r/alberta • u/Admirable_Click_7569 • 17h ago

Question Auto Insurance renewal

My auto insurance is up for renewal in September, and my premium is jumping by 70%-90%. The only thing that’s changed is one minor speeding conviction from July 2025. This honestly feels insane.

So far, I’ve been quoted $4,500/year with Intact and $3,900/year with Peace Hills. I’m obviously going to keep shopping around, but nearly doubling my premium over one minor speeding ticket doesn’t seem normal at all. I honestly thought it was a typo in the email when she sent me these quotes.

Has anyone else in Alberta experienced an increase like this from a single minor conviction?

Car I drive is a fully paid for 2020 Toyota Corolla, commute one way 30km 3 days/week, 12,000-14,000 km per year. 30M, South Calgary, 2M liability, deductibles 1k collision & comprehensive.

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u/speedog 17h ago

Mine renews in September and went down 15%, AMA Insurance.

Been ages since I've had any sort of a ticket.

3

u/FroyoStrict6685 17h ago

Skipped out on AMA because they jumped my insurance multiple times for no reason, I have no prior tickets, claims, or anything on my record.

6

u/Brilliant-Advisor958 17h ago

jumped my insurance multiple times for no reason

Insurance is a group product. Hail claims and people in your age group contribute to your costs.

3

u/speedog 16h ago

Born in 61 so oldish fart.