
Kelowna Car Insurance
Acera Insurance provides reliable auto insurance in Kelowna
Auto insurance doesn’t have to be complicated. Our expert car insurance advisors in Kelowna are here to make it easy to understand your coverage options, and will work with you to choose the best protection options for you, your loved ones and your vehicles.
Kelowna auto insurance: ICBC policies
Everyone’s basic auto insurance in Kelowna, and the rest of British Columbia, is purchased through ICBC, which provides universal auto insurance to all motorists in the province. This coverage package is called Autoplan, and while it covers the basics, most people need more.
Basic auto insurance in Kelowna includes:
- Third-party liability: This covers damages or injuries caused by your vehicle to property up to $200,000
- Enhanced Care: This pays for medical expenses and loss of income if you are injured in an accident, regardless of who was at fault.
- Basic vehicle damage: This covers damage to your vehicle to the extent you are not at fault (does not include hit and run).

Optional auto insurance provides you with the opportunity to choose what type of coverage you want and how much you want to pay for it.
Available ICBC discounts for Kelowna drivers
Are you entitled for car insurance discounts? ICBC discounts are available for:
- Disability
- 10 years of driving experience
- Seniors (over 65 years)
- Years of claims-free driving
Connect with one of our licensed ICBC insurance brokers in Kelowna to learn more.
Kelowna drivers, renew your ICBC Autoplan today
Did you know you can now renew your ICBC insurance online? It’s quick, it’s simple and it’s convenient. For each driver on the policy, you’ll need to provide a valid B.C. driver’s license number as well as their date of birth. You’ll also need to send a photo of your vehicle’s odometer.
Renew BC Auto Insurance Online
If eligible, you can renew your insurance online with ICBC.
Request BC Auto Insurance Renewal
Simply complete our form and speak to an Acera advisor.
The benefits of working with a Kelowna auto insurance broker
At Acera Insurance, we can help you secure your standard ICBC auto coverage, in addition to enhanced, private insurance coverage. Our Kelowna auto insurance team are here to help you understand the differences between government auto and private auto insurance, so that you can make an informed decision on your coverage. We also offer flexible hours. Our offices open early and close late, so you can visit at a time that works best for you. Plus, we provided dedicated claims support. Our in-house claims team is here to help you every step of the way. Our team will advocate on your behalf to expedite the claims process as quickly and efficiently as possible.

Why choose Acera insurance for your Kelowna auto coverage?
Auto expertise and dependable service when you need it most, that’s us.
Auto Insurance Experts
Our Kelowna auto insurance brokers advise on the best coverage options for you based on your needs.
Multiple Ways to Save
We offer excellent rates on private auto coverage with access to multiple insurance companies.
Emergency Claims Reporting
Our emergency line is 24/7 in the event you need to report an auto claim.
Private insurance options in Kelowna
Did you know you have options for your car insurance? While the basic ICBC Autoplan is mandatory, we also have private insurance options available to create customized coverage for all your needs.
While you need to purchase your basic insurance through ICBC, your optional coverages, like extended third-party liability, collision, comprehensive and roadside assistance, can be purchased through certain private insurers.
For some people, purchasing these additional auto insurance coverages through private insurers can be more affordable or a better coverage fit.
Additional auto coverage and the benefits of Optiom
Optiom is an additional product that can be purchased for replacement coverage on your vehicle that’s up to 10 years of age, with some exclusions.
Brand New Vehicle Replacement:
- Current and prior year vehicles under 25,000 kilometres are eligible for up to 84 months of coverage.
- Gives you peace of mind knowing that you are guaranteed the MSRP of your vehicle at the time of a total loss within those seven years.
- Helps to pay off any remaining loan amounts owed if your vehicle is financed at the time of loss.
- Should there be a loss to your vehicle and ICBC opts to repair rather than write your vehicle off, original equipment manufacturer parts are used rather than generic or rebuilt parts. This is especially useful for leased vehicles. If there is an accident and repairs were made with generic or rebuilt parts, when you turn your lease in, they will go over the vehicle, remove any aftermarket parts and install OEM parts at cost to you.
Used Vehicle Replacement:
- Current and prior year vehicle models up to 10 years old over 25,000 kilometres are eligible for 36-60 months of coverage.
- Guarantees the Black Book Value at the time of the application and that price will be locked in for your entire policy term, ensuring the value of your vehicle will not depreciate in the event of a total loss during that period.
Eligibility Requirements:
- You must maintain collision and comprehensive coverage.
- Vehicle’s may not have a modified, rebuilt or have salvaged status.
Kelowna Auto Insurance FAQs
The cost of auto insurance in Kelowna depends on the number of years of driving, at-fault accidents, in some cases, the number of motor vehicle tickets received in a year, what type of vehicle is being driven, and the coverage that is being carried. To get a free, no obligation auto insurance quote, connect with one of our Kelowna car insurance brokers today.
Yes, but it’s important that you tell your broker that you use your vehicle for commuting to and from work. How you use your vehicle affects the rate class used to determine the insurance premium you pay.
Implemented in May 2021, Enhanced Care coverage saves drivers money on their insurance – approximately 20 per cent or $400, on average. How? The costs previously associated with the litigation-based system, like those for lawyers and legal fees, are largely removed. Those savings go toward lowering rates and improving benefits.
Auto insurance insights for your everyday.
-
What every Canadian RV owner needs to know about insurance
Must-know insurance tips for RV-loving Canadians to camp smarter, stay covered and enjoy the great outdoors.
-
Why you should talk to an insurance expert first before buying a luxury vehicle
Our Signature by Acera Insurance advisors can help you navigate the complexities of insuring exotic cars, from underwriting to finding…
-
Endorsements 101: What They Are and How They Protect You
Explore five common home and auto insurance endorsements and discover how they can add valuable protection to your policy.
Ready to get your free Kelowna auto insurance quote?
Simply complete our online form to receive free, no obligation quotes and advice from an expert broker.