Auto Insurance

At InsureBC, we can help you save money on your car insurance. We specialize in both private and ICBC auto insurance and will work with you to ensure you have options when it comes to your optional auto insurance. We can shop around for you to make sure you receive the lowest car insurance rate in BC. We will also ensure you are aware of exactly what’s covered and for how much, given the various BC car insurance quotes, we will present to you.

Auto Insurance is Changing in BC

Starting May 1, 2021, ICBC has launched Enhanced Care Coverage. On average, drivers will save 20% on their full ICBC car insurance annual premiums and all British Columbians will have access to better care and recovery benefits if they’re hurt in an accident – regardless of who was responsible for the crash.

To find out how much you can save and to learn more about Enhanced Care and changes to your Auto Insurance visit the ICBC website.

How Does Auto Insurance Work in BC?

Getting a car insurance quote in Canada works differently depending on the province in which you reside. In BC, there are two components to your Auto insurance policyBasic Autoplan insurance is the minimum liability insurance coverage that a vehicle owner must purchase from the Insurance Corporation of BC (ICBC) before a motor vehicle can be operated on a BC highway.

Although the minimum required by law varies in different jurisdictions, in British Columbia the minimum limit for Third Party Legal Liability coverage is $200,000 for each vehicle (not including taxis and limousines).

Optional Autoplan insurance includes a variety of additional coverages that a vehicle owner may purchase. For more information regarding coverages included as well as optional coverages please visit our Optional Auto page or the ICBC website.

How Much Does Auto Insurance Cost in BC?

ICBC bases your car insurance premiums on a variety of factors including the principal operator’s driving experience, the territory of operation of the vehicle, the location of the vehicle when not in use, the use of the vehicle (pleasure only, business, artisan, etc.), the type of car, and any applicable discounts that may apply.

If you have more than 10 years driving experience and a good driving record, a private carrier may provide better value for your optional coverages. Ask one of our agents to see if private auto insurance is right for you.

Car insurance is expensive in Canada, particularly if you have recently obtained your driver’s license and do not have any driving experience.  Let one of our licensed team members assist you or your teenager with getting the best car insurance quotes for first-time drivers. They will reach out to all applicable insurance companies to find a good product for young drivers, while keeping the insurance cost as low as possible, saving you money.

How Do I Get Auto Insurance in BC?

We have 80 office locations throughout BC that offer ICBC insurance. With most open 6 or 7 days a week, that means there’s always a location nearby to assist you. We also have a number of offices that offer delivery services, so you don’t even have to leave your home to get your car insured. You can also contact us online and we can offer you car insurance quotes before you commit to making a purchase.

Let's find you the best possible coverage