ICBC Rate Fairness – Results

Engagement Summary

The B.C. government and ICBC wanted to introduce changes to the current system to make insurance rates more fair for British Columbians by making all drivers more accountable for their decisions and driving behaviour.

The model ICBC uses to help determine insurance rates is more than 30 years old. While it has seen some improvements over the years, it is out of date. This means that, some drivers are paying more and some drivers are paying less than the risk they represent.

British Columbians have been saying for years that the system would be more fair if lower risk drivers paid less for their insurance, and higher risk drivers paid more. We agreed and looked at changes to the way insurance rates are determined.
There were several ways to participate:

  • Submit your feedback by email or mail.
  • Complete the online questionnaire



March 5 to April 5, 2018

Input Received
  • 69,778 visits to the ICBC Rate Fairness engagement site
  • 34,283 questionnaires were received
  • 495 individual submissions were received
  • 7 stakeholder submissions were received


Input leads to action:

Your feedback helped government and ICBC consider what changes may be required in order to design an improved auto insurance rating system for British Columbians that would make insurance rates more fair and better reflective of drivers’ levels of risk on the road.

The public engagement results will also help inform ICBC’s application on Basic insurance rate design to its regulator, the British Columbia Utilities Commission. The results have been compiled and can be found in the ICBC Rate Fairness What We Heard Report and the associated news release.

Following consideration of the feedback received in the ICBC Rate Fairness public engagement, government has announced significant proposed changes that will help make sure B.C. drivers pay ICBC premiums that more fairly and accurately reflect the risk they represent on the roads. For more information, visit the news release at:

For the latest information on rate design changes, visit: