Starting January 1, 2026, auto insurance Grid base premiums in Alberta increased by 20% compared to January 2025. This adjustment was issued by the Alberta Automobile Insurance Rate Board on September 26, 2025. Alberta's Grid system for auto insurance can be complicated. To make things as clear as possible, we'll explain what Grid is, who is on the Grid, and how Grid has changed over time in the province. 

If you’ve ever gotten a quote on auto insurance in Alberta, you may have heard the agent or the broker talk about insurance grid rates. If you’re not an insurance professional, the term “grid rate” probably doesn’t mean that much to you. Today we want to provide a short guide to understanding what “grid rates” are, what they do, and what it means for you.