ICBC Insurance for New Drivers in BC

Basic Autoplan costs.ICBC Basic Autoplan is mandatory for all vehicles registered in BC. New drivers — those with less than 9 years of claims-free driving experience — pay higher premiums through the Experience Rating system.

A brand new driver (0 years experience) starts at a higher premium bracket and earns discounts each year with no at-fault claims. After 9 claims-free years, you reach the maximum discount.

For a new driver insuring a mid-range used vehicle ($15,000–$25,000 value), expect Basic Autoplan to cost $2,200–$3,500 per year ($183–$292/month). Adding Optional collision and comprehensive coverage adds $600–$1,500/year depending on the vehicle and deductible chosen.

Total insurance cost for a new driver: approximately $250–$400/month. This is a significant expense that must be budgeted alongside your car payment — use our payment calculator and add insurance to your total monthly cost.

Newcomers to Canada may be able to bring driving experience from their home country.. ICBC recognizes experience from many countries — provide your international driving abstract when applying for insurance.. This can save $500–$1,500/year. See our newcomer guide..

Estimate monthly payments. Rates by credit tier. What you need to apply. How the process works.