New Driver Insurance Canada

Getting car insurance as a new driver in Canada can be expensive. Learn how to find the best rates and what coverage you need in your province.

What New Drivers Pay

$3,000-5,000+
Under 25, urban areas
$2,500-3,500
Age 25-30
10-25%
Driver's ed discount
2-3 years
To build driving history

Featured Guides

OntarioG1/G2 Licensing

G2 Insurance Guide

Everything Ontario G2 drivers need to know about insurance rates, requirements, and how to save.

AlbertaGDL Program

Alberta GDL Insurance Guide

How Alberta's Graduated Driver Licensing affects your insurance rates and how to exit GDL.

Private Insurance Provinces

In these provinces, you can shop around for the best rates from multiple insurers.

ONOntarioABAlbertaQCQuebecNSNova ScotiaNBNew BrunswickNLNewfoundland and LabradorPEPrince Edward Island

Public Insurance Provinces

These provinces have government-run basic insurance with optional private add-ons.

BCBritish ColumbiaPublic InsuranceMBManitobaPublic InsuranceSKSaskatchewanPublic Insurance

Quick Tips for New Drivers

  • Take driver's education
  • Choose an affordable, safe car
  • Keep a clean driving record
  • Bundle with tenant's insurance
  • Consider usage-based insurance
  • Compare multiple quotes

Calculate Your Total Car Costs

Budget for car payment, insurance, and taxes before you buy.

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