Drivers with more driving offences or convictions get involved in more crashes than other drivers. If you’ve accumulated points on your driving record, you could receive a bill for a driver premium. There are two different driver premium programs, both of which are assessed annually – the Driver Penalty Points Premium and the Driver Risk Premium.
Changes to how we set insurance premiums
We’ve changed the way we set insurance premiums to hold drivers more accountable for their driving decisions and to more accurately reflect drivers’ risk. As of November 1, 2019, the driver penalty point premium will increase.
If you have frequent or serious driving convictions resulting from violations that occurred on or after June 10, 2019, your premium costs for Collision and Third Party Liability coverages may be impacted. For more information, read the news release.
Find out more about how we’re making car insurance better for B.C.
Driver Penalty Point Premium
Driver Penalty Points are collected on your driving record through traffic offences. Each offence carries a different number of points. Each year we look at the total number of points you received during a 12-month period we call your “assessment period.” Your assessment period may include driving offences during an earlier period which have only recently been recorded on your driving record.
If you collect more than three points on your driving record during the assessment period, you’ll pay a Driver Penalty Point (DPP) premium.
With increased enforcement in communities throughout B.C., having multiple infractions can now put a serious dent in your wallet. The more penalty points on your driving record, the more you’ll pay as a result.
Driver Penalty Points are separate from Autoplan insurance premiums. They are billed even if you don’t own or insure a vehicle.
As of September 1, 2019, convictions for frequent or serious driving offences that occurred on or after June 10, 2019 may be factored into your premium costs for Collision and Extended Third Party Liability coverages. Read the news release for more information.
How much will I pay?
The premium ranges from $252 for four points to $34,560 for 50 or more points. To find out how much you will pay, compare the number of points on your driving record with the table of Driver Penalty Point premiums.
Driver Risk Premium
Some offences or convictions, such as excessive speeding, may apply to both the Driver Penalty Point program and the Driver Risk Premium. You will be billed once per year under the program that results in the higher premium.
More information
For questions about your personal situation, contact us.
Pay a Driver Penalty Point Premium
If you’ve received a bill for a Driver Penalty Point premium, you have 30 days from the invoice date to pay it. Your bill can be paid in person or by mail.
In person
Please bring the bill we sent to you and pay it at one of the following locations:
- Financial institutions (check with your bank or credit union)
- most Autoplan brokers
- ICBC driver licensing offices
- ICBC claim centres
We accept major credit cards (Visa, MasterCard, and American Express), debit, cash, money orders, and personal cheques.
By mail
Be sure to include:
- payment
- by cheque or money order, payable to the Insurance Corporation of British Columbia, or
- by credit card with the completed Visa, MasterCard, or American Express form that was attached to your bill
- the completed remittance slip attached to the bill, or a note with the following details about the multiple-crash premium:
- the bill number
- your full name
- address
- driver’s licence number, and
- date of birth.
Mail to:
ICBC Revenue Accounting
151 West Esplanade
North Vancouver, BC V7M 3H9
For your security, don’t send cash in the mail.
Disputing points
By paying a traffic ticket, you’re accepting guilt and the points associated with the ticket. The only way to dispute penalty points is by disputing the ticket that you have received. Tickets and points are kept on your driving record for five years.
Driver Penalty Point Premium chart
The Driver Penalty Point premium you need to pay depends on the total number of points you accumulate in a 12-month period. These points stay on your driving record for five years, but you only pay the premium once.
Driver Risk Program may also apply
Some offences or convictions, such as excessive speeding, may apply to both the Driver Penalty Point program and the Driver Risk Program. You will be billed once per year under the program that results in the higher premium.
| Number of penalty points | Annual Driver Penalty Point premium $ (prior to November 1, 2019) | Annual Driver Penalty Point premium $ (as of November 1, 2019) |
|---|---|---|
| 0-3 | Nil | Nil |
| 4 | $210 | $252 |
| 5 | $276 | $331 |
| 6 | $360 | $432 |
| 7 | $498 | $598 |
| 8 | $624 | $749 |
| 9 | $768 | $922 |
| 10 | $1,086 | $1,303 |
| 11 | $1,296 | $1,555 |
| 12 | $1,512 | $1,814 |
| 13 | $2,016 | $2,419 |
| 14 | $2,304 | $2,765 |
| 15 | $2,592 | $3,110 |
| 16 | $2,976 | $3,571 |
| 17 | $3,360 | $4,032 |
| 18 | $3,744 | $4,493 |
| 19 | $4,128 | $4,954 |
| 20 | $4,512 | $5,414 |
| 21 | $4,992 | $5,990 |
| 22 | $5,472 | $6,566 |
| 23 | $5,952 | $7,142 |
| 24 | $6,432 | $7,718 |
| 25 | $6,912 | $8,294 |
| 26 | $7,488 | $8,986 |
| 27 | $8,064 | $9,677 |
| 28 | $8,640 | $10,368 |
| 29 | $9,216 | $11,059 |
| 30 | $9,792 | $11,750 |
| 31 | $10,464 | $12,557 |
| 32 | $11,136 | $13,363 |
| 33 | $11,808 | $14,170 |
| 34 | $12,576 | $15,091 |
| 35 | $13,344 | $16,013 |
| 36 | $14,112 | $16,934 |
| 37 | $14,880 | $17,856 |
| 38 | $15,648 | $18,778 |
| 39 | $16,416 | $19,699 |
| 40 | $17,472 | $20,966 |
| 41 | $18,432 | $22,118 |
| 42 | $19,392 | $23,270 |
| 43 | $20,352 | $24,422 |
| 44 | $21,312 | $25,574 |
| 45 | $22,272 | $26,726 |
| 46 | $23,424 | $28,109 |
| 47 | $24,576 | $29,491 |
| 48 | $25,728 | $30,874 |
| 49 | $26,880 | $32,256 |
| 50 or more | $28,800 | $34,560 |
Reducing your Driver Penalty Point premium
You can reduce or eliminate your driver penalty point premium if you give up your driver’s licence for a temporary period.
Options for reducing your driver penalty point premium
You have two options to reduce the cost of your driver penalty point (DPP) premium:
- If you give up your driver’s licence for one year from your birthday, your DPP premium can be eliminated.
- If you give up your licence for at least 30 days during your billing period, your DPP premium could be reduced.
Premium reductions are also available to drivers who have been prohibited, suspended or who are off the road for certain other reasons. Remember that there are fees to re-instate your licence.
How to get your premium reduced
- Go to a driver licensing office to turn in your licence.
- When your time without a licence (minimum 30 days) has passed, call ICBC to find out how much you now owe.
- Pick up your re-issued licence from your driver licensing office.
- Pay what is owed on your DPP premium and your fee.
Suspended and prohibited drivers
If you have been suspended or prohibited from driving for 60 days or more, you’re eligible for a DPP premium reduction. These 60 days must have been completed within the billing period.
To get your premium reduced:
- Call ICBC when your suspension ends to find out how much you now owe.
- Re-instate your licence by attending one of our driver licensing offices.
- Pay what is owed on your DPP premium as well as the re-instatement fee and licence fee.
Have you been out of B.C. or off the road?
A DPP premium reduction is also available if, for 30 days during your billing period, you were:
- living in another province and held a driver’s licence from there
- staying in a country other than Canada or the U.S.
- incarcerated, or
- not operating a vehicle for medical reasons.
To be eligible, you need documentation showing that one of these conditions applies to you.
Disputing points
By paying a traffic ticket, you’re accepting guilt and the points associated with the ticket. The only way to dispute penalty points is by disputing the ticket that you have received. Tickets and points are kept on your driving record for five years.