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PC Insurance

PC auto insurance has you covered in Edmonton.

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The benefits of

PC auto insurance

Edmonton is a wonderful place to live, but driving in the city can be difficult– motorists are aggressive, distracted driving continues, and the winters can be extremely harsh. With these challenges, you want to know that your car insurance policy has you covered.

As a car insurance broker, PC insurance shops at up to eight car insurance companies to ensure you receive the best rates and coverage options that we can get for your situation. And we are available 24/7 to help you with any claims.

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Plus, we reward you for every dollar you spend with a PC Financial Mastercard®.

When you pay your PC insurance premium with your PC Financial Mastercard®, you earn 2X the regular PC Optimum points – redeemable for free groceries, fashion and more at participating stores. Minimum redemption is 10,000 PC Optimum points (worth $10 in free rewards).

Visit for details and full store list.

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PC insurance ensures you get the best available rates they can find in Edmonton.

At PC insurance, we’re insurance brokers — we search on your behalf for the coverage that’s best for you so you don’t have to. We consult with up to eight insurance companies in Edmonton to bring you the best available rates we can get and coverage options for your situation.

Which car insurance companies does PC insurance work with in ?

Aviva insuranceTravellers insurancePembridge insuranceIntact insuranceZenith insuranceEconomical insurancePafco insurance

What factors affect the cost of car insurance in Edmonton?

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Vehicle make and model

SUVs and trucks tend to be very popular in Edmonton, but due to the replacement cost and the cost of repairs on these types of vehicles, they are usually more expensive to insure than sedans or compacts. This doesn’t mean that car drivers will automatically get a better rate than truck drivers however if you drive an expensive luxury car that costs a fortune to repair that will be reflected in your auto insurance premiums.

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Postal code

Unfortunately, Edmonton can be a more expensive city to insure a car. Factors like population density (which leads to more cars on the road and more accidents), high frequency of insurance claims, and year-over-year increases in car thefts mean that Edmonton residents could have to pay higher premiums.

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Driver’s age

Older drivers who have shown a history of good driving habits can generally expect to pay less for insurance than younger, less experienced drivers.

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Driving behaviour

Simply put, the more you use your car, the higher the chance you’ll be in a collision – and the more you will pay for insurance. Drivers who use their car for their daily commute to downtown Edmonton are likely to pay a higher annual premium than drivers who use their vehicle only occasionally.

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Claims history

Past claims activity tends to be a good indicator of future claims activity – if you have a history of making auto insurance claims, you may end up paying a higher premium.

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Who sets car insurance rates in Edmonton?

Auto insurance rates in Edmonton are set by the Alberta government under the jurisdiction of two governing bodies: the Automobile Insurance Rate Board (AIRB) and the Office of the Superintendent of Insurance. The AIRB works to regulate insurer rating programs for private passenger and commercial vehicles while the Office of the Superintendent of Insurance regulates and creates policy for the Alberta insurance market.

Is car insurance mandatory in Edmonton?

Every car on the road in Canada must be covered by the minimum amount of required insurance coverage. The penalties for driving without insurance in Edmonton are steep: a fine of up to $10,000 for the first offense and a maximum fine of $20,000 for a second offense. Failure to pay these fees can result in jail time of anywhere from 60 days to six months.

What can I do to lower my car insurance premiums in Edmonton?

Install an anti-theft device

With instances of car theft increasing every year in Edmonton, any steps that you take to make your vehicle more difficult to steal will not only make it harder to steal your car but may also save you some money on car insurance.

Winter tire savings

Winter driving in Edmonton can be a challenge for even the most experienced drivers. Blowing snow and icy roads can make for treacherous driving, so preparation is important. Not only will installing winter tires make it easier to maintain traction (even for 4x4 vehicles), but your insurance company may give you a discount for taking the extra initiative to keep yourself and your vehicle safe.

Bundle insurance policies

One of the easiest ways to save money on insurance costs is to bundle home and auto insurance policies. When you combine auto and home insurance policies with PC insurance, you can save up to 15% with the same company.

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Why is insurance more expensive in Edmonton than the rest of Alberta?

The simple answer is frequency of claims. The population of Edmonton is very dense, which results in more cars on the road and subsequently more collisions and insurance claims. This, along with the growing frequency of vehicle theft results in higher insurance premiums for Edmonton residents.

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What does my car insurance policy cover?

The perils (also called risks) that your auto insurance policy covers depend on the type of coverage that you select. All vehicles in Edmonton require Third Party Liability coverage (which covers you from lawsuits as a result of a collision where you are found to be at-fault) and Accident Benefits coverage (which covers medical costs related to injuries sustained in an accident) but there are additional coverage options available that will cover everything from theft, fire, and vandalism to run-ins with uninsured drivers. Be warned though, the more coverage you choose, the higher your premiums so be sure to talk to your PC insurance broker about what amount of coverage best suits your needs and concerns.

What types of car insurance coverage does PC insurance offer in Edmonton?

  • Third party liability

    If you are found to be at-fault for an accident in which another motorist is injured, third party liability covers you in the event that you are sued. This coverage will only pay out to the maximum of your policy, so if the amount of the settlement exceeds the value of your coverage, you will be on the hook for the difference.

  • Accident benefits

    If you are injured in a car accident, accident benefits coverage will cover your medical costs up to the value laid out in your policy.

    These four types of car insurance are optional additions from PC insurance:

    Comprehensive: Comprehensive coverage is the broadest type of auto insurance coverage and provides coverage against perils that are typically not covered in a standard auto insurance policy, such as fire, theft, and vandalism.

    Collision & Upset: Any damage that your vehicle may sustain in an impact, whether with another vehicle, a guard rail or a roll-over would be covered by collision or upset coverage.

    Direct compensation damage: If you are found to be not at fault or only partially at fault for a motor vehicle accident, direct compensation damage coverage will cover the costs of repairing your vehicle up to the limit set out in your policy.

    Uninsured motorist: Hit-and-runs are an unfortunate reality of driving, as are run-ins with motorists without insurance. In the event that you are involved in one of these situation, uninsured motorist coverage will provide coverage.