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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.
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Resource List
Showing 299 results
Showing 299 results
Benchmarks | Bulletins
09-2026 Bulletin: Benchmark Schedules Effective October 1, 2026
Issued: 16/09/2026
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Effective: 01/10/2026
The Automobile Insurance Rate Board (AIRB) is issuing this Bulletin to advise all private passenger vehicle (PPV), commercial vehicle (COM), and motorcycle (MC) insurers operating in Alberta the 2026 Annual Review of industry experience has been completed based on data to December 31, 2025. The AIRB is releasing the PPV, COM and MC Industry Benchmarks Schedules (Schedules), effective October 1, 2026.
Annual Reviews
Annual Review 2026
Issued: 18/06/2026
The AIRB’s 2026 Annual Review process was to analyze industry loss experience for PPV, COM and MC, to establish industry benchmarks to assess insurance companies’ rate filings.
- Annual Review Report 2026.pdf
- Appendix A RCS Annual Review Final Report PPV 2026.pdf
- Appendix B Industry Benchmark Schedule.pdf
- Appendix C Consumer Perspectives Report 2026.pdf
- RCS presentation (opens in new tab)
- Consumer Perspectives presentation (opens in new tab)
- ACTLA submission.pdf
- IBC submission.pdf
- RCS Annual Review Final Report MC 2026.pdf
- RCS Annual Review Final Report COM 2026.pdf
08-2026 Bulletin: Timing for Rate Filings with Consumer Premium Impacts
Issued: 14/09/2026
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Effective: 14/09/2026
The Automobile Insurance Rate Board (AIRB) is issuing this bulletin to advise all auto insurers operating in Alberta of changes to the timing for accepting new rate filings that change premiums charged to consumers.
Reports
Care-First Consumer Premium Impact
Issued: 08/09/2026
The Care-First Consumer Premium Impact report explains what the Care-First rate filings may mean for Alberta consumers. It summarizes the number of filings received, the number of insured vehicles affected, average rate changes by vehicle class, and how premium impacts may vary in both percentage and dollar terms.
Reports
Care-First Premium Impact by Profile
Issued: 08/09/2026
The Care-First Premium Impact by Profile report presents the impacts Care-First has on the AIRB’s consumer rating profiles, which all insurers are required to submit data on alongside their filings.
Notices
13-2026 Notice: Publishing of the Care-First Consumer Premium Impact Report & Care-First Premium Impact by Profile Report
Issued: 08/09/2026
The Automobile Insurance Rate Board (AIRB) is issuing this notice to announce the publication of the Care-First Consumer Premium Impact and the Care-First Premium Impact by Profile reports.
Bulletins
07-2026 Bulletin: Prorated Policy Cancellations for Care-First
Issued: 03/09/2026
The Automobile Insurance Rate Board (AIRB) is issuing this bulletin to advise all insurers operating in Alberta of the expectations regarding cancellation of policies under Care-First.
Notices
12-2026 Notice: Mix of Business Proposals
Issued: 01/09/2026
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.
Bulletins
06-2026 Bulletin: Phase Two - Rating Variables in Collection & Reporting System
Issued: 01/09/2026
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.
Market Trends
2026 Market and Trends Report
Issued: 27/08/2026
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.
Notices
11-2026 Notice: Publishing of 2026 Market and Trends Report
Issued: 27/08/2026
The AIRB is issuing this notice to announce the publication of the 2026 Market and Trends Report.
Notices
10-2026 Notice: 2026 Annual Review of Industry Experience - Motorcycles
Issued: 04/08/2026
This review analyzes industry loss experience, for motorcycles to establish Industry Benchmarks used in the review of insurers’ rate filings.
Notices
09-2026 Notice: 2026 Annual Review of Industry Experience - COM
Issued: 14/07/2026
This review analyzes industry loss experience, for commercial vehicles to establish Industry Benchmarks used in the review of insurers’ rate filings.
Notices
08-2026 Notice: Collaboration on Centralized Industry Data
Issued: 07/07/2026
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.
Notices
07-2026 Notice: Annual Review of Industry Experience - PPV
Issued: 18/06/2026
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).
Notices
06-2026 Notice: Publishing of 2025 Excess Profit Review Results
Issued: 18/06/2026
Announcing the publication of the 2025 Excess Profit Review Results.
Excess Profit Review
2025 Excess Profit Review Results
Issued: 18/06/2026
The results of the measurement of excess profit in accordance with section 9.1, Returning Excess Premiums, of the Automobile Insurance Premiums Regulation.
Guidelines
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.
Guidelines
Grid Guidance
Issued: 01/10/2025
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Effective: 01/10/2025
Sets the rules and parameters for how insurers calculate, apply, and interpret Grid premiums under the regulatory framework.
Market Trends
2026 Mid-Year Market & Trends Report
Issued: 01/06/2026
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.
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