Western Financial Group offices will be closed Monday, February 17 in observance of Family Day. We will reopen on Tuesday, February 18. For emergency claims, please call 1-877-599-7299.

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Best Insurance Broker in Victoria, BC

Car insurance, ICBC renewals, home insurance, business insurance and more!

Whether you’re searching for car insurance, ICBC renewals, home insurance, business insurance, boat insurance, or life insurance, we are your trusted local experts in Victoria, BC, with over 100 years of experience.

As brokers for Canada’s top insurance providers, we compare insurance options across Victoria 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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Select a product below to compare insurance prices across Victoria.

Why Choose Western

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Compare Insurance Quotes for Free 
We shop across trusted providers to find you the best personal or commercial insurance coverage.

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Over 10,000 Five-Star Reviews

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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Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.

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Convenient Same-Day Service
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.

Get a Quote

Your local Canadian insurance experts in Victoria, BC.

At Western Financial Group, we’re dedicated to helping you find the best insurance coverage at the best rates. Whether you're safeguarding your family home, protecting your business, or keeping your vehicle covered on the road, we offer a wide range of insurance solutions tailored to your needs.

What Insurance Products We Offer:

  1. Car Insurance – Protect your vehicle with affordable and reliable coverage. Options for personal vehicles, recreational vehicles, and motorcycles, with available discounts for safe driving and bundled policies.
  2. Home Insurance – Coverage for your house, condo, or rental property, including protection for personal belongings, liability, and additional living expenses.
  3. Business Insurance – Safeguard your business operations with tailored policies. Customized packages available for small and medium-sized businesses, including liability, commercial property, and professional coverage.
  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.

Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia. 

Proudly Supporting the Victoria Community

Victoria, the provincial capital of British Columbia, is home to more than 84,300 residents and includes vibrant neighbourhoods such as James Bay, Fairfield, Fernwood, Rockland, Oaklands, Hillside/Quadra, and Gordon Head. Located on the southern tip of Vancouver Island, the city is renowned for its historic charm and iconic Victorian architecture.

Your Western Coast Insurance Services Admirals Walk (Victoria) branch proudly supports customers across Victoria’s diverse communities, offering car and truck insurance, home insurance, ICBC renewals, business insurance, boat insurance, and many other insurance products to meet your needs.

With over 40 years as industry leaders, we remain committed to providing the right insurance solutions for individuals and businesses across Victoria - from James Bay to Fernwood, Fairfield to Gordon Head - as well as across Vancouver Island and the Lower Mainland.

A supporter of our Western Communities Foundation , we’ve donated over $2,000 to the Sooke Options for Community Living Association and Esquimalt Neighbourhood House Society etc. 

Fast & Simple Way to Compare Insurance Quotes in Victoria!

Getting started is easy. To help us find your best rate, be prepared to share:

  • Basic contact information
  • Details about your home, vehicle, or business
  • Coverage preferences or any existing policy details

Why Choose Western?

  • Expert advisors who compare coverage options for you
  • Competitive rates from leading insurance providers
  • Personalized support online, by phone, or in?branch
  • Bundle & save opportunities for multi?policy customers

Most customers are connected with an advisor within minutes, ensuring a fast and stress?free experience from start to finish.

Visit us in-branch, call 1-866-860-1958, or submit a quote request today and get connected in minutes!

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

Comparing Insurance Quotes Across Canada

Q: What does an insurance broker do?
A: Western's insurance brokers compare Victoria insurance options to find the right price

At Western Financial Group, our insurance brokers help you compare insurance options across Victoria and across Canada, making it easier to find the right protection at the right price. Whether you’re in downtown Victoria’s Inner Harbour, the heritage homes of James Bay, or the lively streets of Fernwood and Cook Street Village, we’re here to support you.

How We Compare Insurance Options for You at Admirals Walk

Instead of navigating multiple providers on your own, our experts do the detailed quote-hunting work for you so you can spend more time enjoying Victoria’s neighbourhoods, from walking in Beacon Hill Park to exploring the shops around Hillside/Quadra. By accessing multiple insurers, we help you find a policy that fits your budget and aligns with your specific coverage needs. We'll help you review the options, make sure your specific needs are covered, and have your back in the future if you ever need to submit a claim. 

Why Comparing Multiple Victoria Insurance Quotes Matters

Navigating insurance on your own can be time?consuming, and it’s easy to miss out on valuable savings or important coverage. Western’s brokers:

  • Save time by reviewing policies from multiple insurers at once
  • Clarify complex coverage differences so you know exactly what you’re paying for
  • Find competitive rates without sacrificing essential protection
  • Advocate for your best interests, from quotes to claims

Whether you’re protecting your heritage home in Rockland, your condo near the Inner Harbour, your business in Hillside, or your vehicle for commuting through Oaklands, comparing insurance options across Canada is the smartest way to get the best value.

Western’s insurance brokers make the process simple by analyzing providers, coverage types, benefits, and price differences, so you can make a confident, informed choice.

What Do I Need to Know About Car Insurance in Victoria, BC?

It’s mandatory for all drivers to purchase car insurance from ICBC to help ensure that they are protected with a basic level of coverage.

Understanding Victoria ICBC Basic Autoplan

In British Columbia, all drivers must carry ICBC Basic Autoplan, the mandatory public auto insurance required to own and operate a vehicle. Basic Autoplan includes third?party liability, accident benefits, and Basic Vehicle Damage coverage, with a minimum of $200,000 in third?party liability included.

Optional Victoria Car Insurance Add-Ons

Victoria drivers can also purchase optional coverages either through ICBC or private insurers, such as collision, comprehensive, extended third?party liability, loss?of?use, rental vehicle coverage, and new?vehicle protection. We can help you compare car insurance quotes across Victoria! 

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

In BC, the average annual auto insurance cost is approximately $1,832, though rates vary individually depending on driving history, vehicle type, and selected optional coverages. 

Victoria drivers typically face mid?range premiums within the BC spectrum, influenced by factors such as:

  • Dense urban driving around Downtown Victoria
  • Higher exposure to collisions in busier corridors like Douglas Street and Shelbourne
  • Vehicle value, commuting distance, and usage patterns

Can you drive a car without insurance in Victoria?

Driving without insurance in BC is illegal and typically results in a $598 fine for driving without valid insurance. Additional fines apply for failing to produce insurance documents or a missing decal. 

Do you pay a deductible if you're not at fault in a crash in Victoria?

Under ICBC’s Enhanced Care (no?fault) system, if you are not at fault, Basic Vehicle Damage coverage generally pays for repairs and you typically do not pay a deductible.

If you are at fault, your optional collision coverage applies and you pay the deductible you selected.

If the other driver is uninsured or cannot be identified (e.g., in a hit?and?run), deductibles may apply depending on your optional coverages.

How to get a Victoria car insurance quote:

When choosing car insurance in Victoria, work with an insurance broker like Western Financial Group to compare optional coverages, consider your vehicle type, evaluate your driving record, and understand how local factors like urban traffic density and regional accident risks affect your premiums.

What Do I Need to Know About Home Insurance in Victoria, BC?

Home insurance isn’t legally required in British Columbia, but most mortgage lenders require it, and it’s strongly recommended to protect your investment. In Victoria, where many homes are older, located near the coast, or situated in historic neighbourhoods, risks such as water damage, earthquakes, and aging infrastructure make proper coverage especially important. 

What does Victoria home insurance cover? 

Typical Victoria home insurance policies cover fire, wind, vandalism, theft, and certain types of water damage, while more comprehensive plans offer broader protection. Optional endorsements such as earthquake insurance, sewer backup, or overland water coverage are frequently recommended due to local risk factors and the region’s coastal environment. 

Common Victoria Home Insurance Exclusions

Standard BC policies generally exclude:

  • Earthquakes (must be purchased separately)
  • Flooding from external sources or overland water unless added
  • Sewer backup unless purchased as an endorsement
  • Wear-and-tear or aging infrastructure issues (e.g., deteriorating roofs, outdated plumbing)

Because Victoria contains many aging homes, upkeep and renovations can make a significant difference in insurability and price

Do I need home insurance in Victoria? 

Without home insurance, you’d be responsible for the full cost of repairing structural damage, replacing belongings, repairing outbuildings, or covering liability if someone is injured on your property.

How much is home insurance in Victoria BC?

Across BC, including Victoria, typical home insurance costs range from about $1,200 to $1,700+ per year, depending on the home’s age, construction type, location, and selected optional coverages.

Victoria tends to fall in the mid?range of BC pricing, though older homes and coastal exposure can push premiums upward, especially in neighbourhoods like James Bay, Fairfield, and Oak Bay, where heritage homes and aging plumbing/electrical systems are common. 

What's affecting Victoria home insurance costs right now?

Insurance costs also reflect BC’s broader climate-related risks. Across the province, wildfires, floods, and storms contributed to rising premiums, with major events across BC influencing province-wide rates, even in coastal cities like Victoria. 

To find the right rate, contact us to get a quote. We compare multiple insurers across BC to match your home's rebuild cost, risk factors, and budget.

What questions will I need to answer to get home insurance in Victoria?

Insurers typically ask for detailed information about your home. When you reach out to us, we may ask for:

  • Year built and renovation history (important in older areas like Fairfield or Fernwood)
  • Construction type and building materials
  • Square footage and roof type
  • Plumbing, wiring, and heating system details
  • Presence of safety features (monitored alarms, fire extinguishers, sump pumps, backwater valves)
  • Your personal claims history and prior water, fire, or liability losses

Because Victoria has many heritage and older homes, insurers often look more closely at wiring (e.g., knob?and?tube), plumbing type, and roof age

 

Broker Information

Victoria, BC

Reviews: 4.9

Contact Branch
250-386-9012
Victoria@westernfg.ca

Location
2950 Douglas St Suite 230, Victoria, BC V8T 4N4

Hours

Mon-Fri: 9:00am - 5:00pm
Sat,Sun: Closed

Setting the Standard in Victoria Insurance Broker Service

     

We worked with Brett Pippy for insurance on our new home purchase. Brett's professionalism, quick responses, and overall industry knowledge was so appreciated. Working with quick timelines in a property purchase can often be a stressful thing to go through but Brett worked hard to make our experience virtually stress free. Thanks Brett!

Jill C.

     

We were referred by a friend for homeowner insurance. From start to finish our experience was professional, prompt, and genuine. Plus the quote we received was very competitive.

Hans D.

     

I required quotes and coverage on my principal residence as well as other assets which required a lot of back & forth interaction. Brett Pippy was patient, knowledgeable & responsive throughout and could not have been more helpful. We were able to find solutions that fit my needs and their particulars. Excellent experience!

Steve

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 Victoria 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.