5 Best Car Insurers in Vancouver

Choosing the right car insurance provider in Vancouver can be challenging with so many options available. Fortunately, we’ve done the legwork for you.

Having previously reviewed top insurance companies in Ottawa and Toronto, we’ve now zeroed in on Vancouver. We analyzed various brokers, agencies, and providers based on their services, customer reviews, and overall value.

In this post, we’ll explore the best car insurance companies in Vancouver, answer frequently asked questions, and provide tips on selecting the best insurance policy to suit your needs.

How Much Do Car Insurance Policies Cost in Vancouver?

Insurance costs can vary significantly due to factors like coverage level, vehicle type, and mileage. Despite online quote calculators, exact figures are often inconsistent. Here’s a look at the average annual premiums across Canadian provinces:

British Columbia: $1,832
Ontario: $1,528
Alberta: $1,316
Quebec: $717
Canadian Average: $1,320

British Columbia has the highest premiums, with Alberta paying $500 less and Quebec having the lowest rates. The high costs in BC are partly due to less competition and rising insurance expenses. To address this, BC’s government has introduced a no-fault system, potentially reducing rates by 20%. However, insurance premiums may still rise, so it’s wise to compare quotes and evaluate if optional coverage is necessary to keep costs down.

Top Car Insurance Providers in Vancouver

1. BCAA

Website: bcaa.com
Address: 428 SW Marine Dr, Vancouver, BC V5X 0C4
Contact: 1-888-268-2222
Hours: Mon-Fri: 8 AM – 6 PM; Sat: 9 AM – 5 PM

Pros: Extensive coverage options, multiple locations, excellent convenience, first-accident forgiveness. Cons: Limited to weekdays for operations, some complaints about non-auto insurance services.

BCAA is a well-established provider with over 20 locations in Vancouver. They offer a broad range of services, including comprehensive car insurance packages. Notable features include free tire repair, guaranteed car repairs, and one accident forgiveness. Members receive a 20% discount on optional car insurance.

Customer Reviews: Praised for competitive pricing and helpful services.

2. Westland Insurance

Website: westlandinsurance.ca
Address: 715 W 16th Ave, Vancouver, BC
Contact: 1-800-899-3093, 1-604-876-3366
Hours: Mon-Fri: 9 AM – 5 PM

Pros: Extensive network, proactive renewal reminders, vehicle replacement coverage. Cons: Closed on weekends.

With around 190 locations across Canada, Westland Insurance offers robust coverage and excellent renewal reminders. Their optional insurance includes vehicle replacement, though they’re only open on weekdays.

Customer Reviews: Appreciated for knowledgeable staff and competitive rates.

3. AMC Insurance

Website: amcinsurance.ca
Address: 715 W 16th Ave, Vancouver, BC
Contact: 1-800-899-3093, 1-604-876-3366
Hours: Mon-Fri: 9 AM – 5 PM

Pros: Fast service, wide range of providers, vintage car coverage. Cons: Limited website information, only one Vancouver location.

AMC Insurance stands out as a broker with access to multiple providers, including coverage for classic cars. Despite a basic website, their swift service and variety of options make them a strong contender.

Customer Reviews: Known for competitive rates and efficient service.

4. Insure BC

Website: insurebc.ca
Address: 8457 Granville Street, Vancouver, BC V6P 4Z9
Contact: +1 604 261 4255, emak@insurebc.ca
Hours: Mon-Fri: 9 AM – 6 PM; Sat: 9 AM – 5 PM

Pros: Large network of locations, responsive staff, wide range of insurer options. Cons: Website lacks detailed policy information.

Insure BC, established in 1988, offers access to policies from major insurers like Aviva and Intact Insurance. They provide a wide selection of insurance options but could improve their website’s detail.

Customer Reviews: Praised for efficiency and competitive rates.

5. Allwest Insurance

Website: allwestinsurance.com
Address: 315 – 1681 Chestnut Street, Vancouver BC V6J 4M6
Contact: 1-855-615-1565, 1-855-952-4193, info@allwestinsurance.com
Hours: Mon-Fri: 9 AM – 5 PM

Pros: Home delivery of policies, extensive coverage options. Cons: Limited office locations, closed on weekends.

Allwest Insurance is notable for delivering policies directly to your home, enhancing convenience. Despite fewer office locations, their comprehensive service and unique delivery option make them stand out.

Customer Reviews: Commended for timely delivery and responsive staff.

Choosing the Right Car Insurance Provider

When selecting a car insurance provider, consider the following:

Coverage: Ensure the policy offers the protections you need beyond the mandatory coverage.
Reviews: Look for customer feedback on service speed, claim payments, and overall satisfaction.
Discounts: Inquire about potential savings, especially if you have a clean driving record, low mileage, or multiple policies.

By evaluating these factors and comparing options, you can find the best car insurance provider to meet your needs in Vancouver.

5 Best Car Insurers in Vancouver

How Much Do Car Insurance Policies Cost in Vancouver?

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