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
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
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.
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.
Length of Vehicle Rental After Collision
Canada-wide, rental costs were 50% higher in June 2024 than in January 2019. Learn more about vehicle rentals after a collision with our infographic.
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.
Fraud Prevention
Insurance fraud increases your insurance premiums and we can all play a part in preventing it. If you suspect or know of an insurance fraud incident, report it immediately. You will help reduce the costs to all drivers and possibly protect innocent drivers from injury and expense.
Why Do Rates Increase
A list of contributing factors as to why your auto insurance rates increase.
How Auto Rates Are Calculated
To determine the cost of your auto insurance policy, a formula based on a number of identified risks is used to come up with a price. These risks include where you live, your age, vehicle type, how much you drive, and any past insurance claims. In short, this formula is used to calculate your auto insurance rate:
Base Rate X Rating Factors X Surcharge & Discounts
What To Do After a Vehicle Accident
A guide to keep in your vehicle in case you are ever involved in a collision. Includes steps to take and the information you should gather.
How Driving Convictions Affect Your Rates
Convictions are indicative of unsafe driving behavior and increase the likelihood of being involved in an accident. The impact on your insurance changes depending on the number of convictions. Too many convictions may result in the suspension of your driver’s license.
Ways to Reduce Your Rates
A list of ways you can reduce your auto insurance rates.
Who to Contact
Who to contact for general or claim questions about your auto insurance? and questions about auto insurance regulation?