First-time drivers in Ontario can get car insurance with a G1, G2, or full G licence, but usually pay more at first because they have no driving record. You can lower the cost with driver training, a safe vehicle, telematics, bundling, and by comparing several insurers. Premiums fall as you build a clean record.
By Navneet Saran, RIBO- and LLQP-licensed insurance broker, Brampton & GTA.
What do first-time drivers pay—and why?
Ontario insurers price by risk, and a brand-new driver has no history to show they’re low-risk, so the starting premium is higher. The good news: it’s the most improvable rate you’ll ever have. Every year of clean driving, and each step from G1 to G2 to full G, typically lowers it.
Can you get insured on a G1 or G2 licence?
Yes. Many new drivers start by being added to a family member’s policy on a G1/G2, then move to their own policy. Either way, you must be insured before driving a vehicle you own.
How to get your first car insurance policy
- Get your Ontario licence (at least G1 or G2).
- Gather your details: licence, Ontario address, and vehicle VIN.
- Compare insurers—or have a broker compare for you.
- Apply discounts: driver training, telematics, bundling.
- Activate coverage before you drive.
Ways first-time drivers save
| Tactic | How it helps |
|---|---|
| Ministry-approved driver training | Discount + counts toward experience |
| Telematics / usage-based insurance | Rewards safe driving with lower rates |
| Modest, safe vehicle | Cheaper to insure than high-powered cars |
| Bundle with tenant/home insurance | Multi-policy discount |
| Compare multiple insurers (broker) | Each rates new drivers differently |
New to Canada as well as new to driving? See our guide to car insurance for newcomers, estimate costs with our insurance calculators, or get a free quote.
Frequently asked questions
How much does first car insurance cost in Ontario?
First-time drivers in Ontario usually pay more than experienced drivers because they have no driving record. Exact cost depends on your age, location, vehicle, and licence class (G1, G2, or G). Comparing several insurers through a broker is the most reliable way to find your lowest available rate.
Can I get car insurance with a G1 or G2 licence?
Yes. You can be insured as a G1 or G2 driver, often by being added to an existing policy or starting your own. Premiums typically drop as you move from G1 to G2 to a full G licence and build a clean record.
Does driver training lower insurance for first-time drivers?
Often yes. Completing a Ministry-approved driver-training course can qualify new drivers for a discount with many insurers and may reduce the time you’re rated as inexperienced.
Is it cheaper to be added to my parents’ policy?
Frequently, yes. Being added as a secondary driver on a parent’s policy can be more affordable than a standalone policy for a brand-new driver, though the right answer depends on the vehicle and household.
How can first-time drivers reduce their premium?
Choose a modest, safe vehicle; complete accredited driver training; consider usage-based (telematics) insurance; bundle with tenant or home insurance; and compare multiple insurers through a broker.
