions: Medicine Hat Clay Industries National Historic District, The Shannon House, Saamis Teepee, Police Point Park, Red Rock Coulee 
  • Busy intersections: Highway 1 and Dunmore Road SE, Highway 1 and 13 Ave. SE, Highway 1 and 7 St. SW
  • Airports: Medicine Hat Regional Airport

Main Mode of Commuting in Medicine Hat

93% of Medicine Hat’s commuters travel by car, truck, or van. Public transit is the second-least popular commuting mode after cycling, boasting only 375 users. In fact, there’s almost twice as many pedestrian commuters as there are public transit users. Here’s a detailed look at the modes of commuting in Medicine Hat:

Main mode of commutingCountsRates
Total – 25% sample data25,075100.0
Car, truck or van23,31593.0%
Car, truck or van – as a driver21,80086.9%
Car, truck or van – as a passenger1,5156.0%
Public transit3751.5%
Walked9153.6%
Bicycle800.3%
Other method3901.6%

Commuting Duration in Medicine Hat

Despite the vast majority of Medicine Hat commuters being personal vehicle users, the city boasts a relatively brisk commute. Over half of the city’s commuters take less than 15 minutes getting to work, while 31.4% of them take 15 to 29 minutes. Check the table for more details on Medicine Hat’s commuting duration:

Commuting durationCountsRates
Total – 25% sample data25,075100.0
Less than 15 minutes14,15056.4%
15 to 29 minutes7,88031.4%
30 to 44 minutes1,2254.9%
45 to 59 minutes5702.3%
60 minutes and over1,2505.0%

Driving Conditions in Medicine Hat

Medicine Hat is the sunniest city in Canada, receiving an average of 2,544 hours of sunshine each year. However, flooding was a problem throughout Alberta in 2013. During winter, road conditions can also get tricky, with 25% of fatal collisions caused by slush, snow, or ice. 

Winter tires are essential when driving in Medicine Hat. Comprehensive car insurance can also protect you from weather-related damage. 

Here’s a snapshot of the overall driving conditions in Medicine Hat: 

  • Average daily commute time: 36 minutes round trip
  • Average annual rainfall: 249 mm
  • Average annual snowfall: 538 mm 
  • Rainy days per year: 91.4 days
  • Rainiest month in Medicine Hat: June
  • Driest months in Medicine Hat: January, December
  • Snow days per year: 62.5 days
  • Snowfall months in Medicine Hat: January – May, September – December

Traffic in Medicine Hat

The majority of Medicine Hat residents drive their cars to work or school but traffic doesn’t get as bad in Medicine Hat as it does in bigger Alberta cities like Calgary or Edmonton

Life is relatively slow-paced in Medicine Hat – it boasts the fifth-lowest collision frequency in Canada. However, some places are still prone to traffic accidents, such as Highway 1. 

Here’s a snapshot of what driving is like in Medicine Hat: 

  • Population: Medicine Hat has a population of 65,203. 
  • City area: Medicine Hat has a total land area of 111.97 km².
  • Average commute distance: The average Medicine Hat resident commutes x km daily. 
  • Time spent in traffic annually: Most Medicine Hat residents spend x hours in traffic annually.

The Most Common Questions About Car Insurance in Medicine Hat

Is ridesharing insurance available in Medicine Hat?

Ridesharing insurance is available in Medicine Hat. Currently, there is only one company offering ridesharing and food delivery services, 24/7 Rideshare Services.

How much does Medicine Hat car insurance cost?

Car insurance costs in Medicine Hat vary depending on the driver’s age, driving history, place of residence, and vehicle. The average rate of car insurance in Medicine Hat is $1,119.

Is car insurance cheaper in Medicine Hat than in Calgary?

Car insurance is cheaper in Medicine Hat than in Calgary. The average rate of auto insurance in Medicine Hat is $1,119, while it is $1,512 in Calgary.

What are the best car insurance companies in Medicine Hat?

The best car insurance companies in Medicine Hat are the ones that can give you the best rates. Auto insurance rates vary from person to person and are calculated differently across each insurance provider. As such, it’s important to shop around and compare quotes between different insurance companies. 

Who has the cheapest auto insurance in Medicine Hat?

It’s difficult to tell which company offers the cheapest auto insurance, as each company has its own way of calculating quotes. These computations will also depend on the individual driver’s profile.

Which cars get the lowest car insurance premiums in Medicine Hat?

The cars that get the lowest insurance premiums are often popular, reliable, budget cars. This is because these types of cars are cheaper to repair and replace than more high-end vehicles. 

Why should you compare car insurance rates in Medicine Hat?

You should compare car insurance rates because each insurance provider computes rates differently. You may also be able to get discounts or bundles based on certain factors, such as if you’re purchasing home insurance as well. 

What information do you need for an auto insurance quote in Medicine Hat?

To give you an auto insurance quote, insurers often look for the following information:

Your driver’s licence number;
Your vehicle identification number (VIN);
Traffic violations within the last three years;
Claims filed in the last eight years;
Your current insurance policy and company, if any;
Coverage details.

Can I use my Medicine Hat car insurance to drive in the United States?

Your Medicine Hat auto insurance should be valid in the US. Alert your insurance provider if you decide to drive to the United States, as some insurers have a limit on how many days their clients can be covered while driving in the US.

Are winter tires mandatory in Medicine Hat?

Winter tires are not mandatory but are recommended for driving in Medicine Hat.

Sources

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

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

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

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

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

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

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

8. Weather Network Canada, Historical Averages, Alberta, Medicine Hat.

9. Transportation Alberta Mapping, Alberta, Medicine Hat.

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