Better. Faster.
More Affordable.

Care-First auto insurance is coming January 2027.

Cheerful woman in warm clothes having a break drinking from tumbler near SUV in forest of Banff National Park during road trip in winter

What's New

Minimizing litigation in Care-First system critical to delivering improved affordability and care to drivers. Learn more

What is Care-First auto insurance?

In November 2024, the Alberta government announced reforms to the province’s auto insurance system. The Care-First system is intended to provide better and faster care to drivers involved in auto collisions and reduce legal costs to make auto insurance more affordable.

Why is a new auto insurance system needed?

Albertans deserve affordable auto insurance they can count on. Today, that is not the case. Albertans injured in collisions do not get the timely medical care and income support they need, and litigation drives up costs for everyone. With a system that emphasizes care over courts, people involved in collisions should receive faster, better care, and recover costs more quickly.

What do the changes mean for you?

Simpler auto insurance. Simplifying the claims process and removing excessive legal costs from the system makes auto insurance more affordable for drivers.
 
Better and faster care. The new Care-First system will provide improved medical, rehabilitation and income support benefits for all Albertans injured in a collision and lifetime treatment for catastrophic injuries.
 
Albertans can still sue at-fault drivers. Drivers will still be able to sue at-fault drivers convicted of a criminal offence, like negligence or driving under the influence.

What’s Next

The legislative and regulatory details of Care-First will be critical to its success.
 
Alberta’s auto insurers continue to work with the government to help ensure the new Care-First system delivers what it promises: faster, better care to drivers, with lower legal costs and more affordable insurance.

Insights

The risks of government-run auto insurance systems

Read about The risks of government-run auto insurance systems

Why rate intervention in insurance does not work

Read about Why rate intervention in insurance does not work

The problem with rising legal costs

Read about The problem with rising legal costs

How the government can provide further savings to Alberta drivers

Read about How the government can provide further savings to Alberta drivers

How the insurance industry supports local economies

Read about How the insurance industry supports local economies

News

News Release
Insurance Bureau of Canada welcomes passing of Alberta’s Bill 47, the Automobile Insurance Act
ibc.ca
May 15, 2025
Read about Insurance Bureau of Canada welcomes passing of Alberta’s Bill 47, the Automobile Insurance Act
In Focus
Care-First: A New Direction for Auto Insurance in Alberta
ibc.ca
May 12, 2025
Read about Care-First: A New Direction for Auto Insurance in Alberta
Media Coverage
Why auto insurance costs could rise due to tariffs and U.S. trade war
calgaryherald.com
April 20, 2025
Read about Why auto insurance costs could rise due to tariffs and U.S. trade war
MEDIA COVERAGE
Will Alberta's new auto insurance legislation deliver on affordability? Industry experts weigh in
edmontonjournal.com
March 25, 2025
Read about Will Alberta's new auto insurance legislation deliver on affordability? Industry experts weigh in
MEDIA COVERAGE
Alberta bill would overhaul auto insurance, expand benefits and limit lawsuits
discoverairdrie.com
March 26, 2025
Read about Alberta bill would overhaul auto insurance, expand benefits and limit lawsuits
Media Coverage
New bill would launch Alberta's overhaul of auto insurance
cbc.ca
March 24, 2025
Read about New bill would launch Alberta's overhaul of auto insurance
News Release
Minimizing litigation in Care-First system critical to delivering improved affordability and care to drivers
ibc.ca
March 24, 2025
Read about Minimizing litigation in Care-First system critical to delivering improved affordability and care to drivers
Announcement
Better, faster, cheaper auto insurance
alberta.ca
March 24, 2025
Read about Better, faster, cheaper auto insurance
Media Coverage
Opinion: Getting Alberta's auto insurance right means no lawsuits, rate caps
edmontonjournal.com
March 18, 2025
Read about Opinion: Getting Alberta's auto insurance right means no lawsuits, rate caps

Better Auto Alberta is the trusted source of information for auto insurance reforms. Its goal is to provide Albertans with clear, accessible updates and insights on the new Care-First system and what it means for them. 

Better Auto Alberta