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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).
| 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 |
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.
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.
You can buy through the channel without membership, but the "save up to 20%" discount is a member benefit. Membership ~$100/yr.
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.
Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.