Rates as low as 3.9%
23:59:59
British Columbia Insurance Rates 2026

Compare Insurance Rates in British Columbia

Get instant quotes for auto, home, condo and tenant insurance from top Canadian insurers serving British Columbia.Note: British Columbia has public auto insurance.

$1,850/year
Avg Auto Insurance
$1,350/year
Avg Home Insurance
Public
Auto Insurance System

British Columbia Insurance System

British Columbia uses ICBC (Insurance Corporation of BC) for auto insurance. All basic auto insurance is provided through ICBC, with optional coverage available from private insurers.

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Understanding of British Columbia-specific insurance regulations

British Columbia Insurance FAQs

What is the average auto insurance cost in British Columbia?

The average auto insurance in British Columbia is approximately $1,850/year. Rates vary based on your driving record, vehicle, location, and coverage level.

Is British Columbia auto insurance public or private?

British Columbia has a public auto insurance system regulated by ICBC (Insurance Corporation of BC).

How can I lower my insurance rates in British Columbia?

You can lower rates by: bundling home and auto insurance (save up to 25%), maintaining a clean driving record, installing security systems, increasing deductibles, and comparing quotes from multiple insurers.

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