Quote data from MyChoice.ca, November 2025
How Does Car Insurance Work in St. Albert?
Car insurance is mandatory in Alberta, and if you live in St. Albert, 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 St. Albert through MyChoice, divided into mandatory and highly recommended coverages. Together, these form the full picture of what drivers in St. Albert 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) | $1,286 |
| 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) | $974 |
| Coverage Total: | $2,260 |
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. | $606 |
| Accident Benefits | Covers medical costs, rehabilitation, and income replacement for you and your passengers, regardless of who caused the accident. | $166 |
| – 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. | $310 |
| Coverage Total: | $1,286 |
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. | $453 |
| Comprehensive | Covers non-collision damage such as theft, fire, hail, windstorms, vandalism, or fallen objects. | $595 |
| 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. | $29 |
| 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. | $34 |
| 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. | $20 |
| SEF 39: Accident Forgiveness | Prevents your rates from increasing after your first at fault accident (as long as you stay with the same insurer). | $29 |
| 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: | $974 |
Quote data from MyChoice.ca, November 2025
Most Expensive Postal Codes in St. Albert
The city of St. Albert has an average annual car insurance rate of $2,260.
Since T8N is the only postal code in St. Albert, it’s by default the most expensive area for auto insurance in the city.
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| T8N | $2,273 |
Quote data from MyChoice.ca, November 2025
How St. Albert Car Insurance Rates Compare to Nearby Cities
St. Albert offers more affordable car insurance than neighbouring Edmonton and Airdrie, but remains slightly higher than Red Deer. Its lower traffic density and smaller road network help keep premiums moderate.
| City | Average Annual Car Insurance Premium |
|---|---|
| Edmonton | $2,400 |
| St. Albert | $2,260 |
| Red Deer | $2,335 |
| Airdrie | $2,598 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in St. Albert by Age
The cost of your car insurance in St. Albert is affected by your age. Insurance companies assess your level of risk as you gain more experience driving and offer cheaper or more expensive rates at certain age brackets.
A young driver under the age of 25 can expect to pay a lot in insurance because the insurers consider them inexperienced drivers that are prone to accidents. Drivers older than 25 but younger than 55 tend to be given discounts as they’re considered more experienced drivers. After the age of 65, your annual insurance premiums start to go up again as your eyesight and reaction time worsens.
Here’s a table where you can check out the average annual insurance rates per age bracket and how much using MyChoice can save you:
| Age Group | Average Annual Car Insurance Premium | Annual Savings with MyChoice |
|---|---|---|
| 18–20 | $6,395 | $1,272 |
| 21–24 | $3,277 | $651 |
| 25–34 | $2,622 | $522 |
| 35–44 | $2,260 | $450 |
| 45–54 | $1,830 | $364 |
| 55–64 | $1,763 | $351 |
| 65+ | $1,875 | $373 |
Quote data from MyChoice.ca, November 2025
Car Insurance Cost in St. Albert by Driving History
One of the factors that affect your auto insurance premiums the most is your driving history.
If insurance companies check your record and see a history of traffic violations or accidents, they may profile you as a high-risk driver. This means that you’ll be charged a higher insurance rate in St. Albert. On the other hand, a clean driving record will give insurers confidence, allowing you to get a cheaper rate.
Driving violations in St. Albert stay on your record for two years, but insurance companies can check your driving history as far as 10 years back. DUIs, parking lot accidents, and speeding tickets are some of the marks that insurers will search your record for.
Here’s a table showing how driving violations can increase your car insurance premiums in St. Albert:
| Driving Violation | Average Annual Car Insurance Premium |
|---|---|
| Clean driving record | $2,260 |
| Insurance cancellation (CNP) | $3,231 |
| DUI / Licence suspension | $2,689 |
| One at-fault accident | $4,158 |
| Speeding ticket | $2,825 |
Quote data from MyChoice.ca, November 2025
Car Insurance Rates by Car Model in St. Albert
Mainstream brands like Honda, Mazda, and Subaru remain the most affordable to insure in St. Albert. Premium European models, particularly Audi and BMW, come with higher repair costs — pushing insurance premiums higher.
| Car Model | Average Annual Car Insurance Premium |
|---|---|
| Honda | $2,028 |
| Toyota | $2,327 |
| Ford | $2,023 |
| Chevrolet | $2,078 |
| Mazda | $2,061 |
| Hyundai | $2,229 |
| Volkswagen | $2,033 |
| Subaru | $1,918 |
| BMW | $2,572 |
| Audi | $2,747 |
The Best Car Insurance Brokerages in St. Albert
Car insurance brokerages are businesses that help drivers find the best car insurance plan for them by comparing car insurance policies between insurance providers in St. Albert. You can ask insurance brokers questions to find out what kind of insurance you’ll need and how much it will cost.
Some of the top car insurance brokerages in St. Albert can provide the best car insurance plans for drivers. If you need assistance shopping for an affordable auto insurance policy, contact these brokerages:
| Brokerage | Address | Phone number |
|---|---|---|
| AMA – Alberta Motor Association | 665 St Albert Trail #200 St. Albert, AB T8N 3L3, Canada | +17804188900 |
| Grandin Agencies | 7 Perron St St. Albert, AB T8N 1E3, Canada | +17804588110 |
| Drayden Insurance & Registries Ltd | 60 Green Grove Dr #100 St. Albert, AB T8N 5H6, Canada | +17804597700 |
Driving in St. Albert
St. Albert is a city with a small-town feel. While this city may be smaller than Calgary or Edmonton, it has all the amenities of a major urban center, such as exceptional community services, a thriving cultural scene, and well-planned neighbourhoods.
Here are some key facts about driving in St. Albert:
- Major highways: 2, 216, 633
- Public transit options: St. Albert Transit
- Ridesharing services: Uber, Lyft
- Parking space providers: The City of St. Albert, private lots
- Top tourist attractions: St. Albert Botanic Park, Musee Heritage Museum
- Busy intersections: St. Albert Trail and Giroux Road/Boudreau Road, St. Albert Trail and McKenney Avenue/Bellerose Drive, St. Albert Trail and Hebert Road/Gervais Road
- Airports: N/A
Main Mode of Commuting in St. Albert
92.1% of St. Albert’s commuters prefer travelling by car or other personal vehicle. The second-most popular commuting method is walking, which 3.4% of commuters prefer. Check the table below for more information on the modes of commuting used by St. Albert commuters:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 24,820 | 100.0 |
| Car, truck or van | 22,860 | 92.1% |
| Car, truck or van – as a driver | 21,645 | 87.2% |
| Car, truck or van – as a passenger | 1,215 | 4.9% |
| Public transit | 490 | 2.0% |
| Walked | 840 | 3.4% |
| Bicycle | 130 | 0.5% |
| Other method | 495 | 2.0% |
Commuting Duration in St. Albert
St. Albert’s small-town feel extends to its commute times. Around 70% of its commuters spend less than 29 minutes on the road, which is reasonably fast for a city of St. Albert’s size. Moreover, only 2.7% of its commuters take over an hour to get to work. Here’s a quick look at the commuting times in St. Albert:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 24,820 | 100.0 |
| Less than 15 minutes | 7,765 | 31.3% |
| 15 to 29 minutes | 9,730 | 39.2% |
| 30 to 44 minutes | 5,505 | 22.2% |
| 45 to 59 minutes | 1,150 | 4.6% |
| 60 minutes and over | 665 | 2.7% |
Driving Conditions in St. Albert
Roads in St. Albert often get snowed over, making driving risky. Driving on snowy roads without snow tires can increase your insurance premiums. Consider getting all-perils insurance to insure yourself against most dangers in St. Albert.
Here are a few facts about the driving conditions in St. Albert:
- Average daily commute time: X
- Average annual rainfall: 338 mm
- Average annual snowfall: 539 mm
- Rainy days per year: 123 days
- Rainiest month in St. Albert: July
- Driest months in St. Albert: January, December
- Snow days per year: 73 days
- Snowfall months in St. Albert: September – June
Traffic in St. Albert
Many St. Albert residents work within the city, but many others commute to Edmonton to work. St. Albert Trail is the busiest thoroughfare in St. Albert, and a majority of traffic incidents happen at intersections throughout St. Albert Trail.
Here are some facts about the traffic conditions in St. Albert:
- Population: 63,232 people live within St. Albert’s city limits.
- City area: St. Albert’s city limits span 47.84 km2.
- Average commute distance: The average St. Albert resident travels x km every day to their school or workplace.
- Busiest highways: St. Albert’s busiest road is St. Albert Trail.
- Average number of collisions: St. Albert sees 343 collisions a year.
The Most Common Questions About Car Insurance in St. Albert
How much does St. Albert car insurance cost?
St. Albert car insurance costs an average of $2,210 per year.
Is car insurance cheaper in St. Albert than Calgary?
Yes, car insurance in St. Albert is cheaper than in Calgary. The average annual car insurance rate in St. Albert is $2,210 while in Calgary, it’s $2,582.
What is the grid rating system in St. Albert all about?
The grid rating system in St. Albert determines the maximum insurance rates that companies are allowed to charge drivers. St. Albert car insurance companies are required to compare a driver’s projected insurance rate against the grid rate and charge the lower amount.
How you can get cheaper car insurance in St. Albert?
Compare car insurance rates in St. Albert with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.