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Best car insurance, home insurance, and business insurance in Surrey, British Columbia

Looking for car insurance, ICBC renewals, home, business, farm, or life coverage? Our Surrey, BC team has been the trusted local choice for over a century, delivering expert advice and personalized solutions you can count on.

As brokers for Canada’s top insurance providers, we compare options nationwide and handle the details to secure the best coverage at competitive rates— insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim. 

Contact us today for a FREE quote and protect what matters most!

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Why Choose Western

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We shop across trusted providers to find you the best personal or commercial insurance coverage.

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Reviewed by Canadians in our communities nationwide.

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Serving Canadians Since 1905 
Over a century of experience delivering trusted insurance solutions.

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Our local insurance experts understand your specific needs.

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Get covered fast with hassle-free, same-day insurance solutions.

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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.

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Your local Canadian insurance broker in Surrey, BC.

At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:

  1. Car Insurance – Protect your vehicle with affordable and reliable coverage.
  2. Home Insurance – Secure your home and belongings from unexpected events.
  3. Business Insurance – Safeguard your business operations with tailored policies.
  4. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  5. Life Insurance – Plan for the future and protect your family’s financial security.

We also provide insurance solutions for local welders through the Christian Labour Association of Canada (CLAC). Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia. 

Proudly Supporting the Surrey Community

Surrey, British Columbia is located nearby to the Fraser River and just north of the Canada-United States border. As well, the city is a member municipality of the Metro Vancouver district. Don’t miss Peace Arch Provincial Park, Queen’s Park and the White Rock Pier.

Your Western Coast Insurance Services Clayton Crossing (Surrey) branch offers car and truck insurance, home insurance, business insurance and boat insurance. We access many other products as well.

A supporter of our Western Communities Foundation, we’ve donated over $2,000 to the Surrey community by way of bursaries awarded to many well-deserving students.

As industry leaders for over 40 years, we are dedicated to serving you the right insurance in Surrey, British Columbia and from our other branches on Vancouver Island and the Lower Mainland.

At our Surrey branch, we have competitive rates and outstanding customer service. We’ll listen to your concerns and help you customize a policy that fits your needs today and as they change. You’re at home with Western Coast Insurance Services.

Living in Surrey? Here's Everything You Need To Know About...

Comparing Insurance Options Across Canada

Q: What does an insurance broker do?
A: Western's insurance brokers find the best insurance package at the right price.

Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and stress by hand-selecting the best insurance quotes nation-wide to match your specific needs and helping you compare them.

Whether you want to protect your home, business, farm, or vehicle, working with an insurance broker is a smart move. Navigating all the insurance options out there can be tricky and time-consuming on your own. We make sure you get great rates and a service guarantee to safeguard your best interests!

What do I need to know about car insurance in Clayton Crossing, Surrey?

In British Columbia, Basic Autoplan from ICBC is mandatory for all drivers. It includes third?party liability, accident benefits, underinsured motorist protection, and basic vehicle damage coverage, each with minimum limits of $200,000.

Optional coverage, such as collision, comprehensive, extended third?party liability, and loss?of?use, can be purchased either through ICBC or an insurance broker like Western, where we compare prices across many providers to find you the most competitive rates.

Clayton Crossing is a fast?growing residential hub with heavy commuter traffic along Fraser Highway and 64 Avenue. Like all BC drivers, Surrey residents must carry ICBC Basic Autoplan, which includes third?party liability, accident benefits, and underinsured motorist protection.
High vehicle density and frequent stop?and?go patterns in Clayton’s townhouse?dense developments mean many drivers add collision and comprehensive coverage.

What is the average cost of car insurance in Surrey, BC?

Most Surrey drivers pay between $1,500–$2,000 annually, depending on vehicle type, driving history, and chosen coverage. New drivers tend to pay more, sometimes exceeding $3,000 annually, while experienced drivers tend to pay closer to the BC average.

How can I reduce the cost of my auto insurance in Cloverdale? 

To lower your auto insurance premiums in Surrey, consider several proven strategies:

  • Safe driving history = lower premiums. 
  • Use ICBC’s distance?based discounts where eligible. 
  • Bundle optional coverage via private insurers for competitive pricing - we can help with this!
  • Install anti?theft devices for potential savings (varies by insurer).
  • Increase deductibles if financially practical.

What is the minimum auto insurance coverage in British Columbia? 

BC requires Basic Autoplan through ICBC, which includes:

  • $200,000 Third?Party Liability
  • Accident Benefits
  • Basic Vehicle Damage (up to $200,000)
  • Underinsured Motorist Protection (up to $1 million)
  • Inverse Liability Protection

Can you drive a car without insurance in Surrey? 

No. Driving without valid ICBC insurance is illegal in all of BC and can result in fines, penalties, and potential vehicle impoundment. 

Do you pay deductible if not at fault in a car accident in Surrey? 

If you aren’t at fault and have collision coverage, your deductible is generally waived. Basic Autoplan covers your accident?related injury expenses regardless of fault; however, damage to your vehicle requires optional collision coverage for deductible waivers to apply.

What do I need to know about home insurance in Clayton Crossing, Surrey, BC?

Property insurance in Surrey varies widely because neighbourhoods differ significantly in elevation, crime rates, home age, and proximity to water systems. Surrey’s home insurance costs generally range from $1,000 to over $7,000 per year, depending on your home’s value, type, and coverage options. Premiums can be higher in areas where property crime and water?related risks are more common.

Clayton Crossing is one of the fastest?growing urban?suburban hubs in Surrey, with dense townhouse developments, newer detached homes, and many properties featuring basement suites. Multi?family occupancy increases the need for well?structured water damage protection, especially because water events in high?density housing can impact multiple units.

What should my Surrey home insurance cover?

Clayton is near areas where aging drainage infrastructure in parts of Surrey can make sewer backup coverage an important addition, even in newer neighbourhoods.

What to include in your Surrey home insurance policy:

  • Dwelling coverage with replacement cost (important due to high rebuild values)
  • Personal property protection
  • Liability coverage
  • Additional living expenses
  • Sewer backup, overland water, and earthquake coverage

If you want help comparing policies tailored to Clayton Crossing area unique risk profile, we can walk you through all available options across BC insurers.

How much does home insurance cost in Clayton Crossing, Surrey? 

Typical Surrey premiums range from $1,100–$1,900+ per year, influenced by home value, proximity to water systems, and drainage infrastructure. Severe-weather-related losses across BC and Canada, especially wildfires and flooding, which continue to push premiums upward. Clayton Crossing premiums are typical 

Common Surrey Home Insurance Exclusions

Most standard policies in Surrey exclude:

  • Earthquake damage, unless added as an endorsement
  • Overland flood and sewer backup, especially relevant near the Fraser River or low?lying areas with drainage challenges
  • Wear and tear, including aging roofs, plumbing, or drainage failures
  • Poor maintenance

Because BC has faced some of the most destructive wildfire and severe-weather seasons in Canadian history (with 2024 alone causing over $8.5 billion in insured losses nationwide) these exclusions are becoming more important for Surrey homeowners to understand.

What questions do I need to answer to get home insurance? 

When seeking home insurance in Surrey, British Columbia, you'll typically need to provide details about your property including its age, construction materials, square footage, and any safety features you’ve already installed (e.g., monitored alarm systems, fire extinguishers, sump pumps, backwater valves, or upgraded electrical and plumbing systems). We will also review your personal claims history and may ask about past water damage, fire losses, or liability claims.

Need help choosing coverage? 

Reach out for a quote and we can help you compare BC insurance options and structure your policy around Clayton’s specific multi?unit, water?risk, and rental?suite realities.

Western Proudly Supports Our Canadian Communities

At Western, caring is at the heart of everything we do. We are dedicated to making a meaningful difference in Surrey and across Canada by actively supporting the causes that matter most to our customers, employees, and neighbours. Our commitment to care drives us to create a positive, lasting impact every day.

 

Broker Information

Surrey, British Columbia

Reviews: 4.8

Contact Branch
844-802-7609
Clayton-Insurance@westerncoast.ca

Location
18737 Fraser Hwy #101, Surrey, BC V3S 7Y3

Hours

Mon: 9:00am - 5:00pm
Tue-Fri: 9:00am - 6:00pm
Sat: 9:00am - 4:00pm
Sun: Closed

Your Trusted Insurance Broker in Surrey, BC