In Canada, every province can choose to do auto insurance however they want. Some are private industries, and some are publicly funded.
Does Alberta have public auto insurance?
Alberta does not have public auto insurance. The auto insurance in Alberta is a purely private industry only.
While the insurance agencies are private and independent, they are overseen by the Alberta Automobile Insurance Rate Board (AIRB).
Wether a province has public or private insurance, either way, auto insurance is mandatory to drive in Canada.
Every province and territory in Canada technically has access to some form of private insurance. Some are purely private, like Alberta, but some are a hybrid.
A province with a hybrid auto insurance structure generally means there is a certain amount of mandatory coverage from the public system, while you can add extra services privately.
Provinces and Territories Private or Hybrid Auto Insurance Chart
| Province/Territory | Private or Hybrid |
|---|---|
| Alberta | Private |
| Newfoundland/Labrador | Private |
| Nova Scotia | Private |
| Prince Edward Island | Private |
| New Brunswick | Private |
| Ontario | Private |
| Yukon | Private |
| North West Territories | Private |
| Nunavut | Private |
| British Columbia | Hybrid |
| Manitoba | Hybrid |
| Saskatchewan | Hybrid |
| Quebec | Hybrid |
Of the 13 total Canadian Provinces and Territories, 9 of them are purely private. The rest are mostly public with some form of private additions.
In Summary
- Alberta does not have public auto insurance.
- The Alberta auto insurance industry is purely private, and overseen by the A.I.R.B.
- Alberta is 1 of 9 Provinces and Territories that are private.
- The other 4 Provinces and Territories have public auto insurance or a hybrid.
