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
01-2026 Bulletin: Launch of New Feature in the CARS
Advise all private passenger vehicle insurers operating in Alberta of the launch of a new feature in the Collection and Reporting System (CARS) applicable to all new rate filing submissions effective immediately.
Consumer Inquiries & Complaints
The AIRB receives, assesses, and responds to consumer inquiry/complaints in an impartial and timely manner consistent with its legislative mandate and public-sector standards of administrative fairness.
Review of Automobile Insurance Premiums & Trends
The AIRB conducts a transparent review of auto insurance in accordance with the legislation.
03-2026 Notice: New & Amended Policies
Advise all automobile insurers operating in Alberta of amended Policy P05 – Review of Automobile Insurance Premiums and Trends and the creation of Policy, P08 – Consumer Inquiries and Complaints
02-2026 Notice: Publishing of 2026 Mid-year Market & Trends Report
Announce the publication of the Mid-year Market and Trends Report.
01-2026 Notice: 2026 Semi-annual Review of Industry Experience - PPV
This review analyzes industry loss experience, for private passenger vehicles to establish Industry Benchmarks used in the review of insurers’ rate filings.
2025 Profit & Loss Template
This report is due May 1 annually, and requires data from the prior 5 accident and financial years.
2026-2027 Statement of Priorities
The Statement of Priorities document should be read in conjunction with the AIRB’s Strategic Plan. Outlines initiatives we plan to focus on. These initiatives align with the five priorities outlined in our Strategic Plan, which will further our work to progress the AIRB’s mandate, mission and vision.
2026-2029 Strategic Plan
Outlines the AIRB's strategic priorities in the context of the Government’s business and fiscal plans, the AIRB’s Mandate and Roles document, and the operating environment known at the time of approval. The AIRB is accountable for the preparation and achievement of strategies and objectives laid out in this strategic plan.
Technical Guidance – Changes in Rates & Rating Programs
Should be used by insurance companies when developing a filing that is to be submitted to the AIRB, including requirements previously issued under circulars or bulletins. The guidance applies to all classes of business unless otherwise indicated.
09-2025 Bulletin: 2025 Return of Excess Premiums Template
Advise all automobile insurers of updates to the template for reporting Return of Excess Premiums.
08-2025 Bulletin: Changes to the Auto Insurance Premiums Regulation
Advise all insurers about changes to the Automobile Insurance Premiums Regulation.
2025 Annual Market & Trends Report
Annual report provides an evidence-based assessment of conditions in Alberta’s private passenger vehicle auto insurance market, with a focus on affordability, accessibility, competition, and market sustainability.
Appendix D (Actuarial Support)
This section is required for all actuarial full filings. Provide adequate actuarial documentation and support for the rate levels including sufficient detail to enable the reviewer to trace the resulting rates from the raw data experience and other supporting data.
Frequently Asked Questions (Ministerial Order 38/2023)
Frequently asked questions about the 2024 Good Driver Rate Cap (Ministerial Order 38/2023)
Frequently Asked Questions (Ministerial Order 33/2025)
Frequently asked questions about the 2026 Good Driver Rate Cap (Ministerial Order 33/2025)
Filing Guidelines for Change in Rates & Rating Programs
These guidelines provide the requirements for prior approval and file and use filings, as well as methodological approach to be used by insurance companies in preparation for their filing.
07-2025 Bulletin: Updates to Filing Guidance
Advise all automobile insurers operating in Alberta of amendments to the filing guidelines.
01-2025 Order: 2025 Annual Grid Review
Adjustment to the Gride Base Premium Rates for Basic Coverage
06-2025 Bulletin: 2025 Annual Review Industry Benchmark Schedule - COM
Advise all commercial vehicle insurers the AIRB has concluded the Annual Review and approved the Industry Benchmarks Schedule.