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Gen Z Auto Insurance
Estimator

No jargon. No boring forms. Just pick your vibe and see the damage. 💸

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These are rough estimates based on general ICBC data. Actual rates will vary.

Where do you drive?

Other Provinces (Coming Soon)

How You Drive

What's the main vibe for this car?

Driver Profile

Years of driving experience

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040+

Sharing the Whip?

Adding a secondary driver or partner?

The Coverage "Glow Up"

Optional add-ons to protect your peace of mind.

Protect My Bank Account (Liability)

If you hit someone or something expensive.

Fix My Car (Collision)

If you're at fault, how much is your car worth?

The Bad Luck Buffer (Comprehensive)

Cover theft, fire, and broken glass.

Enter details to see estimate 💸

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Enter your details to see the damage

We'll calculate your mandatory ICBC basic and optional coverages as you go.

Understanding BC Auto Insurance (ICBC)

Navigating auto insurance in British Columbia can be confusing, especially if you're a new driver, student, or working a side hustle. In BC, the Insurance Corporation of British Columbia (ICBC) provides mandatory basic auto insurance, known as Basic Autoplan.

Our BC Auto Insurance Estimator is designed to translate complex insurance jargon into plain English. Whether you're just chilling, commuting to campus, or driving for DoorDash, this tool helps you estimate your monthly and annual costs based on general ICBC data.

Mandatory vs. Optional Coverage

  • Mandatory ICBC Basic: Required by law for all drivers in BC. It covers basic liability, accident benefits, and underinsured motorist protection.
  • Optional Coverage: Extra protection you can buy from ICBC or private insurers. This includes Extended Third-Party Liability, Collision (fixing your car), and Comprehensive (theft, fire, glass).

Frequently Asked Questions

Does standard ICBC insurance cover me if I drive for DoorDash or Uber?
No. Standard personal use insurance does not cover delivery or ride-sharing services. You must declare this usage to ICBC and purchase specific rate classes (like delivery or ride-hailing insurance) to ensure you are covered in case of an accident while working your side hustle.
How does my driving experience affect my ICBC rates?
ICBC uses a driver-based model. Your individual driving experience and crash history directly impact your premiums. New drivers typically pay higher rates, but as you gain years of crash-free driving experience, your rates will decrease significantly.
Do I really need Comprehensive coverage?
While not legally required, Comprehensive coverage (the "Bad Luck Buffer") is highly recommended. It covers damage to your vehicle from non-collision events like theft, vandalism, fire, falling objects, and cracked windshields. If you have a newer or financed car, your lender will likely require it.
Why is my commute distance important?
ICBC categorizes commuting into different rate classes based on distance (e.g., under 15km vs. over 15km one way). Driving further to work or school increases your time on the road and statistical risk of an accident, which results in a slightly higher premium.