ICBC Car Insurance & Private Auto Coverage in Victoria, BC
Everything Victoria Drivers Need To Know About ICBC
Car Insurance in Victoria, British Columbia: ICBC (The Insurance Corporation of British Columbia)
Average cost: $1000-$5000 / year
ICBC car insurance is mandatory for all BC drivers
Getting insured with ICBC in Victoria helps you to protect yourself, your vehicle, and your finances. Whether you're commuting daily, running errands, or enjoying British Columbia's scenic drives, having a reliable ICBC auto insurance policy means you're covered in case of accidents, theft, or unexpected damages. At our Western Coast locations in Victoria, we specialize in helping drivers secure the best auto insurance rates while ensuring they meet all British Columbia car insurance requirements.
What Is ICBC? How Car Insurance Works in Victoria, BC
If you're driving in Victoria, BC, you'll need to register for ICBC car insurance coverage. ICBC does have a monopoly on basic car insurance coverage in BC, but it competes against other insurers for all optional car insurance coverages. At Western Coast, we make the process convenient by comparing car insurance quotes, helping you find the right provider at the best price.
Driving in British Columbia comes with its own set of challenges, from city traffic in Victoria to scenic highways, rural tracks, and unpredictable weather. That’s why having the right optional coverages is essential. Whether you're a new driver looking for first-time car insurance or reassessing your policy, understanding how ICBC car insurance works will help you stay safe on the road.
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Visit One of Our Victoria Insurance Broker Locations
We believe car insurance should be personal—which is why our expert brokers are available right here in Victoria to meet with you face-to-face.
Whether you prefer to discuss your coverage in person or want help choosing between policy options, our teams are ready to help at our convenient Victoria locations:
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Over 40 Years of Dedicated Service
For over four decades, Western Coast Insurance Services has built a legacy rooted in personalized service, community connection, and professional insurance expertise. Originally founded as Coast Capital Insurance Services, we began with a simple but powerful mission: to help individuals and businesses in British Columbia protect what matters most.
In 2014, we proudly joined the Western Financial Group family, a trusted name in insurance across Canada. This transition marked a new chapter for our organization as we rebranded to Western Coast Insurance Services — uniting the local strength of Coast Capital with the national resources and stability of Western. While our name changed, our people, our commitment, and our purpose remained steadfast.
Our rebranding was more than a name update — it was a strategic evolution that allowed us to expand our product offerings, deepen our service capabilities, and reinforce our commitment to customers throughout B.C. The brokers you’ve trusted for years are still here, offering the same thoughtful advice, now backed by broader support and a stronger national network.
Today, we continue to serve British Columbians from Vancouver Island to the Lower Mainland and beyond, delivering tailored personal and business insurance solutions with the same local expertise that’s been the foundation of our success since day one. Whether you need ICBC coverage, home insurance, or a customized commercial policy for your business, you can count on us to guide you with knowledge, honesty, and care.
What’s Included in ICBC Basic Autoplan Coverage in Victoria, BC?
Every driver in Victoria and throughout British Columbia is legally required to carry ICBC Basic Autoplan coverage. It’s the mandatory minimum insurance that gets you on the road, offering essential protections—but it only covers the basics. Here’s what’s included for Victoria drivers:
Accident Benefits
If you're injured in a crash—whether you're a driver on Douglas Street, a pedestrian near the Inner Harbour, or a cyclist commuting through Oak Bay—Accident Benefits coverage helps with medical and recovery costs. This includes:
- Chiropractic and physiotherapy treatments
- Counseling and psychological support
- Dental care and rehabilitation services
- Home support if you’re unable to perform daily tasks
- Wage loss replacement and recovery benefits
Third-Party Liability (up to $200,000)
Covers damage you cause to other people’s vehicles or property anywhere in BC. In Victoria, that might include:
- Property damage such as hitting a storefront in Cook Street Village or a fence in Fernwood
- Business interruption losses from collisions near downtown shops
- Environmental clean-up costs if a fluid spill occurs
- Legal liability if you're at fault in a crash while driving outside of BC
Note: The $200,000 limit is the base level. Most Victoria drivers increase this through Extended Third-Party Liability coverage for added protection.
Underinsured Motorist Protection
If you're seriously injured in a crash caused by a driver who doesn’t have enough insurance—especially in high-tourism areas or busy commuter routes—this protection ensures coverage for:
- Medical and rehabilitation expenses
- Wage replacement for missed work
- Funeral expenses and survivor benefits
Hit-and-Run Protection
Covers up to $200,000 in damage if your vehicle is struck by an unknown or uninsured driver while parked or moving anywhere in Victoria. Whether it’s in a residential area like Fairfield or a busy lot in Uptown, this protection helps cover your costs.
Optional ICBC & Private Car Insurance Coverages in Victoria, BC
ICBC Basic Autoplan doesn't cover your own vehicle if you're at fault. That’s why many Victoria drivers choose optional ICBC or private insurance to boost their protection.
Our local brokers at Western Coast can help you customize your policy with smart add-ons:
Collision Coverage
Helps pay for repairs or replacement if you're at fault in a crash—or in a hit-and-run on Victoria’s busy roads or parking lots.
Comprehensive Coverage
Protects against non-collision risks like:
- Theft, vandalism, and fire
- Animal collisions (e.g., deer near Elk Lake)
- Glass and weather-related damage
Extended Third-Party Liability
Increase your coverage limit beyond $200,000—up to $5 million—to protect against lawsuits and high injury claims.
Loss of Use
Covers rental cars, taxis, or transit if your vehicle is being repaired after a covered claim.
New Vehicle Replacement
Ideal for new cars: replaces a written-off vehicle with a brand-new model and protects from depreciation.
Special Equipment Coverage
Protects permanent customizations like upgraded sound systems, wraps, or lifted suspensions.
Travel & Rental Packages
Bundle protection for out-of-province rentals, roadside help, and emergency travel incidents.
How Much Does Car Insurance Cost in Victoria, BC?
Victoria drivers pay some of the highest auto insurance rates in British Columbia due to urban traffic, coastal weather risks, and repair costs. On average, you can expect to pay:
- $1,500 to $2,200 per year for full ICBC coverage, including optional upgrades
- $1,000 to $1,400 per year for Basic Autoplan with minimal add-ons
- $800 to $1,100 per year for low-risk or occasional drivers with clean records
Your exact rate depends on several factors:
- Your driving history and crash record
- Years of driving experience and insurance discount level
- Where your vehicle is parked overnight (e.g. street vs garage)
- Vehicle type, value, and safety features
- Whether you use your car for business or personal use
Want to lower your car insurance premiums?
- Maintain a clean driving record for ICBC discounts
- Bundle auto with home or tenant insurance
- Choose higher deductibles for collision and comprehensive
- Drive less—usage-based rates may apply
- Ask about discounts for anti-theft devices and winter tires
Victoria Car Insurance FAQs
Is ICBC insurance mandatory in Victoria?
Yes. All drivers in British Columbia must carry ICBC Basic Autoplan coverage. It’s the legal minimum and includes liability, accident benefits, and hit-and-run protection.
Does ICBC cover damage to my own car?
Not under Basic Autoplan. You’ll need to add Collision and Comprehensive coverage through ICBC or a private insurer to cover your own vehicle.
What if I'm hit by an uninsured driver?
ICBC includes Underinsured Motorist Protection (UMP) up to $1 million. You can purchase higher limits if needed for serious injury claims.
Can I use my personal car for work or delivery?
Maybe. If you use your vehicle for business or delivery services, you’ll need to let us know. It may require commercial use coverage not included in standard policies.
How can I reduce my car insurance costs?
Drive safely, bundle your auto and home policies, install anti-theft devices, and opt for higher deductibles. Staying claims-free also earns ICBC discounts over time.
Why Choose Western Coast Insurance for Car Insurance in Victoria?
We’re not just an insurance provider—we’re your neighbours. Our Victoria team understands the unique driving conditions, local claims trends, and coverage needs of drivers on the Island.
Here’s what sets us apart:
- We’re a broker: We work with ICBC and private insurers to find you the best coverage options and rates—tailored to your needs.
- Local expertise: Whether you commute through Saanich, park downtown, or live near scenic routes in Oak Bay, we understand the risks Victoria drivers face.
- Guided claims support: If you’re in an accident, we help walk you through every step of the ICBC claims process.
- Custom auto coverage: From basic ICBC to full collision, comprehensive, and optional travel coverage—we build the policy that works for you.
- Real people, real help: Our brokers are here for your renewals, questions, and changes—online, by phone, or in person.
Get a Personalized Car Insurance Quote in Victoria Today
Protect your vehicle with trusted advice, flexible coverage, and a team that puts Victoria drivers first. We make ICBC and optional insurance simple, so you can drive with peace of mind.
Western Coast Insurance Services Ltd. is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.