ClearRate Calgary
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FREE · COMMUNITY-POWERED · CALGARY, AB

Find out if you're overpaying for car insurance in Calgary. Real rates from real drivers.

Completely anonymous. See what your neighbours are actually paying and use it to negotiate a better rate.

ClearRate is a community transparency tool, not an insurance broker. We do not sell insurance or guarantee rates. All data is user-submitted.

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Rate Distribution Curve

Real-time Calgary premium spreads vs. provincial benchmarks

ClearRate Zone AIRB Market Average Overpaying Zone
Avg ClearRate*AIRB Alberta Avg†Market High
Lower Risk / Experienced DriversHigher Risk / New Drivers
*ClearRate Calgary community average for good drivers.†Sourced from the 2026 AIRB Mid-Year Market Report.
Active Submissions10+
Providers Compared2
Calgary Neighbourhoods1

Three steps to a better rate

1

Browse anonymously

View real premiums paid by Calgary drivers for your exact vehicle, coverage type, and driving history.

2

Compare local rates

Filter by neighbourhood, provider, and age group to see accurate comparables relevant to your situation.

3

Negotiate better

Armed with real local data, use this information as leverage when renewing or shopping for a new policy.

What the data looks like

Real, unfiltered comparables currently in our database.

$
2015 Toyota Corolla
Age 35-44Licensed 16 yrs
comprehensive
Coll: $0 / Comp: $0
Intact
T2K(Calgary)
Jul 2026
$3,330/yr
~$278/mo
2012 Buick Enclave CX AWD
Age 25-34Licensed N/A yrs
comprehensive
Coll: $0 / Comp: $0
Intact
T2Y(Calgary)
Jul 2026
$3,260/yr
~$272/mo
2020 Honda CR-V
Age 25-34Licensed 8 yrs
comprehensive
Coll: $500 / Comp: $500
Intact
T2M(Calgary)
Jun 2026
$5,995/yr
~$500/mo
2013 Toyota Rav4 AWD
Age N/ALicensed N/A yrs
comprehensive
Coll: $500 / Comp: $500
Intact
T2J(Calgary)
Jun 2026
$3,341/yr
~$278/mo
View 6+ more comparables

100% Anonymous. Always.

We only collect the data needed to make accurate comparisons. We never ask for identifying information.

  • Full Name
  • Social Insurance Number (SIN)
  • Exact Address or License Plate