Alberta: Rates Jumped 22.6% in 2026 – Here’s Why
Alberta’s private insurers paid out 8% more in claims than they collected in 2024. Hail storms + theft + inflation caused the 22.6% spike.
Edmonton and Calgary drivers: You’re paying $2,400+ per year. The government capped increases at 5% for 2027, but you can save now.
3 ways to save in Alberta:
- Grid rating discount: Clean 6-year record = Step 0 = 45% off base rate
- Winter tire discount: 5% with Intact, TD, Aviva
- Shop every renewal: Rates vary 60% between insurers