Request a Quote
or Find a Local Agent

Personal Automobile Insurance Package

Get an Auto Insurance Quote

For residents of Alberta, having many different choices for car insurance providers is a benefit, but it can also be challenging to find the price that works best for you. Comparing prices and coverage can be time consuming and frustrating.

We make it easy for you by comparing different rates and coverages, guiding you through the process every step of the way. Our brokers will advise you on the discounts that you could be eligible for, sometimes resulting in substantial cost savings on your annual premiums. Click here to get a quote.  

Auto Insurance in Alberta

All Alberta motorists must purchase auto insurance which includes the following key mandatory coverages:

1. Third Party Liability
If you cause an accident, this coverage protects you from claims by other motorists for their injuries and damage to their property. , With claims costs on the rise, purchasing limits of at least $1,000,000. is usual; we recommend purchasing higher limits which we can provide upon request.

2. Accident Benefits including Uninsured Motorist Protection
This coverage pays for three general categories:  

  • medical expenses such as rehabilitation, occupational therapy and hospital expenses
  • funeral expenses and death benefits as well as total disability and loss of income
  • uninsured motorists

Additional Coverage Options:

  • Own Damage – All Perils, Collision, Comprehensive, Specified Perils

This covers damage to your own vehicle depending on the option(s) you choose.

**(this loss of use is strictly for theft of the entire vehicle and I wouldn’t mention it here, may give the wrong idea). 

  • SEF 44 – Family Protection Endorsement

Although this is not a mandatory, we include this coverage in all our insurance packages.   This important endorsement responds in the event you are injured in a “not at fault” accident. If the responsible driver carries insufficient third party liability (TPL) limits to cover a court awarded injury settlement to you and, his TPL limit is lower than the TPL limit you carry on your vehicle, your policy can help.  Your policy will pay the difference between your limit and the responsible driver’s third party liability limit up to the maximum total paid as awarded by the court.  (subject to the terms and conditions of the endorsement). 

  • SEF 20 – Loss of Use

    This coverage allows you to rent a replacement vehicle if you are without a car due to an insured loss.  The additional cost of this valuable protection is nominal and coverage limits start from $900 per occurrence with higher limits available.

  • SEF 27 – Legal Liability for Damage to Non-owned Vehicles

    This endorsement provides you coverage for your legal responsibility for damage to a non owned vehicle.  This coverage is commonly used instead of purchasing coverage from a rental car company upon renting a private passenger vehicle for pleasure purposes.  Make sure you call your broker to discuss this endorsement and its limitations.

  • SEF 43 – Limited Waiver of Depreciation or SEF 18 – Replacement Cost


 “Limited Waiver of Depreciation (SEF 43R)” waives the application of depreciation to damage caused to your new vehicle for the first 24 to 30 months (depending on the insurance company) that you own the vehicle.  If destroyed or a “total loss”, this endorsement will pay the lower of the MSRP or the actual purchase price at the original date of purchase of the vehicle destroyed;


“Replacement Cost (SEF 18)” coverage for a new vehicle is offered by a few insurance companies.  It is generally a more expensive option as this endorsement will replace the destroyed vehicle with a new one with same (or similar if same is not available) specifications and equipment.  Your broker can help you decide which option is right for you. 


  • SEF 13D – Comprehensive Cover – Limited Glass Endorsement

    This limits coverage by removing insurance for claims such as rocks or other objects breaking your vehicle’s glass. This endorsement results in a reduced Comprehensive premium.

  • SEF 39 – Accident Rating Waiver

This optional enhancement protects your driving record from being downgraded as a result of a first “at-fault” loss, subject to certain provisions.  This means that your premium would not increase as a direct result of a first accident.  The Accident Rating Waiver is available for a low annual additional premium.


Auto Insurance Premiums


The overall cost of your vehicle insurance will depend on several factors including:

  • Your MVR (driver’s licence ticket history) and Autoplus (Insurance and claims history)
  • How long you’ve been licenced and where you live
  • How you use your vehicle and the type of vehicle you drive

Motor Home Insurance

Motorhomes, while needing most of the same coverages that are available for other vehicles on the road, have specific needs of their own.

For instance, car insurance does not cover the contents of a vehicle. A policy written specifically for motor homes includes some coverage for your contents.

One of our specialists can go over in detail what difference in coverage you need to be aware of when purchasing insurance for your motor home.

Frequently Asked Questions

  • Q: What are limits and deductibles?

  • Q: How do limits and deductibles impact my premium?

  • Q: Does my insurance policy cover someone else who drives my car?

  • Q: Will I automatically receive a replacement vehicle if my car is being repaired?

  • Q: What happens if I have an accident and need to make a claim?

  • Q: What does my auto insurance policy cover if personal items are stolen from my vehicle?

  • Q: What happens if I share the vehicle with my family member?

  • Q: How can I reduce my auto insurance premium?

  • Q: Does Westland Insurance insure other types of vehicles like motorcycles and motorhomes?

  • Q: What type of insurance does my newly licensed teenager need?

  • Q: Insuring in Alberta for the first time – what you need to know

  • Q: Do I have to list no-fault claims when I’m getting a quote?

  • Q: Will the annual mileage I do affect the price of my quote?

  • Q: What difference will it make to my quote if my car is kept on my driveway or in a garage?

  • Q: Will having modifications on my car change the price of my insurance premium?

  • Q: How do I make changes to my policy?

  • Q: Why is insurance so expensive for teenage and young drivers?

  • Q: I got a speeding ticket. Will it affect my insurance?

  • Q: Do I need extra insurance on my new car?

  • Q: Car insurance for electric vehicles?

  • Q: What is the minimum amount of insurance that is required to operate a private passenger motor vehicle?

  • Q: What do I do if I am involved in a motor vehicle accident?

  • Q: I’ve been driving for more than 15 years with no tickets and no claims. Will my rate jump significantly if I have an at-fault claim??

  • Q: If I lend my vehicle to someone and they have an accident, does it affect my insurance premiums?

  • Q: What is the difference in insurance if my vehicle is financed?

  • Q: Is there a fee for getting an insurance quote?

  • Q: What is “Collision” coverage?

  • Q: What is “Comprehensive” coverage?

  • Q: What is the average cost of Alberta Auto Insurance?

  • Q: Where can I purchase Alberta auto insurance?