Reports and Resources
Filters
Information on acts that govern the operation of auto insurance in Alberta.
Performance benchmarks developed through annual and semi-annual reviews.
Requirements and expectations for preparing full and file-and-use filings.
Formal publications including annual reports and special topic reports.
Reviews and reports assessing whether insurers have exceeded benchmark profit levels, based on submitted financial data and AIRB analysis.
Bi-annual consultations on industry benchmarks, including draft publications, stakeholder input, and final reports.
General communications that do not require action.
Provincial regulations that support and define the application of auto insurance legislation in Alberta.
Communications on issues that require action, change in practice, or future regulatory compliance.
Board-approved policies that guide AIRB’s governance, operations, and regulatory approach.
Formal directives requiring rate filings or communicating written regulatory decisions, including grid premium determinations.
Detailed guidance on technical requirements for full and file-and-use filings.
Rolling three-year plans outlining AIRB’s priorities, goals, and strategic direction.
Bi-annual data and insights on market performance for passenger and commercial vehicles.
Visual documents that explain key industry issues.
Resource List
Shopping the Market Worksheet
Offers a place to record the information an insurance company will generally need to accurately quote you a premium.
Rating Profiles Submissions
Collection & Reporting System (CARS) portal to submit rating profiles.
Fleet Confirmation Form
The AIRB may exempt insurers who write only fleet or garage experience rated risks from the filing requirements. The insurer requesting an exemption must submit the Fleet Confirmation Form through CARS and reconfirm the nature of its underwriting activity annually.
Public Agency Governance Policy
Find the Public Agency Governance Policy adopted by the Government of Alberta.
Other Insurance Regulations
See the other legislation, regulations, ministerial orders, and directives from the Minister of Finance and interprovincial agreements for insurance in Alberta.
Fair Practices Regulation
This regulation establishes a number of consumer protection measures dealing with a variety of insurance topics, including auto insurance.
Premiums Regulation
This regulation establishes the approval process for auto insurance rating programs, requires an annual review of auto insurance trends and premiums relating to basic and additional coverage for private passenger vehicles (PPVs), and establishes a ‘grid’ mechanism used to determine the base premium for basic coverage for PPVs.
Rate Board Fee Regulation
This regulation allows the cost of regulating auto insurance rates to be covered by insurance companies rather than by Alberta taxpayers.
Autonomous Vehicles
Autonomous vehicles can drive, steer, brake, and park themselves. GPS capabilities help them do all of these things. These vehicles also have advanced sensing systems that detect signs, signals, unexpected obstacles, and lane boundaries.
05-2026 Notice: Publishing of 2026-2029 Strategic Plan
Announce the publication of the Strategic Plan.
Insurance Act
The Insurance Act is the legislative framework for insurance operations in Alberta. It establishes the AIRB to regulate the auto insurance industry.
File and Use Filing Guidelines for the Implementation of Care-First
This Guideline is being published to share the known requirements with Insurers. The final filing guideline will be published following the completion of the final Care-First Actuarial Costing report.
2025 Annual Report
Under the Board’s direction, the AIRB prepared this report following section 601(1) of the Insurance Act, and it presents the AIRB’s activities, results, and performance.
04-2026 Bulletin: Care-First Benchmarks & Filing Guidance
Advise all automobile insurers, of the Care-First benchmarks and filing guidance for implementation filings applicable to all vehicle types.
Frequently Asked Questions (Care-First Filings & Repeal of Grid)
Frequently asked questions about Care-First filings and the repeal of Grid.
2026 Care-First Actuarial Costing Report - Final
Oliver, Wyman Limited's actuarial report on the Care-Fist reform costing.
03-2026 Bulletin: 2026 Semi-Annual Review Industry Benchmark Schedule - PPV
Advise all private passenger vehicle insurers the AIRB has concluded the Semi-Annual Review and approved the Industry Benchmarks Schedule.
Semi-Annual Review 2026
The AIRB has completed its 2021 Semi-annual Review process to analyze industry loss experience for PPV to establish industry benchmarks to assess insurance companies’ PPV rate filings for basic and additional coverage.
Download All02-2026 Bulletin: Care-First Implementation Filing Guidance
Advise all automobile insurers of the known requirements for the Care-First Implementation Filing applicable to all vehicle types.
04-2026 Notice: Care-First Actuarial Costing Draft Report
Advise all interested parties the AIRB has commenced consultation on the Care-First Actuarial Costing Draft Report.