Basic tariff workspace

BC Basic Autoplan Estimator

A browser-based Basic premium estimate built from the public ICBC Basic Insurance Tariff. Vehicle, territory, driver record, and discount inputs update the premium live.

British Columbia road scene for the Basic Autoplan estimator
$903.55base rate

Policy inputsVehicle

Maps to a rating territory. Burnaby → Territory D (Lower Mainland).
MSRP only matters above $150,000 (then HVVCF = 2.0). The car does affect Basic via ASTF: a factory AEB system gives a 10% discount (standard on modern Mazda3). Make/model otherwise matters mostly for optional collision/comprehensive (not rated here).

Listed drivers

Basic rates on who drives. Each driver's Individual Driver Factor (IDF) = EXF × MCF × SDF × NRDF × EAF. With two drivers, ICBC combines them (Schedule D, s.8).

Premium estimateAnnual

$—
per year · mandatory Basic coverage
Source: ICBC Basic Insurance Tariff · base rate $903.55 · Schedule C (class×territory) · Schedule D (Combined Driver Factor, Tables 1–5).

About this BC Basic Autoplan estimate

This estimator focuses on the mandatory Basic Autoplan premium for a 12-month owner's certificate in British Columbia. It follows the public ICBC Basic Insurance Tariff inputs that can be reasonably modeled in a browser: rating territory, rate class, listed drivers, claims history, senior and new-resident factors, selected discounts, learner premium, and unlisted-driver protection premium.

It is built for planning and comparison, not policy issuance. Final premiums can differ when ICBC or a licensed Autoplan broker verifies identity, vehicle records, claims, eligibility, optional coverages, taxes, fees, endorsements, short-term terms, or other account-specific details.

  • Region: British Columbia, Canada
  • Coverage focus: mandatory Basic Autoplan
  • Primary source: ICBC Basic Insurance Tariff
  • Output: annual premium estimate in CAD
  • Included: driver, territory, rate class, and Basic discount factors
  • Excluded: optional collision, comprehensive, and broker-issued quote checks
What does this BC Autoplan estimator calculate?

It estimates the annual mandatory Basic Autoplan premium using the public tariff formula, including territory, rate class, combined driver factor, applicable Basic discounts, learner premium, unlisted driver protection premium, and an optional extended third-party liability placeholder.

Is this an official ICBC quote?

No. It is an independent estimate for learning and planning. A binding quote or policy must be issued through ICBC or a licensed Autoplan broker.

Does it include optional collision or comprehensive coverage?

No. The estimator focuses on mandatory Basic coverage and does not price optional collision, comprehensive, specified perils, loss of use, or replacement cost endorsements.

Why does the vehicle make and model matter less for Basic coverage?

For mandatory Basic coverage, the tariff mainly rates territory, vehicle use, listed drivers, claims history, and limited vehicle factors such as high-value status and factory autonomous emergency braking. Optional coverages use more vehicle-specific rating.