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BC Auto Insurance/BCAA Insurance

BCAA Insurance Auto Insurance in BC (2026)

BC provincial champion

BCAA Insurance (BCAA Insurance Agency)

BCAA is the BC member channel that holds 1 in 3 BC households. Buy optional auto through BCAA to get the published "Member save up to 20%" discount on top of the CAA Insurance / RSA Canada underwriter pricing.

BCAA Insurance (BCAA Insurance Agency) is a BC provincial champion: BCAA is the BC member channel that holds 1 in 3 BC households. Buy optional auto through BCAA to get the published "Member save up to 20%" discount on top of the CAA Insurance / RSA Canada underwriter pricing.. BCAA Insurance Agency is a sales channel, not a carrier. It bundles ICBC basic with optional from CAA Insurance ("BCAA Optional Car") or RSA Canada ("Advantage Auto"), plus home/travel/life/pet/RV. The "save up to 20%" discount comes from the channel (BCAA members pay a separate membership fee, BCAA uses commission + member revenue to fund the discount).

Estimated Auto Insurance range with BCAA Insurance (BC)
$1,966 / year
Estimated range: $1,966–$1,966/yr · ≈ $163.83–$163.83/mo
Get your personalized estimate →
Type
Member-based insurance AGENCY (sells for CAA Insurance Company + RSA Canada for auto optional)
Channel
BCAA Insurance Agency (Burnaby BC) — sells 12 product lines through B.C.A.A. Holdings Ltd.
Founded
1906
AM Best
Sells through underwriters: CAA Insurance Company, RSA Canada, BCAA Insurance Corp, Northbridge, Securian Canada

BCAA Insurance Auto Insurance estimates

By driver age
Age 25$1,966–$1,966/yr
Age 35$1,966–$1,966/yr
Age 45$1,966–$1,966/yr
Age 55$1,966–$1,966/yr
Insurance pricing depends heavily on underwriting details (health, driving record, property specifics), so your actual premium usually lands within this estimated range.

Where BCAA Insurance sits in the BC Auto Insurance market

#8 cheapest of 8 quoting carriers
$1,966
68% above the market median
Market median
$1,170
Full spread
$1,040–$1,966

Compared at By driver age 35 · $2,000,000, taking each carrier lowest quote. Figures come from this site rate engine and move with the rate tables.

Key discounts

✓BCAA Members save up to 20% on optional auto (BCAA marketing claim, 2026)
✓Bundle BCAA Home + Auto: multi-line discount
✓24/7 roadside included free with BCAA Membership (separately, not bundled in insurance)
Pros
  • +Member discount: 1 in 3 BC households are members; average fee ~$100/yr
  • +Multi-product bundle: home + auto + travel in one quote
  • +Headquartered in Burnaby, BC; 24/7 call center 1-888-268-2222
  • +Real underwriter competition: choose CAA Insurance OR RSA Canada for optional auto
Things to consider
  • −Member fee required to get the headline discount (~$100/yr)
  • −Channel, not carrier: claim disputes go to the actual underwriter (CAA / RSA), not BCAA
  • −"Save up to 20%" is a marketing claim, not a published rate; actual discount depends on driver profile

What the data says

BCAA disclosure page lists CAA Insurance Company (BCAA Optional Car) and RSA Canada (Advantage Auto) as actual auto underwriters
bcaa.com/insurance/disclosure-statement · 2026
Commission rates disclosed: Home 25% new / 15% renewal; Travel 38%/38%; Travel Accident 50%/15%; auto "various"
bcaa.com/insurance/disclosure-statement · 2026

FAQ

Is BCAA the underwriter or a channel?

BCAA Insurance Agency is a sales channel. The actual underwriter for "BCAA Optional Car" is CAA Insurance Company; for "Advantage Auto" it is RSA Canada; for home/travel it is BCAA Insurance Corporation.

Do I need BCAA membership to buy BCAA Optional Car Insurance?

You can buy through the channel without membership, but the "save up to 20%" discount is a member benefit. Membership ~$100/yr.

BCAA Optional Car vs Advantage Auto — which is better?

Both are private optional coverages. They are priced differently and use different underwriter rate tables. Get a quote from both to compare — your driver profile (age / vehicle / driving record) determines which is cheaper.

Other BC provincial champions
ICBC (Insurance Corporation of British Columbia)RSA Canada (Advantage Auto via BCAA)
Compare BCAA Insurance
BCAA Insurance (BCAA Insurance Agency) vs ICBC (Insurance Corporation of British Columbia)BCAA Insurance (BCAA Insurance Agency) vs RSA Canada (Advantage Auto via BCAA)
Other lines from BCAA Insurance
Home InsuranceCondo InsuranceRenters Insurance

Canadian insurance carriers →

Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.