Open ProvincesCar insurance in British Columbia: what is compulsory and where to buy it
How car insurance works in British Columbia: public or private model, the compulsory coverage and the proof you need to register a vehicle, from the official pages.
Compulsory insurance and where to buy it
Public basic insurance, compulsory: ICBC (the Insurance Corporation of British Columbia) sells the mandatory basic insurance, and optional extra coverage is available from ICBC and from private insurers. See ICBC for the current basic coverage and how to buy it when you register.
Minimum liability limits are the legal floor: most drivers buy more. Some figures come from older handbooks or archived copies of the law, as noted: confirm with the registry or regulator before relying on them. Your premium depends on your record, vehicle and territory, and shopping around is allowed where insurance is private. Rules, fees and programs change and were read on 2026-11-14: confirm with the official source. General information, not legal advice. Quebec follows its own rules: see atlasquebec.ca.
Guides for this province
- Renting in British Columbia: rights, rent increases and average rents
- Working in British Columbia: minimum wage, standards and wages
- Moving to British Columbia: health card, driver's licence and taxes
- Cost of living in British Columbia: prices, rent, wages and taxes
- Buying a home in British Columbia: land transfer tax, rebates and first-time buyer help
- Health care in British Columbia: health card, drug plans and dental help
- Studying in British Columbia: tuition, student aid and grants
- Seniors in British Columbia: pensions, supplements and programs
- Taxes in British Columbia: income tax rates, sales tax and take-home pay (2026)
- Families in British Columbia: child benefits and family programs
- Documents and ID in British Columbia: birth certificate and change of name
- Starting a business in British Columbia: register a name, GST/HST and licences
- Problems and disputes in British Columbia: consumer complaints, small claims, workplace injury and legal aid
- Driving and vehicles in British Columbia: switching your licence and what is required
- Photo ID card in British Columbia without a driver's licence: who can apply, documents and fee
- Getting married in British Columbia: marriage licence, fees and documents
- Health card in British Columbia: who qualifies, waiting period and how to register
- When someone dies in British Columbia: death certificate, estate and probate
- Registering a child for school in British Columbia: age, documents and where to sign up
- Child care in British Columbia: fees, finding a space and subsidies
- Immigrating to British Columbia: nominee program, steps and processing times
- Accessible parking permit in British Columbia: how to apply
- Alcohol rules in British Columbia: legal age and where to buy
- Car insurance in British Columbia: what is compulsory and where to buy it
- Cannabis rules in British Columbia: legal age, where to buy and where to use
- Disability income and supports in British Columbia: how to apply
- Prescription drug coverage in British Columbia: public plans and how to enrol
- Emergency preparedness in British Columbia: alerts, evacuation and your 72-hour kit
- Separation, parenting and child support in British Columbia: free help and enforcement
- Help for family violence and victims of crime in British Columbia
- Fishing and hunting licences in British Columbia: where to buy and what you need
- Health advice line (811) in British Columbia: speak to a nurse any time
- Indigenous relations and services in British Columbia: who does what
- Marriage licence fee in British Columbia
- New drivers in British Columbia: graduated licensing stages and minimum ages
- Provincial parks and camping reservations in British Columbia
- Probate fees in British Columbia: what an estate pays
- Social assistance in British Columbia: how to apply for income support
- Social housing and rent help in British Columbia: how to apply
- Student loans and grants in British Columbia: where to apply
- Voting in British Columbia: register, check your status and find your election office
- Wills, powers of attorney and health care directives in British Columbia