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Worry Less and Drive More with the 5 Best Car Insurance Companies in Vancouver

  • Coverage options – The provider should offer a good range of plans, including basic and full coverage, plus extras like roadside help or rental cars when needed.
  • Track record and reliability – We highlighted car insurers with consistent performance, positive feedback from drivers, and a reputation for handling claims properly.
  • Claims process – We looked at how straightforward it is to file a claim, how quickly claims are handled, and how transparent providers are about the process.
  • Accessibility –  We checked how easy it is to manage policies—whether online, through mobile apps, or by speaking to someone in person.
  • Availability and scheduling – We considered companies with convenient business hours, quick response times, and the flexibility to assist clients without long wait times.
  • Client support – We prioritized companies that are easy to reach and helpful when issues come up, especially in stressful situations.
  • Price – We compared rates across companies and gave preference to those that offer good value, along with discounts for things like safe driving or bundling with home insurance.

The other day, a friend swore that a curb “came out of nowhere” and slammed into his car. Sure, let’s pretend that the curb had a vendetta. His bumper was shredded right to the rear doors, and somehow, the airbags just sat that one out (thankfully, it wasn’t a total wreck).

When we asked if he had collision coverage, he hit us with a nope. So yeah, he paid for the whole mess out of pocket. Turns out, he wasn’t alone—half the group didn’t have any optional coverage beyond ICBC, and suddenly everyone was on the phone with an agent.

So we did the homework and reviewed the best car insurance companies in Vancouver because those curbs aren’t going anywhere. 

1. Waypoint Insurance

waypoint-insurance

Services: Auto, home, business, and personal insurance

Address: 3295 W Broadway

Contact Details: +1 604-731-4684

Operating Hours: Monday to Friday: 9 AM – 5 PM

Website

Google reviews score5/5
Yelp reviews score5/5
Total reviews5/5
Score consistency 5/5
Coverage options5/5
Track record and reliability5/5
Claims process5/5
Accessibility5/5
Availability and scheduling4/5
Client support5/5
Price (A higher score means better value)5/5

Waypoint offers a wide range of auto insurance products, like mandatory ICBC coverage, vehicle replacement, fleet vehicle insurance, and optional private coverage through partners like Family Insurance and Stratford. So you’ll have room to tailor your policies to fit your budget and needs.

The clients we spoke with often praised Waypoint’s staff for being professional, clear, and thorough. They don’t push unnecessary packages, and they take their time to explain your options so you can make an informed decision.  

For instance, renewing a policy can often feel confusing, but clients have noted that the team offers clear, responsive guidance throughout. 

Plus, people consistently mention how easy it is to renew their auto insurance over the phone. The staff are known for handling everything quickly and efficiently, turning what’s usually a chore into something surprisingly smooth and stress-free.

Just a heads-up, though: they’re closed on weekends, so if your weekdays are packed, you’ll need to plan ahead for calls or in-person visits. 

Still, it’s hard to ignore Waypoint’s solid reputation for offering flexible coverage and following it up with personable, reliable customer service, especially when it counts.

Pros

  • Offers a range of auto insurance options
  • Provides clear and thorough services
  • Smooth transactions and renewals

Cons

  • Closed on weekends

    Efficient in processing everything 

    “Had my auto insurance renewed over the phone and it went real smooth. BRANDON was very quick and efficient in processing everything and did it with a very accommodating personality. I’m glad renewing insurance is this easy.”

    FJT Frange, Google Review

    Helped me modify my auto insurance

    “Nelson helped me modify my auto insurance. In addition to being a pleasure to work with he was knowledgeable and helpful. It’s good to see a young man take pride in doing a good job. Brock Eurchuk”

    Brock, Google Review

    2. Western Coast Insurance Services Ltd.

    western-coast-insurance-services-ltd

    Services: Insurance: car, home, ICBC Renewal, life, farm, business, renter’s, and more

    Address: 445 W Broadway; 1075 W Georgia St #6

    Contact Details: +1 844-802-7628

    Operating Hours: 

    • Monday to Friday: 9 AM – 5 PM
    • Saturday: 9 AM – 4 PM

    Website

    Google reviews score4.9/5
    TrustAnalytica reviews score4.3/5
    Total reviews4/5
    Score consistency 4.6/5
    Coverage options5/5
    Track record and reliability5/5
    Claims process5/5
    Accessibility5/5
    Availability and scheduling4/5
    Client support4.5/5
    Price (A higher score means better value)5/5

    We like that Western Coast offers various car insurance options, from ICBC Autoplan renewals to extra coverage for different kinds of vehicles, and their team helps tailor each policy.

    Speaking of optional coverage, you can tack on things like loss of use, vehicle replacement, and uninsured motorist protection. 

    Another thoughtful detail we noticed is that if you’ve just bought a new car, imported one, or moved from out of province, their agents can guide you through the steps to get it insured and plated in BC.

    They also try to keep their rates competitive and work with you to find coverage that fits your budget.

    One thing to keep in mind: their West Georgia Street office is closed on weekends, so you’ll need to squeeze them into your weekday. We also came across a few mentions of delayed responses after initial contact. If you’re dealing with something time-sensitive, it helps to get a direct line to someone on the team.

    Nonetheless, Western Coast makes a strong case for anyone wanting more flexible, personalized coverage—they’re worth checking out.

    Pros

    • Comprehensive car insurance options
    • Provide assistance for newly bought cars
    • Can offer competitive rates

    Cons

    • Some branches are closed on weekends
    • Can improve response speed 

      Went above and beyond

      “Conchita was really helpful in assisting me with my car insurance. She went above and beyond to help me understand each details. Great customer service and work.”

      Akhil Menon, Google Review

      Best deal for car insurance

      “Very professional staff looking to get you the best deal there is for car insurance. Liam helped me out with my needs, great guy!”

      Riley Peters, Google Review

      3. AMC Insurance Service

      amc-insurance-service

      Services: Auto, home, commercial, and other types of insurance

      Address: 593 W 57th Ave

      Contact Details: +1 604-239-3164

      Operating Hours: 

      • Monday to Friday: 9 AM – 9 PM
      • Saturday: 9 AM – 7 PM
      • Sunday: 10 AM – 6 PM

      Website

      Google reviews score4.9/5
      Total reviews4/5
      Score consistency 5/5
      Coverage options5/5
      Track record and reliability4/5
      Claims process5/5
      Accessibility5/5
      Availability and scheduling5/5
      Client support4/5
      Price (A higher score means better value)5/5

      AMC takes a personalized approach to car insurance, building plans around your driving habits, vehicle type, and what coverage actually matters to you. So, whether you’re a new driver or someone cruising in a high-end ride, they focus on finding the right fit for your situation.

      If you’re new to BC or buying your first vehicle, their team does a great job walking you through the ICBC system. They make it easier to understand your options, especially when it comes to optional coverages and navigating all the fine print.

      We also commend how clearly they explain the details. You’ll know exactly what you’re paying for and what to expect in case of a claim—no confusion, no surprises. 

      On the downside, we did hear some complaints about administrative mix-ups, like mismatched signatures or tricky transfer situations. 

      But to their credit, AMC stays involved after the paperwork’s done, helping with renewals and claims so you’re not left figuring things out on your own.

      Pros

      • Great with personalization 
      • Walks you through the ICBC system
      • Transparent and clear pricing 

      Cons

      • Can improve handling client concerns 
      • Can improve communication speed

        Experienced good service

        “Went here not knowing how car insurance and registration work in BC. Fred was calm and explained everything concisely. Welcomed every question from me. Such a pleasant personality. Water was there for customers to grab. 6pm on Monday was a good time to visit. Experienced good service in a peaceful office. Highly recommend.”

        Hope Cho, Google Review

        Very pleasant and helpful

        “We walked in near the end of the work day with no appointment and were taken immediately with grace. Our agent was very pleasant and helpful, and took good care of us. Sushile is great,!”

        Joshua Corber, Google Review

        4. Stratis Insurance Agency Ltd.

        stratis-insurance-agency-ltd

        Services: Insurance: home, auto, condo, tenant, life, marine, travel

        Address: 6481 Oak St

        Contact Details: +1 604-566-6660

        Operating Hours: Monday to Sunday: 9 AM – 5 PM

        Website

        Google reviews score4.9/5
        Total reviews4/5
        Score consistency 5/5
        Coverage options5/5
        Track record and reliability4/5
        Claims process5/5
        Accessibility5/5
        Availability and scheduling5/5
        Client support4.5/5
        Price (A higher score means better value)4/5

        With over 100 years in the insurance industry, Stratis brings serious experience to the table. They don’t just handle the basics—they help you sort through ICBC coverage and build a plan that actually fits your driving habits and lifestyle.

        We found them to be highly convenient. You can handle your own policy setup or renewal remotely, and they’ll even send the paperwork straight to your door. It’s a smooth process, especially if you’d rather avoid office visits.

        Their team is also known for making things easy to understand. If you’re unsure about which optional coverages make sense, they’re great at breaking it all down without the jargon.

        That said, there have been a few hiccups. Some clients mentioned receiving blurry or hard-to-read documents, and a few noticed unexpected charges on their policies. 

        But hey, Stratis is quick to respond, fix the issue, and issue refunds when needed, which says a lot about how seriously they take their client concerns. 

        Pros

        • Over 100 years of experience
        • Highly convenient and accessible
        • Great at explaining 

        Cons

        • Some reports of administrative issues
        • Some unexpected charges

          Super helpful and amazing

          “Kathy Chan was super helpful and amazing to work with. It was time for my renewal and she did not just give me a quote but gave me options and walked me through the process. When I had questions, she was prompt on her response. Highly recommend dealing with her!”

          Jason Kwok, Google Review

          Reliable insurance support

          “James was incredibly helpful with my car and rental insurance needs. He’s always responsive, attentive, and willing to assist with any issues that come up. I highly recommend him to anyone looking for reliable insurance support!”

          Tiffany Huang, Google Review

          5. Westland Insurance

          westland-insurance

          Services: Insurance: auto, home, tenant, RV, marine and boat, travel, pet, cybersecurity, and more

          Address: 2110 Lahb Ave.

          Contact Details: +1 778-545-2044

          Operating Hours: 

          • Monday to Saturday: 9 AM – 5 PM
          • Sunday: 12 PM – 4 PM

          Website

          Google reviews score4.9/5
          Facebook reviews score4.3/5
          Yelp reviews score4/5
          Total reviews5/5
          Score consistency 4.4/5
          Coverage options5/5
          Track record and reliability4.5/5
          Claims process4.5/5
          Accessibility5/5
          Availability and scheduling4/5
          Client support4/5
          Price (A higher score means better value)5/5

          Westland Insurance has a strong footprint across Canada, with several branches around Vancouver. Their advisors are pretty familiar with the ins and outs of BC’s insurance system, so you’re likely to get advice that ticks your checklist.

          As an independent brokerage, they work with multiple insurers, giving you access to a range of coverage options and competitive rates that match your driving needs. 

          Another plus is how easy they make the process. You don’t have to drop everything and head to a branch—phone and email work just fine for renewals or new policies.

          And suppose you’re someone who qualifies for discounts, maybe your car has modern safety features, or you don’t rack up many kilometres. In that case, they’ll often flag those savings upfront. 

          Of course, it’s not always perfect. Some people have felt their renewals weren’t handled with enough care, and that kind of inconsistency can be frustrating. 

          Regardless, Westland has the tools and options to meet your needs, especially if you like having many choices. 

          Pros

          • Highly familiar with the insurance landscape
          • Works with many insurers
          • Accessible and convenient means

          Cons

          • Some reports of inconsistent services
          • Can improve speed of responses

            Exceptional service

            “Kiran at Westland Insurance provided exceptional service for car insurance quote. Her professionalism and dedication are truly appreciated. Highly recommend Kiran and the Westland team for your insurance needs.”

            Jasil, Google Review

            Easy, quick, and efficient 

            “Renewing my vehicle insurance over the phone with Nasim Salehi was easy, quick, and efficient. She was very polite and helpful.”

            Melanie Watson, Google Review

            FAQs about Car Insurance in Vancouver

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