Car insurance in Edmonton, 2026

Edmonton car insurance in numbers

No one publishes an official average quote for Edmonton. The closest thing is the Alberta Automobile Insurance Rate Board's (AIRB) premiums and claims tool, which shows what insurers collected and paid out per policy in each community and postal area. We read it on Oct. 7, 2026. Its figures are five-year weighted averages for 2021 to 2025, across all coverages.¹

1. Average premium per policy, 2021 to 2025

   Edmonton pays 12.5% more than Alberta

   Insurers collected $1,914 per policy in Edmonton, against $1,701 across Alberta and $1,890 in Calgary. The gap with Alberta is our calculation.¹ Edmonton drivers claimed less often than Calgary drivers, 9.71 times per 100 vehicles against 10.31, but each claim cost more: $16,075 on average, against $14,676 in Calgary.¹

   $1,914AIRB five-year average per policy
2. Car theft, 2025

   A higher theft rate than Calgary's

   The Edmonton Police Service recorded 4,311 motor vehicle thefts in 2025, or 348 per 100,000 people, in Statistics Canada's police-reported figures. Calgary's rate was 250 and Alberta's 317. Edmonton's rate fell 15% from 2024.²

   348vehicle thefts per 100,000 people, 2025
3. 2026 renewals

   Most insurers got about 12.5%. AMA got 4.45%.

   For 2026 the province let insurers raise overall rates by up to 12.5%, and most big insurers filed at or just under that. The AIRB approved 4.45% for AMA's insurer from July 1, 2026.^3,4 Good drivers are protected from more than 7.5% at renewal with their current insurer.⁵

   +4.45%AMA's approved 2026 increase

What car insurance costs in Edmonton and nearby

The AIRB's community table lets you set Edmonton against Calgary and the towns around it. Premium is what insurers collected per policy, not a quote, and it reflects the mix of drivers and cars in each place as well as the address.¹

AIRB five-year weighted averages, 2021 to 2025, all coverages, read from its premiums and claims tool on Oct. 7, 2026.¹ For a side-by-side on housing, jobs and weather, see our Calgary vs Edmonton guide; for Calgary's postal areas and hail, see car insurance in Calgary.

Every suburb and nearby town in the table paid less on average than Edmonton. St. Albert drivers paid $1,680, about 12% less, and drivers in Leduc, Fort Saskatchewan and Spruce Grove paid about $1,500, roughly 21% less, by our calculation.¹ The claims columns show why: drivers in the other towns we show claimed between 5.5 and 6.8 times per 100 vehicles, against 9.71 in Edmonton.¹ The AIRB's 2024 loss ratios point the same way. Insurers paid out 100.0% of Edmonton premiums in claims, against 68.0% in St. Albert, 72.2% in Sherwood Park and 69.0% in Stony Plain.⁶

One set of numbers in the tool doesn't fit. For Sherwood Park it shows 20.05 claims per 100 vehicles and claim costs of 330% of premiums, which comes from one postal area, T8A, at 722%. The other two Sherwood Park areas we checked, T8B and T8H, came in at 54% and 51%.¹ The tool gives no explanation, and the AIRB's own 2024 loss ratio for Sherwood Park was 72.2%, so we show only Sherwood Park's premium.⁶

Your postal code: which parts of Edmonton pay most

Insurers price by rating territory, and each insurer defines its own territories.^7,8 We looked up 38 Edmonton forward sortation areas (FSAs), the first three characters of a postal code, in the AIRB tool: every T5 and T6 area that returned data. The highest five-year average premium, $2,313 in T5J, was 39% above the lowest, $1,664 in T6B, by our calculation.¹

Average premium per policy, 38 Edmonton postal areas

AIRB five-year weighted averages, 2021 to 2025, all coverages. "Claims" is the AIRB's ratio of claim costs to premiums. Place names are the two FSAs named in the AIRB's 2025 report. Dashed line: Alberta average, $1,701. Green: lowest of the 38.

• All of EdmontonAIRB community average$1,914
• T5Jclaims 80% of premium$2,313
• T5Hclaims 115% of premium$2,209
• T6TTamarack · claims 87%$2,152
• T6Nclaims 56% of premium$2,059
• T5Gclaims 93% of premium$2,049
• T6Xclaims 81% of premium$2,036
• T5Kclaims 73% of premium$2,026
• T5Yclaims 89% of premium$1,992
• T5Vclaims 59% of premium$1,989
• T6Wclaims 79% of premium$1,984
• T5Aclaims 92% of premium$1,951
• T5Bclaims 108% of premium$1,951
• T6Gclaims 58% of premium$1,947
• T5Eclaims 106% of premium$1,944
• T5Cclaims 115% of premium$1,936
• T5Pclaims 87% of premium$1,924
• T5ZEaux Claires · claims 93%$1,901
• T5Xclaims 102% of premium$1,899
• T5Tclaims 71% of premium$1,896
• T5Sclaims 73% of premium$1,895
• T6Vclaims 89% of premium$1,892
• T5Lclaims 86% of premium$1,882
• T5Mclaims 92% of premium$1,882
• T6Mclaims 72% of premium$1,876
• T6Lclaims 80% of premium$1,864
• T5Nclaims 72% of premium$1,862
• T5Wclaims 88% of premium$1,831
• T6Kclaims 77% of premium$1,828
• T6Eclaims 75% of premium$1,822
• T6Hclaims 64% of premium$1,810
• T5Rclaims 67% of premium$1,794
• T6Jclaims 70% of premium$1,787
• T6Pclaims 74% of premium$1,781
• T6Sclaims 45% of premium$1,780
• T6Rclaims 71% of premium$1,779
• T6Cclaims 65% of premium$1,722
• T6Aclaims 61% of premium$1,673
• T6Bclaims 69% of premium$1,664

$0$1k$2k

In five of the 38 areas, T5B, T5C, T5E, T5H and T5X, insurers paid out more in claims than they collected over the five years. The lowest ratio was in T6S, at 45%.¹ The AIRB's 2025 report, looking at 2019 to 2023, named T5Z (Eaux Claires) and T6T (Tamarack) among Edmonton areas with loss ratios above 120%. It added that, unlike Calgary, Edmonton does not appear to have a geographic concentration of high loss ratio areas, as expected without a large weather event.⁶

An area's average mixes everyone who lives there: their ages, records and cars. It tells you which way your address pushes the price, not what you will pay. Moving across the city can also take you outside the good driver cap if your insurer rates the new area as higher risk.^1,8

Car theft and break-ins in Edmonton

Theft is paid under comprehensive coverage, which covers damage from events other than collisions and usually has a deductible.⁹ Statistics Canada publishes police-reported crime for each police service, so Edmonton has its own numbers. In 2025 the Edmonton Police Service (EPS) recorded 4,311 motor vehicle thefts, down from 4,916 in 2024. Per 100,000 people, Edmonton's rate was 348, against 250 in Calgary, 317 across Alberta, 203 in St. Albert and 151 for Strathcona's municipal RCMP.² By our calculation, Edmonton's rate was 39% higher than Calgary's, and Edmonton recorded 27% of Alberta's vehicle thefts.²

Break-ins are a separate problem. The EPS says thefts of $5,000 or under from motor vehicles rose 17% in 2025.¹⁰ At the end of August 2026 it reported about 126 vehicle break-ins in its West Branch and 161 in its Downtown Branch over 30 days, and it reminded drivers that it hands out free anti-theft bolts for licence plates at any police station.¹¹

Province-wide, Équité Association, the insurance industry's anti-crime body, counted a 14% drop in Alberta auto thefts in 2025 and a further 15.1% drop in the first half of 2026. Fewer stolen cars come back: Alberta's recovery rate fell from 78% in 2022 to 71% in 2025.^12,13 Pickups dominate Alberta's most-stolen list, which the 1997 to 2007 Ford F350 topped with 220 thefts in 2024.¹⁴ If you drive a pickup, ask insurers whether they require or discount an approved anti-theft device.

Winter crashes

The City of Edmonton publishes reported collisions by month. From 2019 to 2023, December, January and February accounted for 31,698 of 95,311 reported collisions, a third of the total. December alone had 10,687, about twice April's 5,208, by our count.¹⁵ The city cautions that since collision reporting centres opened in September 2022, the reports it receives differ in consistency and accuracy from the data the EPS used to provide.¹⁵

At-fault crashes are what move your own premium. One at-fault claim in the past six years takes you outside the good driver cap.⁵ Damage to your own car from a collision is paid under collision coverage, which usually has a deductible.⁹ Alberta doesn't require winter tires.¹⁶ AMA gives a discount for them, but TD, Edmonton's largest insurer, says its winter tire discount applies in Ontario and Newfoundland only.^17,18,7

Who insures Edmonton drivers

TD wrote 23.4% of Edmonton's private passenger premiums in 2024, ahead of Intact at 19.5% and Desjardins at 11.0%, according to the AIRB's shares by territory. Across Calgary and Edmonton together, TD's share is 24.2%; in rural Alberta it is 8.2%.⁷ Millennium, which several r/Edmonton posters mentioned, has 3.1% of the Edmonton market. The table shows the rate changes the AIRB approved for each group's main Alberta company. The approvals apply province-wide, so they are the same for Edmonton renewals.^7,4

Edmonton share is each group's share of 2024 private passenger premiums in the AIRB's Edmonton territory, from the chart in its 2026 mid-year report.⁷ Approved changes apply at renewal from the date shown.⁴ The combined column compounds every change the AIRB approved for each group's main company in 2025 and 2026; it is our calculation. Fines are those the Superintendent of Insurance listed after its 2022–24 examination of premiums charged above approved rates, summed by group by us.¹⁹ Our Alberta car insurance guide covers each insurer's ratings, apps and record in detail.

Since Sept. 14, 2026, the AIRB has not accepted new rate filings that would change overall premiums, and it expects to issue new filing guidelines by the end of 2026.²⁰ Over the 12 months to Sept. 30, 2026, the weighted average of approved increases was 11.83%.²¹

The rate cap, and what can break it

If you count as a good driver, your renewal with your current insurer can't rise more than 7.5% in 2026. For 2026 that means no at-fault claims in six years, no Criminal Code convictions in four, and no major or minor traffic convictions in three.^5,3

The cap stops protecting you if you move from a lower-risk to a higher-risk rating territory, as your insurer defines it, if you add a driver with a worse record, or if you get a new vehicle.⁸ A new insurer is not bound by your old price at all; it can quote you its full approved rates.^8,22 In the AIRB's survey early this year, 51% of Albertans said their premium rose unexpectedly even though they had no claims or convictions.²³

New to Canada, or new to driving

The AIRB says new Canadians often don't have their driving experience from abroad recognized when they first buy insurance here, because insurers have no easy and credible way to verify it. Some insurers accept history from certain countries or count a set number of years; it differs by insurer.²⁴ In the AIRB's sample profiles, a driver with no recognized experience was priced at $7,910 a year under the current system, and 25 more years of experience cut the premium by 51.5%.²⁴

Newer drivers may also be on the grid, which caps basic coverage prices for fewer than 10% of drivers, mostly newer ones. In 2026 the grid's base premium for $1 million in liability in the Edmonton and Calgary territory is $3,980, after a 20% increase.^25,26 The grid ends on Jan. 1, 2027 with no replacement, so grid-rated drivers should get quotes well before their first 2027 renewal.²⁵

What changes on Jan. 1, 2027

Alberta's Care-First system applies to every policy that renews on or after Jan. 1, 2027. Under the new Automobile Insurance Act you generally can't sue over injuries from a crash, with some exceptions.^27,28 Medical and rehabilitation benefits go from up to $50,000 over two years to no dollar limit for eligible expenses, for life.²⁹ The AIRB has approved Care-First rates that cut private vehicle premiums by 13.7% on average, about $297; about 88% of vehicles will pay less and 9.8% more.^30,31 For the AIRB's no-experience profile, the premium falls from $7,910 to $6,238, or 21.1%.²⁴

The government announced in May that a new limit will replace the good driver cap: an insurer's average increase can't exceed 5% a year, and no renewal can rise more than 10%.³²

What Edmonton drivers report

We reread the r/Edmonton threads in the Reddit collection behind our Alberta guide: 9 threads posted between Nov. 18, 2025 and Oct. 2, 2026. These are anecdotes from people who chose to post, not a survey, and we don't publish usernames. Four patterns stood out.

Staying put often beat switching

Several posters with clean records said quotes from new insurers came in far above their renewal, which fits how the good driver cap works: it limits your current insurer, not a new one.

The same insurer, cheapest for one driver and dearest for another

TD drew both praise and complaints in the same thread. That is what you would expect when each insurer weighs age, car, record and address its own way.

The neighbourhood shows up on the bill

Newcomers start near the top

A newcomer with 15 years of driving abroad said every insurer priced them like a new driver. A reply from someone who arrived a decade earlier said paperwork from their old insurer made a large difference.

How Edmonton drivers can pay less

• Price your renewal first. With the good driver cap, your current insurer can raise you at most 7.5% in 2026, while a new insurer can charge its full rate. Compare quotes against your renewal, not last year's bill.^5,8
• Get quotes from more than one channel. Insurers choose which brokerages can quote their products, so one broker won't see every price.⁷ Get quotes from a broker, from insurers that sell direct, and from any group plan you can join; APEGA, for one, offers its members The Personal's group rates.³⁴
• Get an AMA quote. You don't need a membership to buy AMA's car insurance, though members can save up to 20%. Its 2026 increase was the smallest of the large insurers.^35,4
• Bring proof of your record. If you drove abroad, ask each insurer which documents it accepts before you buy; the AIRB says practice differs by insurer.²⁴
• Ask about theft protection and your deductible. Theft lands under comprehensive. Get prices at more than one deductible, and ask whether an approved anti-theft device earns a discount or is required for your vehicle.⁹
• Pick a driving app that can't cost you. Allstate Drivewise offers up to 30% off and Allstate says your premium won't rise because of it.³⁶ belairdirect says risky drivers in automerit could see their premium go up, and Intact says your myDrive discount can change during the term.^37,38
• Know what your credit score can do. Insurers can't use it to price basic coverage. With your consent, they can use it for a discount on optional coverage, and a low score can't raise your premium.³⁹
• Ask about winter tires. AMA gives a discount for them; not every insurer does in Alberta.^17,18

Before you trust a "best" or "cheapest car insurance in Edmonton" list

No public survey ranks insurers for Edmonton drivers by name, and the AIRB's own 2026 consumer survey doesn't name companies.²³ Quote sites and brokers can only show prices from the insurers that let them quote, and the AIRB notes that insurers choose which brokerages can sell their products.⁷ The AIRB's community and postal area numbers are averages across everyone insured there; they tell you which way your address pushes the price, not what you will pay.¹

If you think an insurer charged you wrongly, ask it to recheck your rating, then contact the Superintendent of Insurance, which fined 21 insurers after its 2022–24 examination of premiums charged above approved rates.^40,19

Common questions

How we did this

We started with the AIRB. On Oct. 7, 2026 we read its premiums and claims tool: the full community table, 38 Edmonton FSAs and three Sherwood Park FSAs, one at a time, and recorded the five-year averages it showed. We then read the AIRB's 2025 and 2026 market reports for loss ratios and market shares, its list of approved rate filings, the good driver cap rules and the Care-First premium reports.^{1,6,7,22,4,30} Theft figures come from Statistics Canada's police-reported crime tables, the Edmonton Police Service and Équité Association; collision figures from the City of Edmonton's open data.^2,10,12,15

Driver accounts come from the r/Edmonton threads in the Reddit collection we built for our Alberta guide; we did not run a new search. The percentage gaps, the theft comparisons, the winter collision share, the combined rate changes and the fine totals are our calculations from the cited figures. No insurer paid for a mention, and this page has no affiliate links. We will update it when Care-First prices take effect.

The 9 r/Edmonton threads we read

• Insurance jumped up! 😟 r/Edmonton, Oct. 2, 2026
• Does shopping around for auto insurance really make a big difference? r/Edmonton, Sept. 18, 2026
• Good vehicle insurance provider? r/Edmonton, Sept. 17, 2026
• How much are you guys paying for car insurance? r/Edmonton, Aug. 10, 2026
• Car insurance recommendations? r/Edmonton, Aug. 1, 2026
• Auto insurance is getting crazy… r/Edmonton, July 18, 2026
• renewing insurance, and rates have skyrocketed :o r/Edmonton, July 2, 2026
• Surprised by Car Insurances. How much are you paying in 2026!? r/Edmonton, June 11, 2026
• Newcomer to Edmonton and Canada. Car insurance quotes are insane. r/Edmonton, Nov. 18, 2025

Related guides

• Best car insurance in Ontario, 2026Ontario car insurers compared on 2026 FSRA rate approvals, the latest customer survey, financial strength ratings and what drivers report after a claim.
• Car insurance in Toronto, 2026Car insurance in Toronto: the GTA average is $2,810 a year, about $234 a month. Why postal codes and car theft push prices up, and how to find a cheaper quote.
• Car insurance in Ontario cities, 2026Car insurance in Ottawa, Mississauga, Brampton, Markham, Vaughan, Oakville and Hamilton: what the regulator publishes, 2025 car theft rates and how to pay less.
• Best car insurance in Alberta, 2026Which Alberta car insurer is best in 2026? We checked every AIRB rate approval, regulator fines, ratings and the Care-First changes coming Jan. 1, 2027.
• Car insurance in Calgary, 2026What car insurance costs in Calgary by postal code, why NE Calgary pays more after hail, 2026 rate approvals, and how Calgary drivers find the cheapest quotes.
• Best home and tenant insurance in Ontario, 2026Ontario doesn't approve home insurance prices. We compared insurers on ratings, surveys and flood cover, and read what homeowners and renters say about claims.

Sources

Show all 40 sourcesHide sources

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Update log

• Oct. 7, 2026First published.