About ClearRate Calgary
Democratizing car insurance transparency for Calgary drivers
Our Core Vision
ClearRate Calgary was born out of frustration with the "black box" of auto insurance pricing. By crowdsourcing actual premiums, we provide the localized intelligence you need to stop overpaying.
Community Powered
Every single rate on the platform is submitted by real Calgary drivers. We leverage this collective data to bring transparency to the market and partner with verified local experts to help you beat the average.
Privacy First
We intentionally avoid collecting identifying details like your name, exact address, or driver's licence number. Your identity remains protected, and you retain total control over who competes for your business.
How It Works
Give a rate to get full access. Sharing your current annual premium anonymously unlocks detailed neighborhood statistics, the Heat Map, and our AI Rate Analyst tool.
Calgary Focused
Auto insurance rates vary heavily by location. We map data at the FSA (first three letters of postal code) level to give you localized, neighborhood-specific comparisons.
The Problem: The Insurance Black Box
For years, auto insurance premiums in Alberta have felt like a guessing game. Two drivers with identical vehicles, clean records, and living just blocks apart can face hundreds of dollars in premium differences. Without clear market comparisons, it's impossible to know if your renewal quote is competitive or if you are overpaying.
Our Solution: Crowdsourced Transparency
We believe that sharing rate information benefits everyone. ClearRate Calgary aggregates individual rate reports to generate localized benchmark averages, premium distribution graphs, and AI-driven recommendations. This information equips drivers with clear facts when negotiating renewals or comparing new quotes.
Who Built This?
ClearRate Calgary is a civic tech project built by Calgary-based software developers and consumer advocates. Our platform operates as a community utility that partners with verified local experts to bring transparency and help Calgary drivers find competitive rates.
Keep in Mind
While we apply strict anomaly filtering to keep data clean and accurate, all rates displayed are crowdsourced and for informational purposes only. ClearRate is not a licensed insurance agency. Always speak to a licensed insurance representative or broker to get official quotes before making purchasing decisions.
Contact Our Team
Have feedback, need support, or want to report a bug? Submit your inquiry using the secure form below.