How Can You Get Cheap Car Insurance in St. Albert?
You can get lower premiums and cheap car insurance in St. Albert by finding the best policy deals and lowering your risk profile. Here are several ways to get cheap St. Albert auto insurance:
Who Provides Car Insurance Quotes in St. Albert?
Insurance agents, brokers, aggregators, and direct writers provide car insurance quotes in St. Albert. What are the differences, and what does each offer? Here’s a closer look at the four insurance provider types:
How Does Car Insurance Work in St. Albert?
Car insurance in St. Albert 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 St. Albert.
Auto insurance coverage in St. Albert is split into two types:
- Mandatory: You need mandatory coverage to drive legally.
- Optional: Optional coverage provides extra protection in specific situations.
How Your Car Insurance Quotes Are Calculated in St. Albert
Your St. Albert 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 St. Albert car insurance quotes:
Most Expensive Postal Codes in St. Albert
The city of St. Albert has an average annual car insurance rate of $1,489, over $200/year more than the average car insurance rate in Alberta, which is around $1,211. This makes St. Albert one of the most expensive places in Alberta to get car insurance, with Edmonton being the most expensive city.
Since T8N is the only postal code in St. Albert, it’s by default the most expensive area for auto insurance in the city. Here’s a look at auto insurance prices in T8N:
| Postal Code | Average Annual Car Insurance Premium |
|---|---|
| T8N | $1,489 |
Least Expensive Postal Codes in St. Albert
Since St. Albert only has one postal code, there aren’t any areas where auto insurance rates are under the city average.
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 cost | Annual savings with My Choice |
|---|---|---|
| 18-20 | $5,316 | $1,057 |
| 21-24 | $3,038 | $604 |
| 25-34 | $2,025 | $403 |
| 35-44 | $1,489 | $296 |
| 45-54 | $1,221 | $243 |
| 55-64 | $1,038 | $206 |
| 65+ | $1,183 | $235 |
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 rate |
|---|---|
| Clean driving record | $1,489 |
| Insurance cancellation due to non-payment | $2,442 |
| Licence suspension for alcohol-related offences | $1,784 |
| One accident | $3,282 |
| Speeding ticket | $1,939 |
Other Factors That Affect Car Insurance Prices in St. Albert
Many factors influence your St. Albert car insurance rates. In addition to the ones we covered previously, here are other criteria that may increase or decrease your premiums:
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
Is ridesharing insurance available in St. Albert?
Yes, ridesharing insurance is available in St. Albert. However, not all insurance companies offer ridesharing insurance. Shop around for an auto insurance company that offers ridesharing insurance for your car.
How much does St. Albert car insurance cost?
St. Albert car insurance costs an average of $1,489 per year. This is higher than the average annual premiums in Alberta by more than $250.
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 $1,489, while in Calgary, it’s $2,052.
Which cars get the lowest car insurance premiums in St. Albert?
The cars that get the lowest insurance premiums in St. Albert generally are common makes and models, like Fiats, Subarus, and Hondas. Buying used cars also sometimes allows you to get a lower insurance rate depending on the condition of the car.
Why should you compare car insurance rates in St. Albert?
You should compare car insurance rates in St. Albert to get the best deal for the kind of coverage you need. You don’t want to overpay for insurance or pay for a plan that doesn’t cover what you need.
Use MyChoice to compare rates and coverage options from car insurance companies in St. Albert!
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.