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What is the Alberta "grid" system and how does it affect my rates in this province?

In October 2004, the Alberta government created a grid tool to set the maximum price on insurance premiums for the coverage you have to have. The grid system is made up of 3 steps that determine your premium:

Step 1 - determines your base premium

This grid looks at where you live (Edmonton, Calgary or anywhere else in Alberta) and on how much third party liability coverage you choose.

Step 2 - determines the premium for your compulsory coverage

Every insured driver gets a grid level designation based on their years of driving experience, and their at-fault accident claims.

Step 3 - factors in your driving record

This takes into account whether you've had any traffic or criminal code convictions in the past 3 years.

For more information on auto insurance in Alberta , please see Alberta government website - insurance information. Please note, we are not responsible for the privacy practices or the content of this website.

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