# Victoria Car Insurance > Whether you are looking for basic Autoplan coverage or enhanced, optional vehicle protection, our Victoria car insurance brokers can help. Contact us today. Victoria Car Insurance Request Renewal Get a Quote Acera Insurance offers dependable auto insurance in Victoria Whether you live and work in the same neighbourhood or commute daily, driving is a central part of most people’s routines. Maybe you travel from the West Shore into Victoria’s historic downtown along Highway 1, take the Patricia Bay Highway from Saanich, or cycle throughout the week and save your car for weekend trips out to Sooke. No matter how you use your vehicle, it’s essential to ensure that you, your passengers, and your car are properly protected with the right insurance. Choosing the best auto insurance should be a positive experience. Our friendly Victoria car insurance advisors are dedicated to guiding you through your options and answering any coverage questions you may have. We are committed to ensuring you feel confident as you select coverage for yourself, your family, and your vehicles. Let us help you protect what matters most. Reach out today and discover just how simple getting car insurance can be with the right advisors. Victoria auto insurance: Understanding ICBC policies In Victoria, everyone’s standard auto insurance is purchased through the Insurance Corporation of British Columbia, also known as ICBC. This trusted provider offers what is referred to as Basic Autoplan insurance, ensuring all motorists have essential protection on the road. While Autoplan delivers a solid foundation, many drivers often decide they want a little extra peace of mind. With basic auto insurance in Victoria, you’re covered for: Third-party liability: Safeguards you against damages or injuries your vehicle may cause to property, up to $200,000. Enhanced care: Offers support for medical expenses and loss of income if you’re injured in an accident, no matter who was at fault. Basic vehicle damage: Provides up to $200,000 in coverage for damages and repairs to your vehicle when you are not at fault in an accident. Please note that this coverage does not include claims resulting from hit and run incidents. Looking for additional protection and flexibility? Optional auto insurance lets you choose the coverage that best fits your lifestyle and budget. Our friendly advisors are here to help you explore your options and find the right policy for you. Exclusive ICBC discounts for Victoria drivers ICBC provides a range of discounts designed to help you lower your costs. Check out some of the ways you might qualify for savings below: Experienced-driver discount: The more years you’ve been driving without making a claim, the more you can save. ICBC recognizes up to 40 years of claims-free driving experience when calculating your discount. Senior driver discount: If you’re over 65 and use your vehicle primarily for pleasure (with commuting allowed up to six days a calendar month), you’ll enjoy special rates. Please note: If you’re at fault in two crashes during the same period, your savings may be removed. Distance-based discount: If you log fewer than 5,000 kilometres on your vehicle within a policy year, you could be eligible for a 10% reduction on your ICBC Basic Autoplan premium. Plus, if your annual mileage is under 15,000 kilometres, you could be eligible for a 10-15% discount on optional ICBC coverage such as Extension Third Party Liability, Collision, and Comprehensive. Be sure to provide accurate odometer readings to your broker to confirm eligibility for these savings Disability discount: To qualify, the registered owner or lessee(s) must be approved for the Fuel Tax Refund Program for Persons with Disabilities by the Consumer Taxation Branch (CTB). To confirm your eligibility, please bring your Fuel Tax Refund Program confirmation letter and registration number, insurance documents, and photo ID when you speak with an Autoplan broker. You may be eligible to receive a 25% discount on basic auto insurance for one vehicle. Connect with one of our licensed ICBC insurance brokers in Victoria. We’re happy to answer your questions and help you maximize your savings. Victoria drivers, renew your ICBC Autoplan Did you know it’s now easier than ever to keep your coverage up to date? You can renew your ICBC insurance online quickly, simply, and conveniently. For each driver on your policy, just have their driver’s licence number and date of birth handy, and take a quick photo of your vehicle’s odometer. Renew BC Auto Insurance Online If you’re eligible, renewing your insurance online with ICBC is easy. Renew Online Request BC Auto Insurance Renewal Need assistance? Complete our form to speak with an Acera Insurance advisor. Start Request Discover the advantages of choosing a Victoria auto insurance broker At Acera Insurance, our friendly Victoria auto insurance team is dedicated to making your experience smooth and stress-free. We’re here to help you secure both your standard ICBC auto coverage and enhanced private insurance options, tailored to your unique needs. Not sure about the difference between government and private auto insurance? We’ll walk you through all the details, so you can make confident, informed choices about your coverage. In the event you need to make a claim, our dedicated in-house team is right by your side, guiding you every step of the way. We’ll advocate for you and work to resolve your claim quickly and efficiently, so you can get back on the road with peace of mind. Let us show you how straightforward your car insurance experience can be. Connect with us today to get started! Why work with Acera Insurance for your Victoria auto coverage? Auto expertise and dependable service when you need it most, that’s us Trusted Auto Experts Our Victoria auto insurance brokers provide knowledgeable advice and help you select the coverage that best suits your needs. More Ways to Save Access competitive rates on private auto coverage, thanks to our partnerships with multiple insurance providers. Claims Support If you need to report an auto claim, our team is here to help support you and make the experience as seamless as possible. Private auto insurance options in Victoria, BC Did you know you have choices when it comes to car insurance? While the basic ICBC Autoplan is mandatory, you can also access private insurance options to customize your coverage to fit your needs. Basic insurance must be purchased through ICBC. However, optional coverages can be obtained from either ICBC or select private insurers. These include: Extended third-party liability Collision Comprehensive Roadside assistance For some drivers, buying these additional auto coverages from a private insurer may be more cost-effective or offer better coverage options. Enhanced vehicle protection with Optiom Optiom is a supplemental product that provides replacement coverage for vehicles up to 10 years old, subject to certain exclusions. Brand New Vehicle Replacement: Vehicles from the current and previous year with under 25,000 kilometres qualify for up to 84 months of coverage. You’re guaranteed the Manufacturer’s Suggested Retail Price (MSRP) of your vehicle in the event of a total loss within seven years. Optiom helps pay off any remaining loan amount if your vehicle is financed at the time of loss. Optional OEM Parts Add-On: If your vehicle needs repairs, original equipment manufacturer (OEM) parts are used rather than generic or rebuilt parts. This is especially important for leased vehicles, as any aftermarket parts must be replaced with OEM parts when returning the lease, which could result in additional costs. Used Vehicle Replacement: Vehicles up to 10 years old from the current or previous year with over 25,000 kilometres are eligible for 36 to 60 months of coverage. The Black Book Value at the time of application is locked in for your policy term, ensuring your vehicle’s value doesn’t depreciate in the event of a total loss during that period. Eligibility Requirements: You must maintain both collision and comprehensive coverage. Vehicles must not be modified, rebuilt, or have a salvaged status. Start a private auto quote Collector vehicle insurance in Victoria Victoria truly stands out as an ideal destination for vintage vehicle enthusiasts. The region’s milder weather year-round allows you to enjoy scenic coastal drives in your cherished classic car, creating more opportunities for solo journeys or making memories with friends or loved ones. Protecting your prized vehicle is essential, and with the right coverage, you’ll have peace of mind every time you hit the road. If you own a collectible car over 25 years old or a limited production vehicle older than 15 years, collectors vehicle insurance is an excellent investment - offering specialized protection tailored to your unique automotive treasure. Save on your collector vehicle insurance premiums You could be eligible for a lower rate on your collector vehicle insurance premium if you also own or lease, and insure, another non-collector vehicle, or have a company-assigned vehicle for everyday use. This valuable discount is designed for those who use a separate vehicle for regular transportation. Please note, if your collector vehicle is the only vehicle you own, you will not qualify for a reduced rate. Maintaining collector vehicle status for continued eligibility and coverage If your vehicle has been granted collector status, it’s important to keep it in collector-worthy shape. If your classic car’s condition slips below the collector requirements, you might need to switch to regular plates and standard auto insurance. Just a heads up to help you keep enjoying those special perks. Talk to our Victoria auto insurance team to see how you can maximize your savings and keep your classic car protected for less. Luxury auto insurance in Victoria As we’ve reviewed, in Victoria and throughout British Columbia, everyone gets their basic auto insurance through ICBC. If you drive a luxury vehicle, you’ll likely notice that your basic insurance premiums are a bit higher. This is because luxury vehicles are classified as high value, making them more costly to repair and requiring specialized skills. Additionally, if a luxury car is stolen, the replacement cost is significantly greater. These factors contribute to the higher rates, but rest assured – luxury auto insurance is designed to help keep your prized vehicle properly protected. So, what is considered a high-value vehicle in Victoria? Typically, this refers to a private passenger car with a manufacturer’s suggested retail price (MSRP) of more than $150,000 if the vehicle is less than seven years old, or more than $400,000 if it is less than 14 years old. In some cases, luxury vehicles also require a separate application for ICBC Own Damage coverage through a Special Risk Own Damage Policy to be insured for collision, comprehensive, or specified perils. To note: high-value vehicles do not include commercial vehicles, motorcycles, motorhomes, or other recreational vehicles. For expert guidance on protecting your high-value vehicle, reach out to one of our local brokers today. We’ll clearly explain each step and make sure your luxury car receives the comprehensive coverage it deserves, so you can drive with confidence. Get a luxury auto quote Victoria Auto Insurance FAQs Find a Victoria branch Auto insurance insights for your everyday. Ready to get your free Victoria auto insurance quote? Simply complete our online form to receive free, no obligation quotes and advice from an expert broker. Get Started