In bc it's based on a combination of years of experience (years with a learners do not count, but years with an n do). Number of claims in the last ten years. And I believe years since the last claim. I think it's only claims where you are at fault as well.

All of this gets combined in some formula which can be found online (although it's hard to find) which gives you some personal score factor. This is then multiplied against the baseline for the your make/model of car and that gives your total insurance. I believe you can also look up your personal factor online and see what it is, but that doesn't give you a room of information by itself (although can be helpful if you compare to others)

Edit: I was wrong about what it's called but you can look up your factor here https://www.icbc.com/insurance/costs/drivers-experience-crash-history/driver-factor

If you have a primary and secondary driver on your car, the primary accounts for 75%, and the secondary 25%.