Drivers

Welcome to the redesigned Automobile Insurance Rate Board (AIRB) website. The goals were for a better look, easier navigation and to offer a useful resource to a wider audience. We hope these efforts will make your visit both more enjoyable and more informative. You are welcome to Contact Us with any suggestions of information you would like to see added.

Alberta's Automobile Insurance System

Alberta has a private delivery system for automobile insurance. This Drivers section provides information relating to the purchase of coverage including the ways to access coverage and the types of coverage available. There are links to the websites of a number of insurance providers that write automobile insurance in Alberta.

Role of the AIRB

The primary role of the Automobile Insurance Rate Board in this process is to regulate premium levels for basic coverage, that is, third party liability limits of $200,000 to $2,000,000 and accident benefits. The board also monitors additional coverage. (See Getting Insurance for descriptions of coverage.)

Each year, the AIRB conducts an Industry-wide Adjustment process to set any allowable percentage change for individual insurers' rating programs. That same adjustment applies to premium level for basic coverage under the grid rating program. (Consumers can use our grid rate calculator to help determine their premium. However, because the premium grid sets the maximum chargeable premium for basic coverage, most drivers – about 90% - do not pay these premiums.) There is a more complete description of the mandate under Industry.

One member of the AIRB is appointed to the role of consumer representative. Their role is to solicit feedback on the public’s experience with obtaining insurance, that is, whether they encountered any problems purchasing insurance and whether the premium seemed appropriate for their experience and driving history. The report is presented annually during the industry-wide review; the document is available under Industry-wide Adjustment. The consumer representative can be contacted by e-mail at airb@gov.ab.ca.

Consumers who have questions about how the automobile insurance system operates or concerns with their experience obtaining coverage or resolving a claim should contact their broker, or call the Office of the Superintendent of Insurance at 780-427-8322. To call toll-free within Alberta dial 310-0000 then 780-427-8322.