Basic tariff workspace

BC Basic Autoplan Estimator

A browser-based Basic premium estimate built from the public ICBC Basic Insurance Tariff. Territory, rate class, listed drivers, high-value/AEB eligibility, and Basic discounts update the premium live.

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

Policy inputsBasic factors

Only the fields that affect mandatory Basic are shown.

Make, model, body, and trim were removed because they do not directly rate this Basic estimate. Vehicle identity mainly matters for optional coverages, which are deliberately outside this calculator.

  • Always usedTerritory, rate class, listed drivers, and at-fault claims.
  • Vehicle-limitedModel year and value only check the high-value factor.
  • Eligibility switchesAEB, low mileage, disability discount, learner, and UDPP.
Used only as a quick rating-territory helper. You can override the territory directly below.
Most vehicles leave the high-value factor at 1.00. It only changes for vehicles over $150,000 within 7 model years, or over $400,000 within 14 model years.
AEB is a verified factory-equipment discount. Low mileage and disability discounts apply only when the policy and driver meet the tariff eligibility rules.

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, and unlisted driver protection premium.

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 are make, model, body, and trim not shown?

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. Make, model, body, and trim matter much more for optional coverages, which this page does not estimate.