Quote data from MyChoice.ca, November 2024
The Best Car Insurance Brokerages in Airdrie
If you don’t have the time to compare car insurance quotes, a brokerage can do it for you, below are some of the top brokerages in Airdrie:
| Brokerage | Address | Phone number |
|---|---|---|
| A-WIN Insurance Ltd | 2903 Kingsview Blvd SE #203 Airdrie, AB T4A 0C4, Canada | +14039458885 |
| BrokerLink | 128 Edmonton Trail SE #2 Airdrie, AB T4B 1S2, Canada | +14039487327 |
| Airdrie Family First Insurance | 132 1 Ave NW Suite 101 Airdrie, AB T4B 3H4, Canada | +14039807456 |
Most Expensive Postal Codes in Airdrie
The average cost of car insurance in Airdrie, Alberta, is $1,463. T3B is the most expensive postal code for purchasing car insurance in Airdrie, and here’s a price breakdown:
| Postal Code | Average Annual Car Insurance Rate |
|---|---|
| T4B | $1,495 |
Quote data from MyChoice.ca, November 2024
Least Expensive Postal Codes in Airdrie
By comparison, T4A is the least expensive postal code for car insurance in Airdrie, and here’s a price breakdown:
| Postal Code | Average Annual Car Insurance Rate |
|---|---|
| T4A | $1,389 |
Quote data from MyChoice.ca, November 2024
Car Insurance Cost in Airdrie by Age
Younger drivers statistically experience the most accidents, so student drivers can expect to pay high insurance premiums. Fortunately, there are ways for younger drivers to lower their rates, including taking defensive driving courses, looking up student discounts, or applying as a secondary driver on a parent’s existing policy.
While car insurance rates drop by 25, they tend to rise again for senior drivers, who are more likely to sustain severe injuries during an accident.
Below is a closer look at how your age might affect your insurance premiums in Airdrie:
| Age group | Average Annual Car Insurance Rate | Annual savings with MyChoice |
|---|---|---|
| 18-20 | $5,222 | $1,038 |
| 21-24 | $2,984 | $594 |
| 25-34 | $1,989 | $395 |
| 35-44 | $1,463 | $291 |
| 45-54 | $1,199 | $238 |
| 55-64 | $1,019 | $203 |
| 65+ | $1,162 | $231 |
Quote data from MyChoice.ca, November 2024
Car Insurance Cost in Airdrie by Driving History
Like age, driving history can significantly influence car insurance rates. While it isn’t impossible to get reasonable rates with a bad driving history, expect them to be considerably higher.
In Airdrie, traffic tickets stay on your record for two years, after which the demerit points will no longer exist. That said, some insurers may look as far back as 10 years to determine your rates.
Various driving violations may affect your rates differently. Take a closer look below:
| Driving violation | Average Annual Car Insurance Rate |
|---|---|
| Clean driving record | $1,463 |
| Insurance cancellation due to non-payment | $2,399 |
| Licence suspension for alcohol-related offences | $1,755 |
| One accident | $3,218 |
| Speeding ticket | $1,901 |
Quote data from MyChoice.ca, November 2024
Driving in Airdrie
While primarily a commuter town, Airdrie sees roughly 50,000 drivers pass through each day. In addition, Airdrie gets moderate to heavy traffic, being only 15 minutes from Calgary International Airport.
Here are a few key facts to keep in mind when driving in Airdrie:
- Major highways: Queen Elizabeth Highway II, Highway 567, Highway 2
- Public transit options: Airdrie Transit (bus)
- Ridesharing services: Uber, Lyft, Ola, Didi
- Parking space providers: City of Airdrie, JustPark, private lots
- Top tourist attractions: Iron Horse Park, Fitzsimmons Brewing Company, Nose Creek Valley Museum, Muk-Luk Magpies Stained Glass Emporium
- Busy intersections: CANAMEX Highway, Bill Hill Springs Road (Highway 567)
- Airports: Calgary International Airport
Main Mode of Commuting in Airdrie
Cars, trucks, and vans are by far the most popular commuting method in Airdrie. Interestingly, the second-most popular method of commuting for Airdrie residents are other methods, beating out walking, cycling, and public transit. Here’s a closer look at how Airdrie residents commute:
| Main mode of commuting | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 28,990 | 100.0 |
| Car, truck or van | 26,645 | 91.9% |
| Car, truck or van – as a driver | 25,290 | 87.2% |
| Car, truck or van – as a passenger | 1,360 | 4.7% |
| Public transit | 390 | 1.3% |
| Walked | 810 | 2.8% |
| Bicycle | 125 | 0.4% |
| Other method | 1,015 | 3.5% |
Commuting Duration in Airdrie
Airdrie commuters have vastly varying commute times. Most of the city’s commuters travel up to 44 minutes to get to work, but some outliers can take more than 45 minutes. Here’s more detailed information about commuting times in Airdrie:
| Commuting duration | Counts | Rates |
|---|---|---|
| Total – 25% Sample Size | 28,990 | 100.0 |
| Less than 15 minutes | 8,460 | 29.2% |
| 15 to 29 minutes | 8,780 | 30.3% |
| 30 to 44 minutes | 8,175 | 28.2% |
| 45 to 59 minutes | 2,160 | 7.5% |
| 60 minutes and over | 1,415 | 4.9% |
Driving Conditions in Airdrie
While summers in Airdrie make for comfortable driving, winters can get snowy and cloudy, posing a challenge for drivers who aren’t used to this weather. Many experienced drivers purchase winter tires to withstand challenging conditions.
Depending on when you visit Airdrie, take note of these driving conditions:
- Average daily commute time: 45 – 60 minutes round trip
- Average annual rainfall: 14.64 mm
- Average annual snowfall: 780 mm
- Rainy days per year: 32 days
- Rainiest month in Airdrie: June
- Driest months in Airdrie: January
- Snow days per year: 31 days (sliding)
- Snowfall months in Airdrie: October – May
Traffic in Airdrie
Airdrie gets moderate to heavy traffic, especially on Yankee Valley Boulevard and Queen Elizabeth Highway II. Remember these traffic facts to better anticipate the conditions in Airdrie:
- Population: The population in Airdrie is 68,091.
- City area: The Airdrie city limits span 84.57 km2.
- Busiest highways: The busiest highways in Airdrie are Queen Elizabeth Highway II, Yankee Valley Boulevard, and Highway 567.
The Most Common Questions About Car Insurance in Airdrie
How much does Airdrie car insurance cost?
Airdrie car insurance costs an average of $1,454 a year or $121 per month.
Is car insurance cheaper in Airdrie than in Calgary?
No, car insurance is not cheaper in Airdrie than in Calgary, where the average rate is roughly $1,512 per year.
What is the grid rating system in Airdrie all about?
The grid rating system in Airdrie determines how much third-party liability coverage you should get depending on where you live. Drivers get grid level designations based on several factors, including existing claims and years of driving experience.
How can you get cheaper car insurance in Airdrie?
Compare car insurance rates in Airdrie with MyChoice, or visit our main car insurance page to learn other ways of getting cheap car insurance quotes.