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Alberta

Auto Insurance affordability: Province says long term solutions may include public insurance offering

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Good drivers to benefit from auto insurance changes

New reforms will address the pressing issue of automobile insurance rates in the province as the government explores longer-term solutions.

Alberta’s government is exploring every possible avenue to provide relief to Albertans. Albertans with good driving records would experience price protection, ensuring their insurance rates do not increase higher than inflation. The proposed reforms would start Jan. 1, 2024.

“We know that Albertans have been struggling with their auto insurance rates and that’s why we’ve been working hard to find solutions. I’m pleased that we can work to bring forward these new measures to help. With inflation and the affordability crisis making life more expensive for Albertans, we will continue working to ensure that the measures we take are not only affordable but also sustainable in the long run.”

Danielle Smith, Premier

Alberta’s government will be taking further action to amend regulations, ensuring that insurers must offer payment plan options so Albertans would not have to pay the full amount for their coverage upfront. These changes would ensure the auto insurance industry can continue to cover claims costs and protect Alberta drivers while providing more relief to Albertans.

Additionally, changes would grant Alberta’s Automobile Insurance Rate Board (AIRB) the authority to direct auto insurers to return premiums to Albertans in years when insurance industry profits are significantly higher. AIRB could also request a rate filing from an insurer at any time to review and possibly lower auto insurance rates if needed.

“We understand the struggles many Albertans are facing, and we are working to ensure Albertans can afford the coverage they need. Achieving affordable auto insurance is a major commitment for our government and this is only the first step in delivering on that promise. We value the sustainability of the insurance industry and call for increased collaboration from insurers as we continue the work to address these issues.”

Nate Horner, President of Treasury Board and Minister of Finance

“Affordability continues to be a major concern for Albertans when the cost on every day essentials rises and makes it tough to make ends meet. That’s why we continue to build on our existing affordability measures to help stabilize costs. This auto insurance reform will help do this in the short term.”

Nathan Neudorf, Minister of Affordability and Utilities

Alberta’s government is closely examining more long-term solutions to make Alberta’s auto insurance industry affordable and sustainable.

The current rate pause will remain in effect to ease the burden on Alberta drivers until the end of 2023. Proposed reforms for 2024 would not impose a dynamic price ceiling on the rate increases insurers can request but would help control how they are distributed among customers, particularly those with good driving records. Any rate increases in 2024 will be carefully monitored to ensure they are reasonable and justifiable. Albertans should continue to shop around to find the best insurance coverage for them.

“As the consumer representative on the Automobile Insurance Rate Board, I ensure that Alberta drivers are considered in all board decisions, including changes to insurer rating programs. I believe protecting good drivers from unexpected rate increases is a win for Alberta consumers. During a time of affordability challenges, this action will provide price stability and predictability for Alberta families.”

Stephane Lemieux, consumer representative, Alberta Automobile Insurance Rate Board

The government has commissioned an in-depth analysis by an external consultant concerning longer-term reforms. A draft report is expected by the end of 2023, with the final report slated for the first quarter of 2024. The results of this analysis will inform the government’s long-term reforms.

Quick facts

  • The description of a driver with a good record is adapted from the AIRBs guidance for the grid rating program. This includes anyone without the following:
  • one or more at-fault accidents in the last six years
  • any Criminal Code traffic convictions in the last four years
  • any major traffic convictions in the last three years
  • more than one minor traffic conviction in the last three years
  • In Alberta’s competitive marketplace, Albertans can sometimes get better rates by shopping around and exploring their options.
    • Albertans should continue to work with their insurance companies or brokers to get the best rates.
    • Alberta drivers can get discounts of up to 20 per cent for bundling their home and property insurance, in addition to discounts for good driving behavior.

Related information

At 17:00 of the video here, A reporter’s question about a potential public insurance offering in Alberta is confirmed.

Alberta

Canadians owe Smith a debt of gratitude

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CAE Logo Dan McTeague

“Thank you, Danielle Smith!”

That is what every man, woman, and child in our great nation should be shouting from the rooftops this week. Instead, our journalists, politicians, and their army of Leftist loudmouths on social media, are sticking with the story that she’s, somehow, a traitor. That couldn’t be further from the truth, and every one of them should be ashamed of themselves for saying it.

In fact, Smith has been almost entirely alone in fighting for Canada since Donald Trump began broadcasting his intention to use the threat of tariffs to pressure our government on illegal immigration and fentanyl trafficking over our border.

The response from the media was first mockery and scorn — ‘Look at this American buffoon! He doesn’t even know how much he needs us!’ — followed by outrage at Trump and any Canadian who dared to suggest he might have a point. “Where is their patriotism?!” asked elitists who have spent their careers scoffing at any and every expression of Canadian pride.

And the response from our governing class has been all virtue-signaling and egotism. Yes, Justin Trudeau flew to Mar-a-Lago to make a perfunctory case against the tariff, but he took every opportunity which presented itself to trash Trump, accuse the American people who elected him of sexism, and imply that Canadians who might consider voting conservative were just as bad.

Meanwhile, Doug Ford began his chest-thumping ‘Captain Canada’ act, while calling an early election with an eye towards keeping himself in power for a few more years. The argument for this move didn’t stand up to the slightest scrutiny. Why did Ford call an election in the middle of what he described as an all-hands-on-deck national emergency? Because he needed a huge majority in Queen’s Park to authorize the COVID-19-level government spending and interventions he needed to respond to Trump’s tariff… never mind the fact that the opposition parties are entirely on board with government spending and intervention.

Maybe he was worried that there are still a few conservatives left in his own caucus who’d object to him driving Ontario’s finances further into the mud? He shouldn’t be – if they stuck with him as he sunk billions into the dying EV industry, they’re likely to stick with him now.

In any event, Ford has created a situation where, in the midst of a crisis, his attention is split between governing and campaigning. It’s self-interest all the way down!

Smith, on the other hand, sprang into action. She flew to the States, first to Mar-a-Lago and then to Washington, and tirelessly made the case to all of the major players on this file — Trump himself, Energy Secretary Chris Wright, Interior Secretary Doug Burgum and others — that the U.S. and Canada are better off working together.

She made it clear that Albertans are also concerned about the border, and about fentanyl trafficking. She criticized Trudeau’s anti-Trump tirades as “not helpful,” slammed proposals to cut off Canadian oil and gas to the U.S., and called for Ottawa to appoint a border and drugs czar, ideally a retired general, rather than some political flunky, an idea which has gotten support from retired members of our military corps.

Her instinct has always been towards turning down the temperature, rather than trying to heat things up — that, by the way, is called “diplomacy” — and she never missed an opportunity to stand up for our oil and gas industry. When our Laurentian elite began sabre rattling about slapping an export duty on Canadian energy heading south, she stood opposed to that as well.

And this is at the heart of the Liberal critique of Smith. She’s betrayed Canada, they say, because she only cares about Alberta and its energy industry. She stands opposed to any action which might imperil Albertan oil and gas.

To which I say: Of course! And good on her for it.

Because, remember, it isn’t only Alberta’s oil and gas industry. It’s Canada’s. And though Justin Trudeau, Mark Carney, and their “green” ideologue friends might wish it otherwise, oil and gas remains the backbone of the Canadian economy. It is our “golden goose,” in the words of economists Jack Mintz and Philip Cross, in a recent study of Canada’s resource sector. And it is far too important to the livelihood of Canadians — not just Albertans mind you — for the Trudeau Liberals to use it as a bargaining chip. Especially since they’ve spent years hamstringing it, while suggesting that we’d ultimately be better off if it went the way of the Dodo.

It’s worth noting that when the (short-lived) tariffs were announced, the White House underlined Smith’s advocacy by singling out oil and gas for a lower rate. More importantly, the concessions from Trudeau which got us our present reprieve — the drug czar and enhanced border enforcement especially — were first proposed by Smith!

So, a separatist? A traitor? Perish the thought! Smith is an advocate for our interests, and a great Canadian.

Hopefully, as we try to avert the unwelcome return of these tariffs, the government looks to Danielle Smith for some guidance. Especially because, chances are, her advice will be, ‘Call an election, so our prime minister has a mandate from the people and can negotiate from a position of strength!’

For the good of Canada, here’s hoping they listen.

Dan McTeague is President of Canadians for Affordable Energy

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Canadians for Affordable Energy is run by Dan McTeague, former MP and founder of Gas Wizard. We stand up and fight for more affordable energy.

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Alberta

As President Trump creates new economy, Trudeau government ‘pandering’ to globalists

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Jordan Peterson in a February 5, 2025 video titled ‘Canada Must Offer Alberta More Than Trump Could’

From LifeSiteNews

By Anthony Murdoch

“Enough idiot green moralizing, enough carbon tax. Enough bloody net-zero,” he said, adding, “how about this: enough multiculturalism and destruction of the Canadian identity.” 

Well-known Canadian psychologist Dr. Jordan Peterson had choice words for Canadian politicians last week, accusing them of “pandering” to elites and ruining the nation.

In the February 5 video entirely dedicated to the topic of Canadian politics, Peterson said that he is sick of “pathetic celebrity wannabe” politicians, a category in which he includes Prime Minister Justin Trudeau, who are “pandering” to the global elites at the expense of ordinary citizens.

Peterson, who is from Alberta, in particular defended his province from a continued push by the Liberal government to undermine its oil and gas industry, amidst a trade tariff dispute with the United States. 

“Enough overt and covert attempts to destroy the basis of the economy of my fair and hard-working province,” said Peterson. 

“Enough delaying critical infrastructure development and rejection of international trade offers for natural gas, oil, and coal. Enough treatment of the resource economy upon which Quebec in particular, so unacceptably depends as a moral pariah.” 

Peterson also took issue with Trudeau’s unpopular carbon tax and the Liberal government’s ongoing promotion of DEI (diversity, equity, inclusion) ideology. 

“Enough idiot green moralizing, enough carbon tax. Enough bloody net-zero,” he said, adding, “how about this: enough multiculturalism and destruction of the Canadian identity.” 

In recent weeks, the Trudeau government has been embroiled in a trade dispute with U.S. President Donald Trump, the latter threatening to impose a 25 percent tariff on all Canadian goods if border security and fentanyl trafficking is not taken more seriously.

Canada was given a 30-day reprieve from the 25 percent tariffs by Trump after Trudeau promised to increase border security and crack down on fentanyl making its way south.  

Since taking office in 2015, the Trudeau government has continued to push a radical environmental agenda like the agendas being pushed by the World Economic Forum’s “Great Reset” and the United Nations’ “Sustainable Development Goals.”  

Alberta Premier Danielle Smith has been a fierce opponent of Trudeau’s green energy agenda and an advocate for the oil and gas industry.   

Canada has the third largest oil reserves in the world, with most of it being in Alberta. Unlike in other nations, Alberta’s industry is largely considered ethical.

This is not the first time Peterson has accused Trudeau and his government of working against the interests of Canada.

Last year, Peterson formally announced his departure from Canada in favor of moving to the United States, saying his birth nation has become a “totalitarian hell hole.”  

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