Chair's Message

Charlene Butler

The primary role of the Automobile Insurance Rate Board (Board) is to regulate automobile insurance rating programs for private passenger vehicles for both basic and additional coverage in Alberta. The Board's vision is to foster an efficient and effective automobile insurance market with fair and predictable rates.

In order to carry out its review of rating programs, the Board holds an annual open consultation meeting to hear from stakeholders with respect to Alberta private passenger vehicle loss experience. The oral and written information provided through this meeting, along with the Board's consulting actuary report, and other information the Board gathers, is used to establish Industry Benchmarks to be used by insurers in preparation of filings to the extent that their own data is not fully credible. The Industry Benchmarks are also used as the basis of the Board's review of Private Passenger Vehicle filings.

The Industry Benchmarks established are also used to determine the appropriate premium level for the grid rating program. The grid rating program caps premiums for basic coverage. Currently, approximately 93% of drivers in Alberta pay less than the grid premium.

The Board strives through its website to ensure consumers have access to insurance related information that facilitates informed choices. The Board welcomes and encourages consumers to use our grid rate calculator located on our website, along with the other information contained therein.


Charlene Butler, MBA, BSc, BComm
Automobile Insurance Rate Board