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The mandatory basic vs the channel: every BC vehicle pays ICBC Autoplan (basic) and must decide where to buy optional (collision / comprehensive / third-party). BCAA Insurance Agency packages ICBC basic + CAA Insurance Optional + member roadside into one quote, with the headline "Members save up to 20%" on the optional layer.
| Age 25 | $1,092–$1,092 |
| Age 35 | $1,092–$1,092 |
| Age 45 | $1,092–$1,092 |
| Age 55 | $1,092–$1,092 |
| Age 25 | $1,966–$1,966 |
| Age 35 | $1,966–$1,966 |
| Age 45 | $1,966–$1,966 |
| Age 55 | $1,966–$1,966 |
Skip membership, buy ICBC basic direct + optional from a broker → ICBC + broker. Want one quote, member benefits, and 24/7 roadside → BCAA.
Price ranges are rate-table estimates based on public industry data and regulatory approval trends; final premiums are subject to carrier underwriting.