Alberta is moving to a “Care-First, Privately Delivered” auto insurance system on January 1, 2027. The goal is faster access to treatment and more predictable costs by shifting the focus from court battles to care. The new framework was announced in late 2024, with legislation advanced in March 2025 and ongoing implementation through 2026.

Albertans are paying some of the highest premiums in the entire country, yet the companies cashing those premium cheques are fleeing because, they claim, they can’t turn a profit.  

As of January 1st 2020, the new Alberta Condo Legislation stipulates that a condominium corporation may recover up to $50,000 of the corporation’s deductible from a condo owner.

Discover the latest on Alberta's auto insurance reforms with insights from McDonalds Insurance. Learn how the 2025 rate cap rises to 7.5% (5% base + 2.5% rider for natural disasters like the Jasper wildfire), the 2027 shift to a Care-First no-fault model, and what it means for your premiums and claims.

Starting January 1, 2024, Albertans will only need to report collisions to the police if the property damage exceeds $5,000, a significant jump from the current threshold of $2,000.