Reports and Resources
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Bi-annual consultations on industry benchmarks, including draft publications, stakeholder input, and final reports.
Performance benchmarks developed through annual and semi-annual reviews.
Communications on issues that require action, change in practice, or future regulatory compliance.
Rolling three-year plans outlining AIRB’s priorities, goals, and strategic direction.
Reviews and reports assessing whether insurers have exceeded benchmark profit levels, based on submitted financial data and AIRB analysis.
Requirements and expectations for preparing full and file-and-use filings.
Visual documents that explain key industry issues.
Information on acts that govern the operation of auto insurance in Alberta.
Bi-annual data and insights on market performance for passenger and commercial vehicles.
General communications that do not require action.
Formal directives requiring rate filings or communicating written regulatory decisions, including grid premium determinations.
Board-approved policies that guide AIRB’s governance, operations, and regulatory approach.
Provincial regulations that support and define the application of auto insurance legislation in Alberta.
Formal publications including annual reports and special topic reports.
Detailed guidance on technical requirements for full and file-and-use filings.
Resource List
12-2026 Notice: Mix of Business Proposals
The Automobile Insurance Rate Board (AIRB) is issuing this notice to advise all interested parties the AIRB is seeking written submissions from insurers regarding potential approaches to a mix of business adjustment for Accident Benefits for 2028 for all vehicle types.
06-2026 Bulletin: Phase Two - Rating Variables in Collection & Reporting System
The Automobile Insurance Rate Board (AIRB) is issuing this bulletin to advise all Commercial and Interurban 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.
2026 Market and 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.
11-2026 Notice: Publishing of 2026 Market and Trends Report
The AIRB is issuing this notice to announce the publication of the 2026 Market and Trends Report.
Annual Review 2026 (Motorcycles)
The AIRB’s 2026 Annual Review process analyzes industry loss experience for motorcycles to establish industry benchmarks to assess insurance companies’ motorcycle rate filings.
Download All10-2026 Notice: 2026 Annual Review of Industry Experience - Motorcycles
This review analyzes industry loss experience, for motorcycles to establish Industry Benchmarks used in the review of insurers’ rate filings.
Annual Review 2026 (COM)
The AIRB’s 2026 Annual Review process analyzes industry loss experience for commercial (COM) vehicles to establish industry benchmarks to assess insurance companies’ COM rate filings.
Download All09-2026 Notice: 2026 Annual Review of Industry Experience - COM
This review analyzes industry loss experience, for commercial vehicles to establish Industry Benchmarks used in the review of insurers’ rate filings.
08-2026 Notice: Collaboration on Centralized Industry Data
The Automobile Insurance Rate Board (AIRB) is issuing this notice to advise all interested parties we have collaborated with the Facility Association (FA) on a centralized industry data initiative in support of Alberta’s transition to the Care-First auto insurance model.
07-2026 Notice: Annual Review of Industry Experience - PPV
The Automobile Insurance Rate Board (AIRB) is issuing this notice to advise all interested parties the AIRB has commenced its 2026 annual review for private passenger vehicles (PPV).
06-2026 Notice: Publishing of 2025 Excess Profit Review Results
Announcing the publication of the 2025 Excess Profit Review Results.
Annual Review 2026 (PPV)
The AIRB’s 2026 Annual Review process analyzes industry loss experience for PPV to establish industry benchmarks to assess insurance companies’ PPV rate filings for basic and additional coverage.
- Notice-07-2026.pdf
- Preliminary Report - Annual Review of Industry Experience (PPV).pdf
- Consumer Perspectives Report 2026.pdf
- RCS presentation (opens in new tab)
- Consumer Perspectives presentation (opens in new tab)
2025 Excess Profit Review Results
The results of the measurement of excess profit in accordance with section 9.1, Returning Excess Premiums, of the Automobile Insurance Premiums Regulation.
CARS Contact Submission Form
Collection & Reporting System (CARS) AIRB contact submission form to be emailed to the airb@gov.ab.ca when completed. Please complete before starting the registration process for CARS.
Grid Guidance
Sets the rules and parameters for how insurers calculate, apply, and interpret Grid premiums under the regulatory framework.
2026 Mid-Year Market & Trends Report
Mid-year 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.
Understanding Auto Insurance
This guide introduces key terms and concepts about auto insurance in Alberta in an understandable way.
Privacy Management Program
Sets out AIRB’s policies and procedures which promote its compliance with and duties under the Protection of Privacy Act. These policies and procedures have been established to ensure privacy is protected and to ensure alignment of the same with the requirements of the Protection of Privacy Act.
Code of Conduct and Ethics
Establishes the rules governing the business and ethical conduct for all Directors and Employees of the Automobile Insurance Rate Board.
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.