How do I get car insurance in British Columbia?

I live up in Vancouver, B.C., and I'm shopping for car insurance for the first time. I know there's a basic level of coverage I need to get, but should I get any additional coverage? And where do I even start?

Answer
Start simple! You’re right—every driver in British Columbia is required to have ICBC Basic Autoplan insurance.
This primarily covers accident-related costs, including:
  • Medical costs
  • Income replacement
  • Basic vehicle damage
This is a good start, as it covers several important basics. However, a lot of B.C. drivers tend to buy additional coverage, such as collision or comprehensive, for security and peace of mind.
It all depends on what coverage is best for you, and what your own needs are!
Ben Guess
Answered on Nov 01, 2021
Ben has a BA in Journalism + Design from The New School, as well as three years’ experience in content writing and data journalism. They are deeply interested in how the car industry intersects with issues of inequity in the world, as well as in making auto insurance more accessible through writing. When they’re away from the keyboard, they enjoy baking, embroidering, and playing Dungeons and Dragons with friends. They are based in Boston, Massachusetts.
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