Explore the Grid
The grid rating program was developed to establish the maximum rate that insurance companies can charge for basic coverage third-party liability (bodily injury & property damage tort), accident benefits, and direct compensation property damage (DCPD). Insurance companies must compare a driver’s rate under their current rating program to a driver’s rate calculated by the grid and charge the lesser of the two rates.
Stats and facts
Alberta's Grid System
To protect Albertans, the AIRB sets the maximum price insurers can charge for mandatory coverage, called the Grid premium. Insurers are required to charge the lower of their premium and the Grid premium. There is no cap on optional coverages.
Grid Base Premium – Basic Coverage
REPEALED: The AIRB must annually review the base premiums for the Grid Rate for basic coverage and post the adjusted base premium table before October 1 for implementation on January 1 of the following calendar year.
2024 Discussion on Grid Rating System Reform
Proposed changes to the Grid to return it to its original intent, of protecting inexperienced drivers.
Establish Initial Grid Step Placement
To be used as a quick reference for establishing the initial Grid step placement – more information may be required to provide an accurate Grid premium calculation.
Frequently Asked Questions (Care-First Filings & Repeal of Grid)
Frequently asked questions about Care-First filings and the repeal of Grid.
05-2026 Bulletin: Communication to Policyholders on Care-First & Repeal of the Grid
Advise all automobile insurers of the communication requirements related to premium changes due to the implementation of Care-first and repeal of the Grid rating system.