Free British Columbia Insurance Finder
BC auto insurance quotes online & more

As a website dedicated in large part to British Columbia drivers - we strive to provide the best information about things that matter to motor vehicle drivers on British Columbia's public roads. From learning to drive in BC, to British Columbia License information, to getting BC auto insurance, and tips for keeping your insurance costs low. Our mission is to serve drivers. more...

When it comes to purchasing insurance in British Columbia, you have two main options.

Get Insurance Quotes Online

When you need BC auto insurance, a basic car insurance policy must be purchased through a government corporation, the Insurance Corporation of British Columbia or ICBC.  We can help you connect with AutoPlan broker and get quotes online from the comfort of your home.

British Columbia Insurance Brokers

BC insurance brokers use their experience and professional knowledge to help individuals and businesses properly assess their insurance needs. BC insurance brokers can be a great help with finding the best insurance products at the best price.

Find BC Insurance Brokers and Agents

Although British Columbia possesses a public auto insurance system, there are several other sorts of insurance that BC residents and businesses may require that aren't offered via ICBC.

When considering BC insurance consumers that may have unusual circumstances or difficulties obtaining the particular insurance they require, we suggest our BC insurance directory where you will find BC insurance companies, and BC insurance brokers and agents who serve the province that may be in a position to assist.

Professional insurance brokers servicing BC local areas, are required to intimately understand the coverage they sell, and they will be familiar with insurance savings and discounts that could apply to your situation. A competent broker can bring genuinely helpful person to person advice and support to local insurance customers, especially for more complex insurance requirements.

Many insurance companies and their representatives serve the British Columbia region with a huge diversity of insurance products.

A sampling of different BC insurance categories:

  • BC Auto Insurance
  • Commercial Insurance
  • Motorcycle Insurance
  • Critical Illness Insurance
  • Pet Insurance
  • Business Insurance
  • Liability Insurance
  • Classic Car Insurance
  • Travel Insurance
  • Property Insurance
  • RV Insurance
  • Boat Insurance
  • Title Insurance
  • Mortgage Insurance
  • Oil and Gas Industry Insurance
  • Home Insurance
  • Life Insurance

Tips to Getting Cheaper BC Auto Insurance

While all British Columbia auto insurance is issued by a government entity called the Insurance Corporation of British Columbia or ICBC, there are independent insurance brokers who can greatly enhance your insurance policy with additional limits and protections. Keep in mind that your particular rate will be determined by things like the amount of coverage you choose, your age and gender, the type of car you drive, where you live and your previous driving experience.

Check Your Driving Record

Many factors play into exactly how cheap or expensive BC insurance rates are for a particular kind of coverage. But one thing is certain, the riskier your driving record, the more costly your premiums will be.

Good Drivers Are In Demand

For obvious reasons, always drive in the safest manner possible - when it comes to car insurance, you'll also leave more money in your pocket. Good drivers are always a better risk to insure.

Multiple Policies Discounts

You may be able to save money on your overall insurance costs by getting a consolidated insurance policy for your auto, your house, motorbike and any other insurance products you may require through a broker.

BC Auto Insurance Coverage is Compulsory for All Drivers

The BC government requires drivers to have car insurance. Fortunately the ICBC offers more than just basic BC auto insurance coverage; they offer some flexible car insurance options to provide drivers with specific kinds of protection that they may desire. Keep in mind that some BC insurance brokers may be able to offer even more customization and flexibility above and beyond the basic ICBC Autoplan insurance packages.

Auto Insurance Providers

Auto Insurance Coverage Provider in BC are Government - ICBC (government) and private insurers compete for optional and excess coverage.

Coverage Limits

The minimum requirement is $200,000 for any BC auto insurance policy and must be clearly stated within the policy criteria.

Accidents Benefits

Provides benefits that you, certain family and passengers are entitled to receive if injured or killed in a collision. These benefits include income replacement; payment for medical treatment and rehabilitation costs; payment for funeral expenses and payment for grief counseling for family members etc.

Third Party Liability

Provides coverage in a situation where you are liable to pay for collision resulted damages to another person (injury/death) or damages to their property.

Motor Vehicle Insurance is Essential - Don't Drive Without It!

As per law, in order to drive in BC it is mandatory for all BC drivers to be covered under the minimum mandatory insurance coverage. Failure to carry valid auto insurance while operating a vehicle in BC can lead to numerous fines and place you in a sorely disadvantaged position when being considered for future Canadian motor vehicle insurance.

If you are found driving without a valid BC auto insurance policy you could be:

Your driving license could be suspended and your vehicle impounded

After being convicted of driving without valid auto insurance you could now be identified as a high-risk driver, which would put you at a disadvantage and prevent you from being able to enjoy future savings on insurance rates from any BC insurance providers

Fined anywhere from $5,000 to $50,000

If you are involved in an accident without a valid BC auto insurance policy you could be:

Denied the option to sue an at-fault driver for compensation for any injuries sustained during the accident.

Denied entitlement to receive any form of accidents benefits insurance for loss of income, hospital expenses etc

In the case of an at-fault accident, held personally responsible for the medical costs/losses incurred by the individual harmed

Why trust and use ICanDrive.ca ?

As a website dedicated in large part to BC drivers, we strive to provide the best information about things that matter to British Columbia residents who use motor vehicles on BC's public roads. From learn to drive in BC with the British Columbia Graduated Driver Licensing program, to BC Driving License information, to tips for finding the best, cheap BC car insurance quotes that British Columbia drivers need and want - our mission is to serve drivers - we've been at it since 2011. We can help you with tips, tools and reminders that drivers can really benefit from. Need a car or a car loan? Check out our car financing section, or search our rapidly growing Driver’s Directory to find a specialist insurance broker or agent. You can even challenge your own driving knowledge with a BC driving test. We invite you to explore all the free services we offer, including our guides on insurance, accidents, winter tires and most other topics that affect drivers in British Columbia.

We can also help you find good coverage for other BC insurance products as well, like BC motorcycle insurance, BC life insurance and BC home insurance. Just select the type of insurance coverage you need in our quoting tool, enter your postal code and click the "Start" button to compare quotes.

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