ICBC Car Insurance & Private Auto Coverage in Vancouver, BC
Everything Vancouver Drivers Need To Know About ICBC
Car Insurance in Vancouver, British Columbia: ICBC (The Insurance Corporation of British Columbia)
Average cost: $1000-$5000 / year
ICBC car insurance is mandatory for all BC drivers
Getting insured with ICBC in Vancouver helps you to protect yourself, your vehicle, and your finances. Whether you're commuting daily, running errands, or enjoying British Columbia's scenic drives, having a reliable ICBC auto insurance policy means you're covered in case of accidents, theft, or unexpected damages. At our Western Coast locations in Vancouver, we specialize in helping drivers secure the best auto insurance rates while ensuring they meet all British Columbia car insurance requirements.
What Is ICBC? How Car Insurance Works in Vancouver, BC
If you're driving in Vancouver, BC, you'll need to register for ICBC car insurance coverage. ICBC does have a monopoly on basic car insurance coverage in BC, but it competes against other insurers for all optional car insurance coverages. At Western Coast, we make the process convenient by comparing car insurance quotes, helping you find the right provider at the best price.
Driving in British Columbia comes with its own set of challenges, from city traffic in Vancouver to scenic highways, rural tracks, and unpredictable weather. That’s why having the right optional coverages is essential. Whether you're a new driver looking for first-time car insurance or reassessing your policy, understanding how ICBC car insurance works will help you stay safe on the road.
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Visit One of Our Vancouver Insurance Broker Locations
We believe car insurance should be personal—which is why our expert brokers are available right here in Vancouver to meet with you face-to-face.
Whether you prefer to discuss your coverage in person or want help choosing between policy options, our teams are ready to help at our convenient Vancouver locations:
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Over 40 Years of Dedicated Service
For over four decades, Western Coast Insurance Services has built a legacy rooted in personalized service, community connection, and professional insurance expertise. Originally founded as Coast Capital Insurance Services, we began with a simple but powerful mission: to help individuals and businesses in British Columbia protect what matters most.
In 2014, we proudly joined the Western Financial Group family, a trusted name in insurance across Canada. This transition marked a new chapter for our organization as we rebranded to Western Coast Insurance Services — uniting the local strength of Coast Capital with the national resources and stability of Western. While our name changed, our people, our commitment, and our purpose remained steadfast.
Our rebranding was more than a name update — it was a strategic evolution that allowed us to expand our product offerings, deepen our service capabilities, and reinforce our commitment to customers throughout B.C. The brokers you’ve trusted for years are still here, offering the same thoughtful advice, now backed by broader support and a stronger national network.
Today, we continue to serve British Columbians from Vancouver Island to the Lower Mainland and beyond, delivering tailored personal and business insurance solutions with the same local expertise that’s been the foundation of our success since day one. Whether you need ICBC coverage, home insurance, or a customized commercial policy for your business, you can count on us to guide you with knowledge, honesty, and care.
What’s Included in ICBC Basic Autoplan Coverage in Vancouver, BC?
Every driver in Vancouver and across British Columbia is legally required to carry ICBC Basic Autoplan coverage. It’s the mandatory minimum that gets you on the road and provides essential protection—but only for the basics. Here’s what’s included for Vancouver drivers:
Accident Benefits
If you're injured in a crash—whether you’re driving along Broadway, walking near Robson Street, or biking through False Creek—Accident Benefits coverage helps cover medical and recovery costs. This includes:
- Chiropractic and physiotherapy treatments
- Counseling and psychological support
- Dental care and rehabilitation services
- Home support if you’re unable to perform daily tasks
- Wage loss replacement and recovery benefits
Third-Party Liability (up to $200,000)
Covers damage you cause to other people’s vehicles or property anywhere in BC. In Vancouver, this might include:
- Property damage such as hitting a storefront in Kitsilano or a fence in East Van
- Business interruption caused by an accident in a commercial area like Main Street or Gastown
- Environmental cleanup costs from fluid leaks or spills
- Legal liability if you’re at fault in a crash while driving outside BC
Note: The $200,000 limit is the default. Most Vancouver drivers choose to increase this with Extended Third-Party Liability coverage for extra peace of mind.
Underinsured Motorist Protection
If you’re seriously injured in a crash with a driver who doesn’t have enough insurance—common on busy routes like Highway 1 or the Lions Gate Bridge—this protection helps cover:
- Medical and rehabilitation expenses
- Wage replacement if you’re unable to work
- Funeral costs and survivor benefits
Hit-and-Run Protection
Provides up to $200,000 in coverage if your vehicle is hit by an unidentified driver. Whether it happens downtown, in a crowded parking lot at Metrotown, or overnight in a residential neighbourhood, this coverage helps cover the cost of repairs.
Optional ICBC & Private Car Insurance Coverages in Vancouver, BC
ICBC Basic Autoplan doesn't cover your own vehicle if you're at fault. That’s why many Vancouver drivers choose optional ICBC or private insurance to boost their protection.
Our local brokers at Western Coast can help you customize your policy with smart add-ons:
Collision Coverage
Helps pay for repairs or replacement if you're at fault in a crash—or in a hit-and-run on Vancouver’s busy roads or parking lots.
Comprehensive Coverage
Protects against non-collision risks like:
- Theft, vandalism, and fire
- Animal collisions
- Glass and weather-related damage
Extended Third-Party Liability
Increase your coverage limit beyond $200,000—up to $5 million—to protect against lawsuits and high injury claims.
Loss of Use
Covers rental cars, taxis, or transit if your vehicle is being repaired after a covered claim.
New Vehicle Replacement
Ideal for new cars: replaces a written-off vehicle with a brand-new model and protects from depreciation.
Special Equipment Coverage
Protects permanent customizations like upgraded sound systems, wraps, or lifted suspensions.
Travel & Rental Packages
Bundle protection for out-of-province rentals, roadside help, and emergency travel incidents.
How Much Does Car Insurance Cost in Vancouver, BC?
Vancouver drivers often pay more for car insurance compared to other cities in BC. Factors like heavy traffic, higher accident rates, and elevated repair costs in the Lower Mainland contribute to the premiums. On average, you can expect to pay:
- $1,600 to $2,300 per year for full ICBC coverage with optional upgrades
- $1,100 to $1,500 per year for Basic Autoplan with minimal add-ons
- $850 to $1,150 per year for low-risk drivers with clean records
Your rate will vary based on factors like:
- Your driving experience and at-fault crash history
- Your ICBC driver discount level
- Where your car is kept overnight—garage, driveway, or street
- Vehicle make, model, and built-in safety features
- How often and why you drive (commute, business, or personal use)
Tips to Save on Vancouver Car Insurance
- Keep a clean driving record to increase your ICBC discount
- Bundle auto with home or tenant insurance
- Choose higher deductibles to lower your monthly premium
- Install winter tires and approved anti-theft devices
- Ask about usage-based insurance if you drive infrequently
Vancouver Car Insurance FAQs
Is ICBC insurance mandatory in Vancouver?
Yes. All drivers in British Columbia must carry ICBC Basic Autoplan coverage. It’s the legal minimum and includes liability, accident benefits, and hit-and-run protection.
Does ICBC cover damage to my own car?
Not under Basic Autoplan. You’ll need to add Collision and Comprehensive coverage through ICBC or a private insurer to cover your own vehicle.
What if I'm hit by an uninsured driver?
ICBC includes Underinsured Motorist Protection (UMP) up to $1 million. You can purchase higher limits if needed for serious injury claims.
Can I use my personal car for work or delivery?
Maybe. If you use your vehicle for business or delivery services, you’ll need to let us know. It may require commercial use coverage not included in standard policies.
How can I reduce my car insurance costs?
Drive safely, bundle your auto and home policies, install anti-theft devices, and opt for higher deductibles. Staying claims-free also earns ICBC discounts over time.
Why Choose Western Coast Insurance for Car Insurance in Vancouver?
We’re not just an insurance provider—we’re part of your community. Our Vancouver team understands the traffic, parking challenges, and risks that come with driving in one of Canada’s busiest cities.
Here’s what sets us apart:
- We’re a broker: We partner with ICBC and private insurers to help you compare options and get the right coverage at the best rate.
- Local expertise: Whether you commute through Burnaby, park downtown, or live in East Van or Kitsilano, we know the insurance needs of Vancouver drivers.
- Guided claims support: If you’re in a collision or need help filing a claim, our team will walk you through every step of the ICBC process.
- Custom auto coverage: From Basic Autoplan to collision, comprehensive, and optional add-ons like rental or travel protection, we tailor your policy to your lifestyle.
- Real people, real help: Speak with a broker in person, over the phone, or online for support with quotes, renewals, or changes.
Get a Personalized Car Insurance Quote in Vancouver Today
Drive with confidence knowing you’re backed by local experts. We make car insurance in Vancouver simple—with flexible coverage and real support when you need it.
Western Coast Insurance Services Ltd. is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.