Alberta auto insurance rate approvals, by insurer

How to read this page

What AIRB actually approves

Alberta insurers file private passenger rate changes with the Automobile Insurance Rate Board. Most are "file and use" filings within the Board's limits; larger changes go through a full review. The approved figure is the insurer's overall average change across basic coverage (third-party liability and accident benefits) and additional coverage (collision, comprehensive and the rest) combined. Each filing carries two dates: when the new rates apply to new policies and when they apply to renewals. Alberta also caps what the Board may approve: in 2026 no insurer may be approved for more than a 12.5% average increase, and drivers who qualify for the Good Driver Rate Cap are limited to 7.5%, so the balance of an approved increase lands on the drivers who do not qualify.

Zero-percent filings

A 0% filing in Alberta is usually one of three things: a rating-rule change with no average premium impact, the implementation of a mandated cap or reform (the notes column says which), or a company with no written exposure filing to stay current. It is counted separately so it does not dilute the market direction.

Market weighting

A headline like "insurers approved for +6%" is meaningless if the insurer writes 0.3% of the province. We multiply every approved change by the underwriting company's share of Alberta private passenger premiums, as AIRB publishes it, and sum the results. The trailing-12-month figure per group compounds each company's filings in sequence, then weights the companies by share within the group. Periods are counted by the date rates apply to new policies, not by renewal date, so a filing that reaches renewals months later appears in the period it was cleared.

Groups and brands

AIRB publishes filings by underwriting company with no group field, so the grouping here is ours, by ownership, using the same short codes FSRA uses in Ontario so the two provinces line up: Security National, Primmum and TD Home and Auto are TD Insurance; Certas and The Personal are Desjardins; Belair is Intact; Pembridge is Allstate; Sonnet is Definity. The Alberta Motor Association and Peace Hills are Alberta-specific writers with no Ontario counterpart.

Basic versus additional coverage

Alberta approvals are published as three numbers: the change to basic coverage, the change to additional coverage, and the combined overall change. The tables lead with the combined figure because that is what an average policy pays. The filing register shows the split, which matters if you carry liability-only: your renewal tracks the basic figure, not the combined one.

Only three years of history

AIRB publishes approved filings for the past three years and removes older ones, so this tracker starts in 2023 and cannot show the earlier cycle. Ontario, by contrast, publishes everything since 2018.

Limits

This page tracks approved rate changes, not premiums paid. It says nothing about the starting price level of each insurer, only how that level has been permitted to move. A company that was expensive and cut 5% may still cost more than a company that was cheap and raised 3%. For the price level, use the Alberta car insurance page and the insurer reviews.

Source and refresh

Data: AIRB approved rate filings database, all published filings from 2023 to Sep 15, 2026, retrieved by script with no manual edits. Market share by company is from the same source (2026). The page is rebuilt from the refreshed data each quarter.