Here are the main discounts and savings ICBC currently lists for Autoplan policy holders, based on ICBC’s own “Discounts and savings” and related pages as of 2025–2026. Exact eligibility and amounts can depend on your vehicle, use, and driving record, so treat this as a structured summary rather than legal advice.
1. Distance‑based (usage‑based) discounts
Basic distance‑based discount
- 10% discount on Basic coverage
- Eligibility:
- Drive less than 5,000 km/year
- Annual (12‑month) ICBC policy
- Provide odometer readings one year apart
- Vehicle in an eligible rate class (e.g., not most motorcycles, RVs, collector vehicles)
Optional distance‑based discount (10–15%)
- 10–15% discount on select Optional coverages if you drive <15,000 km/year (for renewals on or after June 1, 2025):
- Extension Third Party Liability
- Collision
- Comprehensive
- Specified Perils
- Requirements:
- 12‑month Autoplan policy with ICBC Optional coverage
- Odometer readings at start and renewal
- Eligible vehicle rate class
- If you drive under 5,000 km and meet all criteria, you can get both:
- 10% Basic distance‑based discount, and
- 10–15% Optional distance‑based discount
- 10–15% discount on select Optional coverages if you drive <15,000 km/year (for renewals on or after June 1, 2025):
2. Advanced safety technology discount (AEB)
Autonomous Emergency Braking (AEB) / Advanced Safety Technology Discount
- 10% discount for vehicles with factory‑installed autonomous emergency braking (AEB).
- Applies to:
- Basic coverage
- Some Optional coverages
- Also available to fleet and commercial non‑fleet policies that qualify.
- AEB must be factory‑installed; ICBC recommends confirming via the dealership or owner’s manual.
3. Experience‑based and senior‑related savings
Experienced‑driver savings
- Basic insurance discounts increase with each year of driving experience, up to 40 years.
- ICBC also offers discounted premiums for inexperienced drivers, but:
- Discount is reduced after one at‑fault crash
- Eliminated after a second at‑fault crash within the scan period.
Seniors’ savings (Senior Driver Factor)
- Seniors (age 65+) receive Basic insurance savings via a reduced internal driver factor on eligible policies.
- Conditions:
- Vehicle is owned or leased by a senior (65+)
- Vehicle is primarily pleasure use (seniors can still use it for commuting/business/delivery up to 6 days per calendar month)
- Impact of crashes:
- One chargeable claim in the scan period → senior-related savings cut in half
- Two or more chargeable claims → senior discount removed.
4. Anti‑theft related discounts and deductible savings
Passive electronic immobilizer discount (Anti‑theft device discount)
- For vehicles equipped with a passive electronic immobilizer (activates automatically when key is removed; no button press needed).
- Can reduce premiums on:
- Comprehensive
- Specified Perils
- Motorcycles and trailers are not eligible.
Anti‑theft deductible savings
- $100 deductible rebate when:
- An installed and activated anti‑theft device prevents theft and there is evidence of attempted theft, or
- The vehicle is stolen and recovered, with evidence the anti‑theft device was compromised.
- Again, motorcycles and trailers are not eligible.
- $100 deductible rebate when:
5. Fleet discount
- Fleet discount
- For businesses that insure five or more eligible vehicles for commercial/business use under a fleet plan.
- Potential savings of up to 63% on Autoplan premiums, depending on fleet claims experience and other factors.
6. Disability discount
- Disability discount (linked to Fuel Tax Refund Program for Persons with Disabilities)
- 25% discount on Basic insurance for one eligible vehicle.
- Available if you have been approved under the B.C. Fuel Tax Refund Program for Persons with Disabilities.
- Applies even if the person with the disability does not personally drive the insured vehicle, provided they have an ownership interest.
- Requires:
- Fuel Tax Refund Program confirmation letter and registration number
- Insurance documents
- Photo ID
- Visit to an Autoplan broker to add the discount, with the owner/lessee present if different from the person with the disability.
7. Other savings / related features (not always marketed as “discounts”)
These aren’t exactly “discounts” but do affect how much you pay:
Crash forgiveness (for long, clean records)
- One at‑fault crash may be “forgiven” if:
- 20+ years of driving experience (at least 10 in B.C.), and
- Crash‑free for the last 10 years.
- This protects your discount level from one crash.
- One at‑fault crash may be “forgiven” if:
New and returning residents – recognition of out‑of‑province experience
- ICBC credits up to 15 years of non‑B.C. driving experience, which improves your Basic insurance discount level.
Important notes
- Not every discount applies to every policy. Many depend on rate class (e.g., pleasure use vs delivery, motorcycle vs private passenger), age, claim history, and coverage chosen.
- Some discounts apply only to Basic, only to Optional coverages, or both.
- ICBC occasionally updates thresholds (e.g., the distance‑based discount expanded from 10,000 km to 15,000 km).
As of April 13th, 2025, ICBC is increasing the the Optional Distance Based Discount eligibility from 10,000KM to 15,000KM. With this change more customers will now receive a minimum 10% discount. The less you drive, the more you save! This enhanced program will now be called the “Basic Distance-Based Discount.”
As of May 1, 2021, ICBC initiated “enhanced care” coverage for all British Columbians – replacing all previous coverage limits. This no-fault insurance ensures that all claimants have access to improved benefits, whether the claimant is a driver, passenger, pedestrian or cyclist, and regardless of whether at-fault for a crash or involved in a single-car collision.
British Columbians hurt in a crash will also have access to significantly enhanced medical care and recovery benefits, regardless of whether they were at-fault. Care and recovery benefits will increase from $300,000 to a maximum of at least $7.5 million — 24 times higher than what’s available today.
Wage loss payments will be 60 per cent higher than today, to a maximum of up to $1,200 per week. Higher income earners can also buy additional wage loss coverage. To learn more about ICBC Coverage Options click on the following link: ICBC Options
To read more about the litigation ban and third party liability coverage click on the following links to download or print.
New Lawsuit Ban issued by ICBC
Guide to ICBC Third Party Liability Coverage
Off-Highway Third Party Liability Guide
Enhanced Care Basic and Optional Changes
Commercial Customer Coverage Changes