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BC Assurance auto/BCAA Insurance (BCAA Insurance Agency) vs RSA Canada (Advantage Auto via BCAA)

BCAA Insurance (BCAA Insurance Agency) vs RSA Canada (Advantage Auto via BCAA) — Assurance auto en BC (2026)

Same channel, two private underwriters: BCAA Insurance Agency sells optional auto through two private underwriters — CAA Insurance Company ("BCAA Optional Car") and Royal & Sun Alliance Canada ("Advantage Auto"). They are priced differently; get a quote from both to see which is cheaper for your driver profile.

BCAA Insurance (BCAA Insurance Agency)
Page de la marque →
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.
$1,966–$1,966/an
≈ $163.83–$163.83/mois
Age 25$1,966–$1,966
Age 35$1,966–$1,966
Age 45$1,966–$1,966
Age 55$1,966–$1,966
Principaux rabais
  • ✓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)
RSA Canada (Advantage Auto via BCAA)
Page de la marque →
RSA Group is one of the world's oldest insurers (1710, UK); in BC the Advantage Auto product is sold through BCAA Insurance Agency as the second private optional alongside CAA Insurance's "BCAA Optional Car".
—/an
Age 25—
Age 35—
Age 45—
Age 55—
Principaux rabais
  • ✓BCAA Members save up to 20% on Advantage Auto (channel discount, applies on top of RSA pricing)
  • ✓Multi-vehicle discount when insuring 2+ vehicles through the same channel
Verdict

Both options are sold through BCAA Insurance Agency. Compare quotes from the same channel — pick the cheaper one for your driver profile, then layer in BCAA membership discount on top.

BCAA Insurance (BCAA Insurance Agency) — BCAA Optional Car (CAA Insurance) — most common BC optional
RSA Canada (Advantage Auto via BCAA) — Advantage Auto (RSA Canada) — second underwriter at the same channel
Obtenir mon estimation personnalisée →
BCAA Insurance (BCAA Insurance Agency)
Points forts
  • +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
À considérer
  • −Member fee required to get the headline discount (~$100/yr)
  • −Channel, not carrier: claim disputes go to the actual underwriter (CAA / RSA), not BCAA
RSA Canada (Advantage Auto via BCAA)
Points forts
  • +AM Best A (Excellent) parent group; 300+ year track record
  • +Federally regulated by OSFI (Canada) + PRA (UK parent)
  • +Direct broker in ON/AB if you move provinces; same brand
À considérer
  • In BC only sold through BCAA Insurance Agency (no direct broker access for BC residents)
Plus de comparaisons en BC
ICBC (Insurance Corporation of British Columbia) vs BCAA Insurance (BCAA Insurance Agency)

Les fourchettes sont des estimations issues des tables tarifaires et des tendances d’approbation réglementaire ; la prime finale dépend de la souscription par l’assureur.

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  • −No public rate table; quotes are agent-mediated (call or BCAA online)