Alberta Auto Insurance

We work to find you the best auto insurance options for your situation.

How do we determine what auto insurance is right for you? We ask questions about you, your vehicle, your driving record (including any accidents or charges), your credit record, and your expectations in the event of a claim. The more we know about you and your needs, the better options we can find. The right company or coverage package for one driver may not be the right one for another. We have access to many insurance markets for auto insurance clients. And it’s our job to the right insurance option for you.


The Direct Compensation Property Damage system in now in place for Auto Insurance in Alberta. As your trusted insurance broker, we want you to know:

  • This new system doesn’t change your current auto insurance policy at all – only how claims are processed.
  • You don’t have to do a thing.

You can download “The Top 10 Things to Know about DCPD” here.

Liability Insurance

Think of this as your insurance for the things that could happen to other people or other people’s property. That’s why it’s sometimes called Public Liability and Property Damage or third-party liability. And that’s why it’s mandatory.

In Alberta, the minimum requirement for auto insurance is $200,000 liability insurance. If you’re looking for the minimum coverage possible, we aren’t who you should be working with. And you should probably just talk directly to an insurance company yourself.

Professional brokerages like ours understand that carrying only the minimum liability coverage is not in the best interest of anyone. Advice is the biggest part of our value and we could never advise someone to make that decision. In fact, our basic liability insurance option always includes both accidental benefits coverage and family protection because they just make sense.


Coverage options to consider when putting together your auto insurance package

If you want to be able to walk away from a collision and not worry about the damage done to you or your car, you need collision insurance. If you want to not worry about how you’re going to pay to fix damage to your car from vandalism, fire, hail or theft, you need comprehensive insurance. If you rent cars or drive vehicles other than your own often, you'll probably want non-owned auto insurance.

The truth is, there are many insurance options available to you and that’s where we come in. We translate the insurance speak into real life scenarios to see what you need and then we shop the insurance marketplace to find the right coverage at the best price.

Your auto insurance rate explained

It might seem random at times – especially with all the legislative changes regarding auto insurance in Alberta – but your rate is determined by four things:

  1. Your sex and age
  2. Your vehicle choice
  3. Your driving and insurance history
  4. Your location (different communities can have different ratings)

Once you understand what impacts your rates, you can see that the best way to control your insurance costs is by keeping a clean driving record and good insurance history.

Leasing or financing? Your insurance options are determined for you

Before you decide to lease or finance a vehicle, you should talk to us. Often, when you’re shopping for a vehicle, you’re only thinking about what monthly vehicle payment you can afford. But every lease or finance agreement requires very specific coverage types and levels that you can’t opt out of. And the cost to insure one vehicle or another can be very, very different.

For example, you might be able to afford the monthly payments on that 2020 Mini but can you afford the full liability, collision and comprehensive insurance payments the financing company requires too?

We’re here to answer your questions

You don’t need to know everything about auto insurance, that’s why we’re here. If you’re looking for auto insurance and want to work with someone to make sure you have the right coverage at the best price, we’d love to help.

Contact us.

  • Arnel Rante
    They're very helpful.
    Arnel Rante
  • Russell Motha
    If you want to get the best service from them, you need to talk to Boun Chou at CJ Campbell, got the best rates across 12 different companies for my house and my car and the service was excellent.
    Russell Motha
  • Roxeen Willett
    We moved to Alberta almost 10 years ago from Ontario . We were recommended CJ Campbell for our insurance needs. This was the best decision. Jen and Anna Marie have always helped with any questions or concerns and have always treated us like we were their only clients. Never waited for answers always had time to call back asap with answers. Highly recommend switching to CJ Campbell. You wont be disappointed.
    Roxeen Willett
  • Jason Perras
    Great company to deal with. We are very happy to switch over from our previous company and they also saved us some money!
    Jason Perras
  • Theresa Hendricken
    My husband and myself have been with company for at least 25 years. They never disappoint always best rates.
    Theresa Hendricken
  • Jonathan Howlett
    Highly recommended and always delivers the best service for home and auto insurance. Able to navigate for best value, and listens to our needs.
    Jonathan Howlett
  • Melissa Geea
    Jennifer Mohler is absolutely outstanding. I was given Jen's contact information from a friend after moving to Calgary several months ago. Her professionalism and efficiency on finding me the best quote for auto is what led me to contact her again when I needed home insurance. She is very pleasant to work with as she is patient with explaining policies and has an eye for detail. Looking forward to dealing with Jen in the future!
    Melissa Geea
  • Dom L
    I have been a client of C.J Campbell Insurance for over 16 years. I would like to express my gratitude to Joel White. Joel is absolutely amazing to work with. His professionalism, understanding and willingness to go above and beyond for clients is very commendable! When ever I have a question or if there is an issue he’s instantly working on how to resolve or answer my question. I highly recommend him for all your insurance needs.
    Dom L
  • Ken Moffatt
    My wife and I moved our insurance to CJ Campbell after Royal Bank started demanding annual payments from customers. We have been very happy for the past few years. Customer service is exceptional and staff work to help you get a fair deal. I would highly recommend CJ Campbell Insurance.
    Ken Moffatt