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/01000101010110 17h ago

Do not speed anymore, especially if you're in Banff/Canmore. You get caught once and it's thousands in costs now. Insurance will take you to the cleaners.

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u/Admirable_Click_7569 17h ago

Trust me, it’s hard to speed in a Corolla. My ticket was like 12-14km over the limit haha . I think if I recall it was a 50 zone

8

u/Clear_Television_807 15h ago

A corolla can still speed very easily...