Where you live affects your premium

The amount you pay for auto insurance depends in part on where you live. For the purpose of rate-setting, we divide B.C. into different "territories."

How we decide a vehicle’s territory

The territory on your insurance policy is determined by the address where you leave your vehicle when it’s not in use.

Residents of each territory pay a premium that reflects particular driving conditions and risks in their area. For example, commuters in the busy Lower Mainland typically pay more than those in an area with fewer crashes.

Most delivery and commercial vehicles have their territory set by the highest-rated territory in which the vehicle is driven.

Keep your insurance up-to-date

Your insurance policy must always show your current address (location) and vehicle use.

Important: If your policy isn’t up-to-date, in the event of a claim you might not be covered.

Before moving, go to any Autoplan broker and update your policy.

Territories in B.C.

When setting rates, we use the following territories:

• Lower Mainland
• Maple Ridge/Pitt Meadows
• Squamish/Whistler
• Pemberton/Hope
• Fraser Valley
• Thompson/Okanagan
• Kootenays
• Cariboo
• Prince George
• North Coast
• Peace River
• south Vancouver Island and other islands
• mid-Vancouver Island and Sunshine Coast
• north Vancouver Island

Limited-access islands

If you live on an island that cannot be accessed by bridge or regular ferry, you get a special low rate for your policy. Ask your Autoplan broker for details.