AMA Car Insurance Review: Is It Worth It in 2025?
Our expert's review on AMA
AMA car insurance provides a well-defined and flexible offering tailored specifically for Albertan motorists, featuring mandatory liability and optional collision or comprehensive plans. Reimbursement ceilings are robust, with liability coverage recommended up to $2,000,000, while deductibles are customizable with common choices like $500 or $1,000 to manage premium costs. AMA also promotes safer driving with its AMA MyRide and MyPace programs, which can provide discounts of up to 10% for eligible drivers.
Against its competitors in Alberta, AMA leverages its deep local expertise and unique usage-based insurance options to offer a competitive, service-oriented value proposition. This makes AMA insurance an excellent choice for existing AMA members, low-mileage motorists using the MyPace program, and new drivers who can benefit from education discounts.
As an established Alberta-based provider, AMA underscores its reliability with 24/7 claims reporting and a commitment to prompt service. While comprehensive public ratings are not available, claims management is structured for efficiency, with an Alberta-based adjuster contacting the policyholder within 48 hours of a report.
- ✅Strong local Alberta expertise
- ✅24/7 claims service with local adjusters
- ✅Usage-based options (MyRide, MyPace)
- ✅Accident Forgiveness endorsement available
- ✅Multiple discounts (membership, bundling, winter tires)
- ✅Freedom to choose your own repair shop
- ✅Flexible and selectable deductibles
- ❌Roadside assistance is not part of insurance
- ❌Rental vehicle coverage an optional extra
- ❌Personal belongings not covered by default
- ❌No publicly available aggregate customer rating
- ❌Full policy details require advisor contact
Score- ✅Strong local Alberta expertise
- ✅24/7 claims service with local adjusters
- ✅Usage-based options (MyRide, MyPace)
- ✅Accident Forgiveness endorsement available
- ✅Multiple discounts (membership, bundling, winter tires)
- ✅Freedom to choose your own repair shop
- ✅Flexible and selectable deductibles
Our expert's review on AMA
- ✅Strong local Alberta expertise
- ✅24/7 claims service with local adjusters
- ✅Usage-based options (MyRide, MyPace)
- ✅Accident Forgiveness endorsement available
- ✅Multiple discounts (membership, bundling, winter tires)
- ✅Freedom to choose your own repair shop
- ✅Flexible and selectable deductibles
- ❌Roadside assistance is not part of insurance
- ❌Rental vehicle coverage an optional extra
- ❌Personal belongings not covered by default
- ❌No publicly available aggregate customer rating
- ❌Full policy details require advisor contact
Score- ✅Strong local Alberta expertise
- ✅24/7 claims service with local adjusters
- ✅Usage-based options (MyRide, MyPace)
- ✅Accident Forgiveness endorsement available
- ✅Multiple discounts (membership, bundling, winter tires)
- ✅Freedom to choose your own repair shop
- ✅Flexible and selectable deductibles
Against its competitors in Alberta, AMA leverages its deep local expertise and unique usage-based insurance options to offer a competitive, service-oriented value proposition. This makes AMA insurance an excellent choice for existing AMA members, low-mileage motorists using the MyPace program, and new drivers who can benefit from education discounts.
As an established Alberta-based provider, AMA underscores its reliability with 24/7 claims reporting and a commitment to prompt service. While comprehensive public ratings are not available, claims management is structured for efficiency, with an Alberta-based adjuster contacting the policyholder within 48 hours of a report.
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AMA Car Insurance Guarantees
AMA offers both mandatory third-party liability and Direct Compensation Property Damage (DCPD) plans with coverage limits up to $2 million, while optional modules allow you to add collision and comprehensive insurance, glass coverage, and rental vehicle protection, each with selectable deductibles.
AMA’s flexibility through endorsements like Accident Forgiveness, MyRide (usage-based discounts), and MyPace (pay-as-you-go for low-mileage drivers) positions its offer as modern and highly customizable in Alberta’s market. Members benefit from exclusive discounts and a robust claims service with local adjusters, and damage can be repaired at a shop of your choice or an AMA Approved facility for guaranteed repairs.
Replacement cost, legal protection, or extended personal effects coverage do not feature in standard offerings and may require discussion with an advisor. Assistance services such as towing are provided after insured losses, but full roadside assistance relies on a separate AMA membership rather than the insurance policy itself.
| Warranty name | AMA Car Insurance Policies |
|---|---|
| Formula positioning | Liability only; add collision, comprehensive, and endorsements à la carte |
| Type of cover | Third-party liability, DCPD, optional collision, comprehensive, endorsements |
| Reimbursement rate (% of damages covered) | Up to insured limits per coverage selected |
| Annual reimbursement ceiling | $2,000,000 for liability; actual cash value for vehicle damages |
| Policy excess (per claim and/or annually) | $500–$1,000 typical; chosen on policy |
| Waiting period (before certain guarantees take effect) | Immediate on payment |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment | Driving history, insurance history, basic personal data |
| Payment facilities | Monthly or annual payments, online & phone management |
| Advance payment of claim-related costs | Direct shop payment for insured repairs; you pay only your deductible |
| Compensation at purchase/agreed value/replacement value | Actual cash value for total loss; replacement cost NC |
| Third-party liability (bodily/property) | ✅ Minimum $200,000; $2,000,000 recommended |
| Own vehicle damage (collision, regardless of fault) | ✅ If selected; deductible applies |
| Theft of vehicle (partial/total) | ✅ If comprehensive selected; deductible applies |
| Fire (accidental or criminal) | ✅ If comprehensive selected |
| Broken glass (windscreen, windows, sunroof) | ✅ If comprehensive/glass coverage selected; deductible varies |
| Natural disasters (hail, flood, storm, etc.) | ✅ If comprehensive selected |
| Acts of vandalism | ✅ If comprehensive selected |
| All-risks damage (accidents of any cause, incl. at-fault) | ✅ Collision & comprehensive together |
| Driver personal injury cover (death, disability, medical expenses) | Basic AB cover per Alberta law |
| Passenger injury cover | Basic AB cover per Alberta law |
| Criminal defence and recourse (basic legal aid after an accident) | NC |
| Extended legal protection | NC |
| Vehicle accessories and modifications | NC |
| Personal belongings inside the vehicle | ❌ Not covered; check home insurance for personal items |
| Child equipment (seats, pushchairs) | ❌ Not covered as standard |
| Replacement vehicle (during repairs or after total loss) | ✅ If rental vehicle option selected |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Towing after insured loss; full assistance via AMA membership only |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | ✅ Across Canada and US; coverage may vary |
| Vehicle use for professional/business purposes | ❌ Not covered unless declared and endorsed |
| Driving other vehicles | ❌ Not standard; discuss with advisor for possible coverage |
| Trailer or caravan towing cover | ❌ Not standard; discuss with advisor for possible coverage |
*NC: Not communicated. AMA membership required for non-accident roadside services. All coverages subject to terms and limits.*
Good to know
AMA provides online quotes, policy management, and 24/7 claims reporting via its website and MyAMA portal, supported by Alberta-based advisors and claims teams. Members enjoy additional discounts and full breakdown assistance, while all insureds can select repair facilities and manage payments flexibly. Usage-based and pay-as-you-go insurance options are available for those who qualify, supporting cost savings for careful or infrequent drivers.
AMA Car Insurance Exclusions
AMA excludes intentional damage, as well as any claim arising from the use of a vehicle for illegal purposes or activities. Driving under the influence of drugs or alcohol, or by an unlicensed driver, will void coverage.
Claims for wear and tear, mechanical breakdown, or losses related to the natural aging of the vehicle are not covered. Personal items inside the vehicle are excluded from coverage unless specified otherwise, which is more restrictive compared to some competitors offering broader personal property protection.
| Exclusions | Details |
|---|---|
| Exclusions linked to vehicle use | Illegal activities with vehicleUnreported vehicle use for non-personal purposes |
| Exclusions linked to the driver | Driver under influence (alcohol/drugs)Unlicensed drivers |
| Technical exclusions | Mechanical breakdownWear and tearLosses due to vehicle aging |
| Exclusions for personal property | Personal belongings or items inside the vehicle not covered (unless specified) |
| Contractual exclusions | Intentional or fraudulent claimsDamages outside of policy terms and covered events |
| Geographical exclusions | NC |
AMA Car Insurance Cost
AMA positions itself as a competitive player in the Alberta market, offering a range of coverage with customizable deductibles and comprehensive options similar to major provincial competitors.
The inclusion of usage-based (MyRide) and pay-as-you-go (MyPace) programs supports cost control and caters to a variety of driving habits, helping to keep rates accessible—especially for low-mileage and safe drivers. While premium levels reflect a solid claims service and local expertise, rates may edge higher than pure digital insurers for clients seeking extensive base coverage or lower deductibles, but are balanced by strong member discounts and bundling offers.
AMA’s hybrid approach, with robust support and both online and in-person services, is valued by customers prioritizing advice and claims responsiveness over the bottom-dollar price. Coverage is adaptable, and the most cost-effective rates are generally for drivers who combine responsible driving habits with AMA’s digital discounts.
| Basic coverage | Standard coverage | Maximum coverage | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $150/month | $185/month | $210/month |
| Standard driver (35-45 years, intermediate vehicle) | $95/month | $110/month | $130/month |
| Senior driver (60-70 years, city car) | $75/month | $85/month | $105/month |
| Driver with an at-fault claim within 3 years | $170/month | $195/month | $225/month |
| New SUV driver | $130/month | $145/month | $170/month |
| Driver with more than 25,000km/year | $125/month | $140/month | $160/month |
Get a personalized quote and compare plans to ensure you find the most cost-effective coverage for your profile.
Compare the best car insurance plans for free!Start comparingAMA Car Insurance Discount Codes
| Promotional codes AMA | Details |
|---|---|
| HelloSafe promotional code | Value -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
Reimbursement with AMA
| Claim or service | Average price in CA$ | Third Party Liability/DCPD | Collision (optional) | Comprehensive (optional) |
|---|---|---|---|---|
| Replacement after theft (total loss) | $20,000 | ❌ | ❌ | Up to $20,000 (excluding deductible) |
| Repair after at-fault accident | $5,000 | ❌ | Up to $5,000 (excluding deductible) | ❌ |
| Windshield replacement | $700 | ❌ | ❌ | Up to $700 (excluding deductible) |
| Vandalism repair | $1,200 | ❌ | ❌ | Up to $1,200 (excluding deductible) |
| Fire damage repair | $4,500 | ❌ | ❌ | Up to $4,500 (excluding deductible) |
AMA Car Insurance Assistance
AMA’s car insurance offers 24/7 claims support and quick access to Alberta-based adjusters, which is a notable strength for drivers seeking timely assistance.
Towing is provided when a vehicle is non-drivable after a covered loss, but details about distance limits or whether 0 km towing applies are not specified, which could be a concern in rural areas.
A rental vehicle is only available as an optional add-on, which limits immediate mobility support for those not opting for this endorsement.
Alternative transport or accommodation and support for breakdown situations at home are not directly integrated into standard insurance, relying instead on separate AMA membership benefits.
Assistance abroad, specific coverage for electric vehicles, pet support, legal assistance after accidents, or help for lost keys are not offered within AMA car insurance contracts, representing significant gaps compared to some insurers.
| Support AMA | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Claims support available at any time Insurance roadside assistance provided after a covered loss |
| Towing to repair facility / Extended towing | ✅ | Towing arranged if vehicle is undriveable after insured event Distance or limits not publicly specified |
| Assistance from home (0 km) | ❌ | Not included in insurance; available only with a separate AMA membership |
| Replacement vehicle | ✅ | Rental car provided if “rental vehicle coverage” endorsement purchased Not standard |
| Alternative transport or accommodation | ❌ | Not covered within standard insurance policies |
| Vehicle repatriation | ❌ | Not covered |
| Assistance abroad | ❌ | No insurance assistance services available outside Canada |
| Assistance for electric vehicles | ❌ | No specific coverage for electric vehicles or out-of-charge support |
| Battery assistance & fuel misfuelling | ❌ | Not included via insurance policy |
| Legal assistance after an accident | ❌ | Legal protection not offered as part of standard or optional car insurance |
| Assistance for animals on board | ❌ | No support for pet transport in breakdown or accident situations |
| Key recovery & lock replacement | ❌ | Not covered by insurance; may be possible with separate membership |
Insurance roadside assistance provided after a covered loss
Distance or limits not publicly specified
Not standard
Customer feedback on AMA car insurance
We have analyzed the reviews on the available sources:
- ✅ The claims process is regularly described as efficient, with an Alberta-based adjuster often reaching out quickly to assist.
- ✅ A number of policyholders appreciate the professionalism and friendliness of AMA’s staff during stressful situations.
- ✅ Many customers highlight the ease of managing policy changes online or over the phone with clear instructions.
- ✅ There is repeated praise for the responsive support in emergencies and the ability to use a repair shop of choice.
- ❌ Some clients mention unexpected increases in premiums upon policy renewal, leading to dissatisfaction.
- ❌ A few policyholders report delays in claim payouts for total loss or complex incidents.
- ❌ There are occasional comments about unclear communication during the claims process or about changes in policy coverage limits.
- ❌ Limited information is sometimes given when coverage for optional modules or add-ons is adjusted without prior notice.
How to Contact AMA?
| Customer service AMA | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. Or via AMA at https://ama.ab.ca/insurance/vehicle/auto-insurance Phone: 1-844-203-7046 |
| To report a claim | 24/7 phone: 1-888-426-2444 Online via MyAMA portal: https://ama.ab.ca/myama Email: insurance@ama.ab.ca Address: AMA Insurance, 10310 G.A. MacDonald Ave NW, Edmonton, AB T5J 2H7 |
| To request and track a refund | Contact your AMA advisor at 1-800-615-5897 or your AMA insurance branch. Email: insurance@ama.ab.ca Payout is generally made by direct deposit or cheque. Provide claim reference and banking details if requesting direct deposit. Refunds are processed after claim approval; typical period: 5–10 business days. |
| To obtain an insurance certificate | Call 1-844-203-7046 or email insurance@ama.ab.ca Online request via MyAMA portal: https://ama.ab.ca/myama Certificates can be mailed, emailed, or picked up at any AMA branch. |
| To contact assistance | General customer service: 1-800-615-5897 Insurance customer support: insurance@ama.ab.ca Address: AMA Insurance, 10310 G.A. MacDonald Ave NW, Edmonton, AB T5J 2H7 |
| To cancel my contract | Call AMA at 1-844-203-7046 or write to insurance@ama.ab.ca Notice period: usually required; confirm with your advisor. Documents to enclose: policy number, proof of alternate insurance if required. Address for cancellation: AMA Insurance, 10310 G.A. MacDonald Ave NW, Edmonton, AB T5J 2H7 Refund for cancellation is generally processed within two weeks, by cheque or direct deposit. |
Or via AMA at https://ama.ab.ca/insurance/vehicle/auto-insurance
Phone: 1-844-203-7046
Online via MyAMA portal: https://ama.ab.ca/myama
Email: insurance@ama.ab.ca
Address: AMA Insurance, 10310 G.A. MacDonald Ave NW, Edmonton, AB T5J 2H7
Email: insurance@ama.ab.ca
Payout is generally made by direct deposit or cheque.
Provide claim reference and banking details if requesting direct deposit.
Refunds are processed after claim approval; typical period: 5–10 business days.
Online request via MyAMA portal: https://ama.ab.ca/myama
Certificates can be mailed, emailed, or picked up at any AMA branch.
Insurance customer support: insurance@ama.ab.ca
Address: AMA Insurance, 10310 G.A. MacDonald Ave NW, Edmonton, AB T5J 2H7
Notice period: usually required; confirm with your advisor.
Documents to enclose: policy number, proof of alternate insurance if required.
Address for cancellation: AMA Insurance, 10310 G.A. MacDonald Ave NW, Edmonton, AB T5J 2H7
Refund for cancellation is generally processed within two weeks, by cheque or direct deposit.
FAQ
Do I have to pay in advance for repairs or assistance with AMA?
AMA does not require you to pay in advance for repairs covered by your insurance policy—when you use an AMA-approved repair shop, billing is usually direct between the shop and the insurer. For towing or assistance after a covered loss, AMA arranges and pays the service provider directly as part of the claims process. However, if you choose your own repair shop, you may need to pay and submit receipts for reimbursement. Always confirm with your adjuster before authorizing repairs. Make sure to clarify your deductible responsibilities at the time of service.
How do I cancel my car insurance contract with AMA?
To cancel your AMA car insurance contract, contact AMA by phone, online, or in person and provide your policy details, with 30 days’ notice and a signed cancellation request.
What documents do I need to file an AMA claim after an accident?
You will need your policy number, details of the accident, photos of the damage, and in some cases a police report (especially for theft, vandalism, or damages over $2,000). Complete the required forms through the MyAMA portal or provide them to your claims adjuster. The adjuster may also request driver’s licence and contact information of involved parties. Having these documents ready will speed up your claim. Report the incident as soon as possible after it occurs.
Can I choose any repair shop for my car after a claim with AMA?
Yes, you may select any repair shop for vehicle repairs after an insured loss. AMA can recommend a list of approved shops, which may make the claims and payment process easier and guarantee workmanship for as long as you own the vehicle. If you use a non-approved shop, you may need to pay up front and be reimbursed. It's best to confirm the process with your claims adjuster before repairs begin. Always keep all invoices and communications for your records.
Does AMA car insurance cover rental vehicles if my car is being repaired?
Rental vehicle coverage is available as an optional add-on to AMA car insurance policies. If you have selected this option, AMA will cover the cost of a rental car if your vehicle is undrivable due to a covered repair claim. The amount and duration covered are specified in your policy documents. You may have to use the provider specified by AMA for direct billing. Check your insurance contract or with your advisor to see if you have this coverage.
What discounts can I get with AMA car insurance?
AMA offers several discounts, including for members, bundling home and auto policies, using winter tires, completing driver education, and participating in usage-based programs like AMA MyRide. The actual amount varies depending on your profile and the discounts you qualify for, but members can save up to 10% or more. Ask your advisor about all available ways to save when getting a quote. Discounts can often be combined for greater savings. Keeping a clean driving record also helps lower your premium.
Do I have to pay in advance for repairs or assistance with AMA?
AMA does not require you to pay in advance for repairs covered by your insurance policy—when you use an AMA-approved repair shop, billing is usually direct between the shop and the insurer. For towing or assistance after a covered loss, AMA arranges and pays the service provider directly as part of the claims process. However, if you choose your own repair shop, you may need to pay and submit receipts for reimbursement. Always confirm with your adjuster before authorizing repairs. Make sure to clarify your deductible responsibilities at the time of service.
How do I cancel my car insurance contract with AMA?
To cancel your AMA car insurance contract, contact AMA by phone, online, or in person and provide your policy details, with 30 days’ notice and a signed cancellation request.
What documents do I need to file an AMA claim after an accident?
You will need your policy number, details of the accident, photos of the damage, and in some cases a police report (especially for theft, vandalism, or damages over $2,000). Complete the required forms through the MyAMA portal or provide them to your claims adjuster. The adjuster may also request driver’s licence and contact information of involved parties. Having these documents ready will speed up your claim. Report the incident as soon as possible after it occurs.
Can I choose any repair shop for my car after a claim with AMA?
Yes, you may select any repair shop for vehicle repairs after an insured loss. AMA can recommend a list of approved shops, which may make the claims and payment process easier and guarantee workmanship for as long as you own the vehicle. If you use a non-approved shop, you may need to pay up front and be reimbursed. It's best to confirm the process with your claims adjuster before repairs begin. Always keep all invoices and communications for your records.
Does AMA car insurance cover rental vehicles if my car is being repaired?
Rental vehicle coverage is available as an optional add-on to AMA car insurance policies. If you have selected this option, AMA will cover the cost of a rental car if your vehicle is undrivable due to a covered repair claim. The amount and duration covered are specified in your policy documents. You may have to use the provider specified by AMA for direct billing. Check your insurance contract or with your advisor to see if you have this coverage.
What discounts can I get with AMA car insurance?
AMA offers several discounts, including for members, bundling home and auto policies, using winter tires, completing driver education, and participating in usage-based programs like AMA MyRide. The actual amount varies depending on your profile and the discounts you qualify for, but members can save up to 10% or more. Ask your advisor about all available ways to save when getting a quote. Discounts can often be combined for greater savings. Keeping a clean driving record also helps lower your premium.
