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ICBC Auto Insurance in Victoria BC How are ICBC premiums calculated?

by Christie Phoenix Office on Wednesday, December 18, 2019 2:18 PM

Each insurance policy starts with a base premium (currently, this is $1,063).

Your premium then increases or decreases depending on aspects related to the vehicle (such as its use and location) and its drivers – their experience and crash history.

Of the driver portion, the majority (75%) will be based on the principal driver – the person who drives the car the most. The remaining 25% will be based on the listed driver with the highest risk.*

* If the other listed driver is lower-risk than the principal driver, the premium will only be reduced if that listed driver is a household member or employee. 

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ICBC
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remiums

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