Found something interesting,
So I went to BCAA's website to get a quote for Optional Coverage (Get a Quick Estimate | BCAA)
If I set I first got DL in 2015 or 2017, the cost is the same: $2,071 for one year
If I set I first got DL in 2019, the cost is: $3,500 for one year
I can't set it as 2023...