ICBC Car Insurance Canada: 2025 Review & Rates
Our expert's review on ICBC
ICBC provides a unique, two-tiered insurance system in British Columbia, featuring a mandatory Basic plan and a suite of Optional Autoplan coverages. Its framework offers robust protection, highlighted by no-limit Enhanced Accident Benefits for recovery, though the standard Third Party Liability is capped at $200,000, with optional deductibles starting from $300.
As the exclusive provider of mandatory basic insurance, ICBC serves as a foundational pillar for all B.C. motorists, setting it apart from private insurers who compete only on optional enhancements.
This insurance is essential for every driver in the province, while its optional products are particularly advantageous for owners of new vehicles seeking depreciation protection and drivers desiring the convenience of bundled packages like Roadside Plus.
Operating as a provincial Crown corporation, ICBC ensures a high degree of reliability, supported by 24/7 claims reporting and a clear fairness process for handling disputes.
- ✅No overall limit on Enhanced Accident Benefits.
- ✅Basic Vehicle Damage coverage up to $200,000.
- ✅Excellent protection options for new vehicles.
- ✅Underinsured Motorist Protection up to $1 million.
- ✅Comprehensive optional packages with bundled benefits.
- ✅24/7 toll-free claims reporting across North America.
- ✅High income replacement benefit calculation.
- ❌Low mandatory Third Party Liability limit ($200,000).
- ❌Contents of your vehicle are not covered.
- ❌High $750 deductible for some hit-and-run claims.
- ❌Strict exclusions for unlicensed or impaired driving.
- ❌Potential financial penalties for unlisted driver incidents.
Score- ✅No overall limit on Enhanced Accident Benefits.
- ✅Basic Vehicle Damage coverage up to $200,000.
- ✅Excellent protection options for new vehicles.
- ✅Underinsured Motorist Protection up to $1 million.
- ✅Comprehensive optional packages with bundled benefits.
- ✅24/7 toll-free claims reporting across North America.
- ✅High income replacement benefit calculation.
Our expert's review on ICBC
- ✅No overall limit on Enhanced Accident Benefits.
- ✅Basic Vehicle Damage coverage up to $200,000.
- ✅Excellent protection options for new vehicles.
- ✅Underinsured Motorist Protection up to $1 million.
- ✅Comprehensive optional packages with bundled benefits.
- ✅24/7 toll-free claims reporting across North America.
- ✅High income replacement benefit calculation.
- ❌Low mandatory Third Party Liability limit ($200,000).
- ❌Contents of your vehicle are not covered.
- ❌High $750 deductible for some hit-and-run claims.
- ❌Strict exclusions for unlicensed or impaired driving.
- ❌Potential financial penalties for unlisted driver incidents.
Score- ✅No overall limit on Enhanced Accident Benefits.
- ✅Basic Vehicle Damage coverage up to $200,000.
- ✅Excellent protection options for new vehicles.
- ✅Underinsured Motorist Protection up to $1 million.
- ✅Comprehensive optional packages with bundled benefits.
- ✅24/7 toll-free claims reporting across North America.
- ✅High income replacement benefit calculation.
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ICBC car insurance guarantees
ICBC offers a mandatory Basic Autoplan, which provides third party liability ($200,000 minimum), enhanced accident benefits, and coverage for vehicle damage if not at fault, with optional extensions such as Collision, Comprehensive, Specified Perils, and additional third party liability up to $2 million and beyond. Deductibles for optional coverages are flexible, ranging from $300 to $2,500, and can be increased for high-value vehicles; there is no overall annual payout cap for statutory accident benefits, but specific coverage limits apply for liability, death, medical, and vehicle claims.
Options like Loss of Use, Roadside Plus, and RoadStar packages allow tailoring of benefits such as substitute vehicle, travel protection, and emergency roadside assistance, matching or exceeding common market standards in B.C. Limitations include a $200,000 liability cap if additional coverage isn’t purchased, and some exclusions for vehicle contents and use. ICBC’s direct billing to approved vendors, combined with no waiting period for basic benefits, strengthens its proposition for B.C. drivers.
| Warranty name | Basic Autoplan (mandatory) | Optional Autoplan add-ons (à la carte) |
|---|---|---|
| Formula positioning | Statutory minimum for B.C. drivers | Covers collision, comprehensive, specified perils, increased TPL |
| Type of cover | Third party liability, enhanced accident, basic vehicle damage | Add collision, theft, fire, vandalism, glass, loss of use, etc. |
| Reimbursement rate (% of damages covered) | 100% of eligible damages within policy limits | 100% within sub-limits, after deductible |
| Annual reimbursement ceiling | $200,000 for TPL; unlimited accident benefits | Limits vary, e.g., $1-5+ million for TPL, up to $200,000 per peril |
| Policy excess (per claim and/or annually) | $0 for most basic; $750 for hit-and-run property claims | Choose $300–$2,500 ($5k+ for select vehicles) per claim |
| Waiting period (before certain guarantees take effect) | None for most covers | Some, e.g., 72h before loss of use for theft |
| Minimum/maximum age for subscription | NC | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history review for discounts; no medical required | Driving record and prior claims impact premium |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, quarterly, annually via broker or online | Same as Basic |
| Advance payment of claim-related costs | Approved repairers and partners can bill ICBC directly | Same |
| Compensation at purchase value/agreed value/replacement value | Limited depreciation cover on new vehicles via add-on | Replacement/limited depreciation with add-on |
| Third-party liability (bodily injury/property damage to others) | $200,000 (increase available); $1–2 million for trucks/commercial | Up to $5 million+ with add-on |
| Own vehicle damage (collision, regardless of fault) | ❌ | ✅ Collision (deductible applies) |
| Theft of vehicle (partial or total) | ❌ | ✅ Comprehensive/Specified Perils required, deductible applies |
| Fire (accidental or criminal) | ❌ | ✅ Comprehensive or Specified Perils required |
| Broken glass (windscreen, windows, sunroof) | ❌ | ✅ Covered under Comprehensive (deductible applies) |
| Natural disasters (hail, flood, storm, etc.) | ❌ | ✅ Comprehensive/Specified Perils required |
| Acts of vandalism | ❌ | ✅ Comprehensive required |
| All-risks damage (accidents of any cause, including at-fault) | ❌ | ✅ Add-ons provide close to all risks, subject to exclusions |
| Driver personal injury cover (death, disability, medical expenses) | ✅ Enhanced Accident Benefits, no overall limit | Enhanced to $105,500 insurable income, top-up available |
| Passenger injury cover | ✅ Equivalent to driver cover; no limit | Same as driver (statutory) |
| Criminal defence and recourse (basic legal aid after an accident) | ✅ Defence for covered claims | Basic included, extended legal not referenced |
| Extended legal protection (beyond accidents) | ❌ | NC |
| Vehicle accessories and modifications (incl. EV batteries/cables) | Permanently attached items covered | Additional cover via endorsement, subject to limits/deductibles |
| Personal belongings inside the vehicle | ❌ | Limited cover under Comprehensive for motorhome/trailer only |
| Child equipment (seats, pushchairs) | ✅ Covered if installed at time of loss | See policy for limits |
| Replacement vehicle (during repairs/total loss) | Limited: substitute transportation if not driveable | Loss of Use, up to $1,200 (Roadside Plus) |
| Towing and roadside assistance | If claimable (e.g., after accident, at-fault) | Up to $50 (Roadside Plus) for breakdown, flat tire, lock-out |
| Use abroad (compliance/minimum local cover) | Limited to Canada/US, see inverse liability | NC |
| Vehicle use for professional/business purposes | Restrictions on commercial use; higher TPL limits required for taxis et al. | Must declare use for accurate rating |
| Driving other vehicles | Covered by person’s basic policy for liability only | Rental Vehicle Policy available |
| Trailer or caravan towing cover | NC | Available for endorsement; see policy for covered risks |
Good to know
ICBC policies are purchased via a network of licensed Autoplan brokers, with customer service available by phone, online, or in person; online claims submission and direct-to-partner repair billing streamline the process. Replacement cost and limited depreciation protection are optional for new vehicles. Payment plans and discounts are available for eligible safe drivers. Loss of use, emergency roadside assistance, and extended legal aid can be selected as add-ons. Claims for hit-and-run property damage are subject to a $750 deductible.
ICBC Car Insurance Exclusions
ICBC car insurance contracts systematically exclude any claim where the vehicle is used for illicit activities, improperly rated use (like pleasure-rated vehicles used for commuting), or deliberate actions by the insured.
Damages and injuries occurring when drivers are unlicensed, under suspension, or impaired by drugs or alcohol are also excluded, which aligns with industry standards but is strictly enforced by ICBC. Technical exclusions that stand out include the refusal to cover mechanical breakdown, wear and tear, and most property inside the vehicle (except for limited cover in motorhomes), even under comprehensive coverage.
Lawsuits and liabilities stemming from certain Criminal Code convictions related to accidents, or for towing unlicensed trailers, are not covered. ICBC’s explicit exclusions for claims resulting from war, nuclear events, or rebellion mirror other Canadian providers, but their handling of household or frequent unlisted drivers is distinctly restrictive compared to some private insurers.
| Exclusions | Details |
|---|---|
| Vehicle use exclusions |
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| Driver-related exclusions |
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| Technical exclusions |
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| Geographical exclusions |
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| Contractual exclusions |
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- Use for illicit purposes or fleeing police
- Vehicle incorrectly rated for its use
- Towing unlicensed trailers
- Business of selling, repairing, or storing vehicles (unless authorized)
- Driving without valid licence or with suspended licence
- Driver is impaired by drugs or alcohol
- Deliberate or fraudulent acts
- Serious Criminal Code convictions involving the insured
- Unlisted driver (beyond permitted limit)
- Mechanical breakdown, wear and tear, rust, corrosion
- Tire damage (unless fire, theft, or as part of covered event)
- Contents and personal effects in vehicles (except some in motorhomes)
- Damage from using vehicle as residence
- Loss due to war, rebellion, insurrection, or nuclear hazards
- Loss from fraudulent or exaggerated claims
- Settlement with other party without ICBC consent (UMP)
- Claims where law prevents legal action for injury or death
The cost of ICBC car insurance
ICBC maintains a mid-range car insurance price positioning in the British Columbia market, largely due to the breadth of compulsory cover included and the generally lower car insurance deductibles for major accident benefits.
While its premiums may appear higher than some private insurers for basic liability, the extensive package of enhanced accident benefits and optional add-ons like Collision and Comprehensive often justify the cost for many drivers. Unlike a digital-only insurer, ICBC relies on broker networks, which can add to overall expenses but may improve in-person service and claims support.
The overall package tends to be more comprehensive than some direct competitors but with less pricing flexibility, especially for lower-risk or infrequent drivers. For drivers seeking robust coverage, the proposition is sound, though price-sensitive drivers might find less expensive—if less comprehensive—alternatives elsewhere.
| Basic Autoplan | Basic + Collision | Basic + Comprehensive | |
|---|---|---|---|
| Young driver (18-24, compact) | $135/month | $170/month | $185/month |
| Standard driver (35-45, mid-size) | $95/month | $122/month | $135/month |
| Senior driver (60-70, city car) | $81/month | $106/month | $117/month |
| At-fault claim, last 3 years | $150/month | $192/month | $205/month |
| New SUV driver | $120/month | $154/month | $165/month |
| High-mileage (25,000+ km/year) | $112/month | $145/month | $158/month |
Compare multiple providers to ensure the best rate and level of coverage for your needs:
Compare the best car insurance plans for free!Start comparingICBC Car Insurance Discount Codes
| Promotional codes ICBC | Details |
|---|---|
| HelloSafe | 5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with ICBC?
| Name of claim or service | Average price (CA$) | Basic Autoplan | Basic + Collision | Basic + Comprehensive |
|---|---|---|---|---|
| Replacement after theft | $18,500 | ❌ | ❌ | Up to $18,500 (excluding deductible) |
| Repair after at-fault accident | $5,200 | ❌ | Up to $5,200 (excluding deductible) | Up to $5,200 (excluding deductible) |
| Windshield replacement (glass damage) | $600 | ❌ | ❌ | Up to $600 (excluding deductible; $200 for stone chips) |
| Vandalism repair | $2,000 | ❌ | ❌ | Up to $2,000 (excluding deductible) |
| Towing and storage after accident | $400 | Only if not at fault; up to $400 | Up to $400 (excluding deductible) | Up to $400 (excluding deductible) |
ICBC Car Insurance Assistance
ICBC assistance is structured through optional add-ons, notably the Roadside Plus and RoadStar packages, rather than being integrated by default into all car insurance contracts. Emergency roadside assistance is available as an optional benefit, offering selected support in the event of a breakdown or mechanical failure, but with distinct coverage limits and restrictions.
Towing after an insured accident is always covered if collision coverage is in place, yet there is no guaranteed provision for 0 km home assistance or battery/fuel rescue unless an optional package is purchased.
Replacement vehicles are only provided following theft or covered repair, not for routine incidents or non-collision breakdowns, and benefits like accommodation, alternative transport, or animal assistance remain limited by policy choice.
ICBC does not offer specialized services for electric vehicles or systematic legal defence after an accident, which are features available in some private Canadian plans.
| Support ICBC | Availability | Details |
|---|---|---|
| 24/7 roadside breakdown assistance | ✅ | Available with Roadside Plus Package Up to $50 per incident (max 2/year) Does not cover parts or fuel |
| Towing to repair facility / Extended towing | ✅ | Covered after a crash if Collision cover applies Optional with assistance packages Coverage subject to plan |
| Assistance from home (0 km) | ❌ | No assistance for immobilization at home without optional coverage |
| Replacement vehicle | ✅ | Provided after theft or total loss Covered under Loss of Use endorsement or package |
| Alternative transport or accommodation | ✅ | Included with packages for covered claims (e.g., collision, theft, vandalism) Limits apply; see package |
| Vehicle repatriation | ❌ | Not included in standard or optional coverage |
| Assistance abroad | ❌ | Not provided |
| Assistance for electric vehicles | ❌ | No dedicated EV support (e.g., out-of-charge) |
| Battery assistance & fuel misfuelling | ❌ | Not covered; assistance is for towing only with optional packages |
| Legal assistance after an accident | ❌ | Not included; policyholders must seek their own legal support |
| Assistance for animals on board | ❌ | Not communicated |
| Key recovery & lock replacement | ✅ | Key/lock reimbursement up to $500 or $1,000 depending on package Police report required |
Up to $50 per incident (max 2/year)
Does not cover parts or fuel
Optional with assistance packages
Coverage subject to plan
Covered under Loss of Use endorsement or package
Limits apply; see package
Police report required
Customer feedback on ICBC car insurance
- ✅ Pros:
- The affordability of the basic insurance is regularly mentioned as a strong point, particularly for drivers with clean records.
- An extensive broker network is appreciated for in-person support and accessibility throughout BC.
- The process for handling straightforward claims, especially not-at-fault cases, is considered smooth by many customers.
- ❌ Cons:
- An absence of digital features such as a customer app or online claims tracking is a recurring point of frustration.
- Many drivers report significant premium fluctuations at renewal with little or no explanation.
- Delays in claims processing and limited proactive communication from customer service often lead to dissatisfaction.
- Several policyholders note that coverage options can feel rigid, with less flexibility than private insurance companies.
I moved and had to switch to ICBC, and had nothing but a headache. It's more expensive than my old insurance, and there isn't any competition to drive prices down. It's also a huge pain to go in person for anything. Even with a reservation, I had to wait in a big line
Here is what some customers had to say:
- "ICBC is the worst company I’ve ever seen. Poor customer service, no accurate procedure to identify fraud claims, and very expensive. Why should we have the ICBC monopoly in BC and no other insurance company is allowed to compete with them?", by Hbc1366, on InsurEye, on July 4, 2019.
- "I moved and had to switch to ICBC, and had nothing but a headache. It's more expensive than my old insurance, and there isn't any competition to drive prices down. It's also a huge pain to go in person for anything. Even with a reservation, I had to wait in a big line.", by RoastMasterShawn, on Reddit (r/britishcolumbia), April 2022.
How to Contact ICBC?
| Customer service ICBC | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. |
| To report a claim | Phone (Lower Mainland): 604-520-8222 (24/7) Phone (Elsewhere in BC, Canada or US): 1-800-910-4222 (24/7 toll-free) |
| To request and track a refund | Claims and reimbursement status are managed online or by telephone Phone: 604-520-8222 (Lower Mainland) / 1-800-910-4222 (Elsewhere) |
| To obtain an insurance certificate | Contact your Autoplan broker directly or ICBC customer service Phone (Lower Mainland): 604-661-2800 Phone (Elsewhere in BC, Canada or US): 1-800-663-3051 (toll-free) |
| To contact assistance | For emergency roadside assistance (if eligible): refer to your optional Roadside Plus or RoadStar policy material Phone (Lower Mainland): 604-520-8222 (for claims or assistance) |
| To cancel my contract | Mail: ICBC - Cancellations, Room 205 - 151 West Esplanade, North Vancouver BC V7M 3H9 Fax: 604-661-6727 Contact your Autoplan broker to process your car insurance cancellation Documents to enclose: written request and policy number Notice period: none required, but cancellation takes effect upon receipt of request and return of plates or permit Refunds, if applicable, are by cheque or direct deposit within a few weeks |
Phone (Elsewhere in BC, Canada or US): 1-800-910-4222 (24/7 toll-free)
Phone: 604-520-8222 (Lower Mainland) / 1-800-910-4222 (Elsewhere)
Phone (Lower Mainland): 604-661-2800
Phone (Elsewhere in BC, Canada or US): 1-800-663-3051 (toll-free)
Phone (Lower Mainland): 604-520-8222 (for claims or assistance)
Fax: 604-661-6727
Contact your Autoplan broker to process your car insurance cancellation
Documents to enclose: written request and policy number
Notice period: none required, but cancellation takes effect upon receipt of request and return of plates or permit
Refunds, if applicable, are by cheque or direct deposit within a few weeks
FAQ
Do I have to pay in advance for repairs or assistance with ICBC?
ICBC usually pays partner garages or service providers directly for repairs or eligible towing, so most policyholders do not have to pay in advance. However, if you choose a non-partner repair shop, you may need to pay first and then submit receipts for reimbursement. For roadside assistance, reimbursement up to your coverage limits applies after you provide proof of payment. It’s best to check with ICBC or your broker before repairs begin to confirm the process. Always keep any receipts and documentation related to your claim.
How do I cancel my car insurance contract with ICBC?
You can cancel your ICBC car insurance at any time by returning your licence plates to any Autoplan broker or by submitting a written request by mail or fax. There is no official notice period, but your policy cancels only when the request and plates are received. Bring your current registration, government-issued photo ID, and any unused decals or permits. Depending on your situation, you may be eligible for a refund of the remaining premium. Contact an Autoplan broker for guidance on the most efficient cancellation process.
What is included in the basic ICBC car insurance?
Basic ICBC car insurance (required in BC) includes third-party liability, accident benefits, uninsured motorist protection, direct compensation for property damage, and hit-and-run coverage. It covers you if you injure someone or damage property, regardless of fault. Medical and recovery expenses are also included, along with coverage for damage caused by uninsured or hit-and-run drivers. The mandatory liability limit is $200,000, but higher limits are available. Optional add-ons can extend your coverage further.
Can I add extra coverage to my ICBC car insurance policy?
Yes, you can add optional coverages such as collision, comprehensive, and specified perils for more extensive protection. Endorsements are available for rental vehicles, roadside assistance, higher liability limits, and coverage for new car depreciation. These options protect against risks like theft, vandalism, natural disasters, and collisions regardless of fault. You can customize your policy by speaking with your Autoplan broker or making changes at renewal time. Each endorsement may have specific eligibility and deductibles.
Is roadside assistance included in ICBC auto insurance?
Roadside assistance is not automatically included in basic ICBC auto insurance but can be purchased as an optional add-on, such as through the Roadside Plus or RoadStar packages. These packages offer services like towing, flat tire help, jump-starts, and lock-out assistance within defined coverage limits. The benefit applies only for incidents outlined in your policy, up to maximum reimbursement amounts per event or year. Costs for parts or fuel are typically not covered. Review the terms of your package for full details or contact your broker if you need clarification.
What happens if I am involved in an accident outside British Columbia?
If you are involved in an accident outside BC, ICBC will adjust your coverage to meet the minimum auto insurance requirements of the jurisdiction where the incident occurred. Your medical and liability benefits extend to cover you in Canada and the US, subject to policy terms. If your car is damaged in a non-fault accident, direct compensation is not always available; coverage depends on your optional selections. Contact ICBC as soon as possible to report the accident and get instructions on claim procedures. Keep all documents and local police reports for your claim.
Do I have to pay in advance for repairs or assistance with ICBC?
ICBC usually pays partner garages or service providers directly for repairs or eligible towing, so most policyholders do not have to pay in advance. However, if you choose a non-partner repair shop, you may need to pay first and then submit receipts for reimbursement. For roadside assistance, reimbursement up to your coverage limits applies after you provide proof of payment. It’s best to check with ICBC or your broker before repairs begin to confirm the process. Always keep any receipts and documentation related to your claim.
How do I cancel my car insurance contract with ICBC?
You can cancel your ICBC car insurance at any time by returning your licence plates to any Autoplan broker or by submitting a written request by mail or fax. There is no official notice period, but your policy cancels only when the request and plates are received. Bring your current registration, government-issued photo ID, and any unused decals or permits. Depending on your situation, you may be eligible for a refund of the remaining premium. Contact an Autoplan broker for guidance on the most efficient cancellation process.
What is included in the basic ICBC car insurance?
Basic ICBC car insurance (required in BC) includes third-party liability, accident benefits, uninsured motorist protection, direct compensation for property damage, and hit-and-run coverage. It covers you if you injure someone or damage property, regardless of fault. Medical and recovery expenses are also included, along with coverage for damage caused by uninsured or hit-and-run drivers. The mandatory liability limit is $200,000, but higher limits are available. Optional add-ons can extend your coverage further.
Can I add extra coverage to my ICBC car insurance policy?
Yes, you can add optional coverages such as collision, comprehensive, and specified perils for more extensive protection. Endorsements are available for rental vehicles, roadside assistance, higher liability limits, and coverage for new car depreciation. These options protect against risks like theft, vandalism, natural disasters, and collisions regardless of fault. You can customize your policy by speaking with your Autoplan broker or making changes at renewal time. Each endorsement may have specific eligibility and deductibles.
Is roadside assistance included in ICBC auto insurance?
Roadside assistance is not automatically included in basic ICBC auto insurance but can be purchased as an optional add-on, such as through the Roadside Plus or RoadStar packages. These packages offer services like towing, flat tire help, jump-starts, and lock-out assistance within defined coverage limits. The benefit applies only for incidents outlined in your policy, up to maximum reimbursement amounts per event or year. Costs for parts or fuel are typically not covered. Review the terms of your package for full details or contact your broker if you need clarification.
What happens if I am involved in an accident outside British Columbia?
If you are involved in an accident outside BC, ICBC will adjust your coverage to meet the minimum auto insurance requirements of the jurisdiction where the incident occurred. Your medical and liability benefits extend to cover you in Canada and the US, subject to policy terms. If your car is damaged in a non-fault accident, direct compensation is not always available; coverage depends on your optional selections. Contact ICBC as soon as possible to report the accident and get instructions on claim procedures. Keep all documents and local police reports for your claim.
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