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Cheap car insurance for new drivers.
Young drivers are insured in the same way as experienced drivers, but often pay higher rates because they’re believed to be at greater risk of a collision.
We help find the lowest insurance rates for new drivers.
Whether you’re getting your licence for the first time at 16 or at 30, our licenced brokers have the expertise and experience to help every type of new driver in Ontario get great car insurance.
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Types of car insurance for new drivers.
When you’re getting auto insurance for the first time, the following are crucial to any policy, regardless of what province you live in:
Accident benefits: Covers you or others injured or killed in a collision.
Direct compensation property damage (DCPD): In a collision with one or more vehicles, when you’re not at fault, this coverage means your insurance company will compensate you directly rather than your having to get damages from the at-fault driver.
Liability or third-party liability insurance: In a collision you’re found responsible for, where there’s property damage, personal injury or death, this coverage will protect you financially.
Uninsured auto: Covers you if you’re in a collision with an uninsured driver.
Speak to a licenced broker for insights specific to your region. Cheap auto insurance for new drivers varies from province to province.
Here’s a breakdown:
|Province||Minimum insurance required|
|Alberta||Third-party liability ($200,000), accident benefits|
|B.C.||Third-party liability ($200,000), accident benefits|
|Manitoba||Third-party liability ($200,000), accident benefits, uninsured auto coverage|
|New Brunswick||Third-party liability ($200,000), direct compensation property damage, accident benefits|
|Newfoundland and Labrador||Third-party liability ($200,000), uninsured auto coverage|
|Northwest Territories||Third-party liability ($200,000), accident benefits|
|Nova Scotia||Third-party liability ($500,000), direct compensation property damage, accident benefits|
|Nunavut||Third-party liability ($200,000), direct compensation property damage, accident benefits|
|Ontario||Third-party liability ($200,000), direct compensation property damage, accident benefits|
|Prince Edward Island||Third-party liability ($200,000), direct compensation property damage, accident benefits|
|Quebec||Third-party liability ($50,000), direct compensation property damage, accident benefits|
|Saskatchewan||Third-party liability ($200,000), accident benefits|
|Yukon||Third-party liability ($200,000), accident benefits|
Frequently Asked Questions about car insurance for new drivers in Ontario.
Car insurance rates for first time drivers depend on how different companies evaluate the different risk factors in your application.
To manage their risk of having to pay out a claim, insurance companies look at a range of variables such as a driver’s age, experience, claims history as well as the type of coverage they’re seeking, the vehicle they’re driving and how they’ll be using it.
While there are several tactics for how new drivers get low insurance, customizing a policy is among the best ways to help reduce your rate.
Connect with one of our brokers to create the policy that’s right for you.
Location and driver experience are two important factors that insurance companies look at when setting a rate.
For example, car insurance for first time drivers in Ontario is likely to be higher than a rate for a new driver in Quebec, in part, because there is a higher volume of claims in the former.
Similarly, car insurance for new drivers in Alberta tends to be expensive, in part, because there is a high volume of claims there.
Research shows that car insurance for first time Alberta drivers is also high because drivers with less than eight years experience are more accident prone.
|Newfoundland and Labrador||$3,655.75|
|Prince Edward Island||$1,884.13|
Comparison shopping for car insurance for your first car is an important first step for securing the best coverage at the lowest rate.
There isn’t one company in particular that will offer the lowest rate. Rather, by customizing your policy so that you’re only paying for the coverages you need and nothing more, you’re likely to save money.
One of our licenced brokers will help you pick and choose coverages that make sense for your lifestyle. Get a quote and call us today: 1-855-754-0350.
Insurance rates for first time drivers are calculated in the same manner as they are for experienced drivers.
When determining a rate, insurance companies look at a range of factors including the driver’s age, gender, experience, coverage type and vehicle type as well as where they’ll be driving.
The best way for new drivers to find affordable auto insurance is to work with a licenced broker who can customize their policy.
There are also creative ways to save. For example, new drivers over 25 can find cheap car insurance by opting into a telematics program which tracks driving behaviour to confirm the rules of the road are being obeys and, therefore, that the driver is at lower risk of being in a collision and making a claim.
Many students are able to save by being insured under their parents’ policy.
First time drivers, who are over 21, seeking insurance and still in school, may be able to save if the company that holds their policy offers favourable rates for students who maintain good grades.
Connect with one of our licenced brokers to learn more about how you can save: 1-855-754-0530.
Our recommendations are free and we'll answer any questions you have about being insured when you're a new driver.