Young Drivers Car Insurance Quotes | Under 25 Drivers

1-855-550-5515

Compare quotes for young drivers car insurance from the top providers in Canada and find a lower rate.

Get young car insurance quotes from the leading providers

See all providers

Getting young drivers car insurance (aged 16-24)

Young drivers car insurance is expensive. If you are under the age of 25 it can be challenging being in the "young driver insurance" category. Insurance rates are higher because you are seen as a greater threat to road safety compared to an experienced driver.

Young drivers want more affordable insurance. Your first step toward getting a better price is to compare car insurance quotes.

It is possible for a young driver to find lower car insurance premiums. Our advisors will help you with expert advice on how to get insured and save as much as possible. We can compare quotes from multiple insurers that have the best options for young drivers, so you get the cheapest rate.

How to compare young drivers car insurance quotes

Complete these quick and simple steps to compare free quotes in just a couple of minutes.

1) Start your quote

Enter your postal code and some basic information.

2) Enter your driving details

Provide your driving and vehicle information.

3) Compare quotes

See rates from the leading companies.

Choose your policy

Choose the lowest rate. Confirm the details with our experts and buy your insurance.

Get started

5-star car insurance for young drivers

Rated 4.7 out of 5 stars in 1463 Google reviews

We help thousands of young drivers get better savings on their auto insurance.

See all reviews

Kevin St Clair

2024-11-28

Betsy was a genuine pleasure to deal with considering the circumstances. Thanks again for all your help

Anthony Gomez

2024-11-27

Today, I want to take a moment to recognize Monica Chan, an exceptional insurance broker who has consistently gone above and beyond in her service to me. Monica's dedication to punctuality and consideration has been truly remarkable. She has always been prompt in responding to my inquiries and has never hesitated to offer her expertise and guidance. With Monica as my broker, I have never once felt worried about anything going wrong. Her proactive approach and attention to detail have provided me with peace of mind, knowing that my insurance needs are well-taken care of. Throughout our interactions, Monica has been incredibly helpful, patiently explaining complex insurance concepts and ensuring that I fully understand my coverage options. I wholeheartedly recommend Monica Chan to anyone seeking an insurance broker who genuinely cares about their clients' best interests. Her commitment to excellence and her willingness to go the extra mile make her an invaluable asset in the insurance industry.

Phyllis Baker

2024-11-20

Absolutely amazing service the broker Todd worked on my quote fast I recommend this company to anyone very professional I’m so glad I called them .. Thank you for your great work

Charles Cameron

2024-11-15

Betsy Bannon has been nothing short of amazing at helping us through the complex process of acquiring business insurance. She quickly understood our needs and expertly guided us to the right solution. From start to finish, she made us feel like her most important client which gave us the confidence that we were in great hands. We highly recommend Betsy!

Jermaine M

2024-11-05

I had a great experience with Patrick Vuong. He went above and beyond to help me update last minute changes to my policy in order to qualify for a government grant. Staying back late and coming in early the next day to help finishes the changes. Very kind and professional!

Mark Gaffney

2024-11-05

Betsy Bannon is a professional extremely friendly and knowledgeable and made my experience wonderful! Highly recommend her for any insurance needs. Mark Gaffney

fabian ward

2024-11-04

Great service! Prompt and very helpful! Thanks to Todd allan for really helping me out!

Stephen Mcfadden

2024-11-01

Great experience working with Sohel Rahman, appreciate his honest and can-do attitude. Highly recommend!

Ways to get lower car insurance rates for young drivers

Here are some helpful tips for how to get cheaper car insurance premiums for younger drivers:

Start on your parent's plan: This is a more cost-effective option than taking out your own insurance policy.
Get your full licence as quickly as possible: Work through the licensing process as quickly as possible.
Complete driver training: Complete driver training with a government-approved driving school.
Build insurance history: Become an occasional driver on your parent’s policy so you can build your insurance history.
Obey the road rules: Keep your record clean (no texting, no speeding, no drinking, no convictions).
Get good grades: Maintain excellent grades to qualify for the good student discount.
Get the right coverage: Choose a car and insurance package for young drivers.
Ask about alumni rates: You could qualify for savings by being a member of a particular university, professional association, or other organization.
Bundle: If you do not live with your parents, bundle your car and home insurance with your auto plan.
Choose the right vehicle: The car you drive matters. Choose an insurance-friendly vehicle to reduce how much you pay.
Use an insurance advisor: Speak with our insurance professionals. We'll help you find the best rates based on your driving and insurance needs.

Young drivers car insurance FAQs

Who is considered a young driver for car insurance?

Insurance companies consider a young driver to be anyone who is under 25 years old when rating for car insurance. So if you are between 16 and 24 and have a licence you will be rated as a young driver and pay more than older drivers. Getting car insurance in Ontario and in other parts of Canada will be more expensive for young drivers. Car insurance for new drivers to Canada can cost even more.

Why is car insurance more expensive for young drivers?

Car insurance is more as young drivers are inexperienced behind the wheel. Novice drivers account for about 25% of all collisions. Because of this, they are more likely to get into an auto accident. From an insurer's perspective, if you are more likely to file a claim, then it is a greater threat for them to insure you. Your rates go up to account for the higher likelihood of a claim. Some young drivers require high-risk insurance if they get a ticket or make a claim.

How much is auto insurance for young drivers?

Auto insurance for young drivers is significantly more than the cost for drivers 25 and over. Young drivers could pay five times more than the average rate. This is hundreds or even thousands more in premiums per year. But there are dozens of factors insurers consider. Get a quote to understand the factors that affect your unique driving situation.

How does car insurance work if I have a young driver in my home?

Any individual with a drivers licence living in your household, including young or teenage drivers should be added to your policy as a secondary driver. If a young driver living in your home has their own coverage then this is not required.

Who are the best insurance companies for a young driver?

There isn't one best place to get car insurance for young drivers. It depends on your situation, driving habits, and needs. Many insurers offer great options for young drivers. Often, the best insurer is your parents. Going on their policy is a good first step to gaining experience as an insured young driver. Also, consider insurers offering usage-based insurance plans.

How much will my car insurance go up if I add my son/daughter?

Your car insurance rates will increase when you add a young driver to your coverage. How much will depend on many factors:

Do they have their own car?
Are they a safe driver?
Do they have a full g licence?
Have they completed driver's training?
Do they have a clean driving record?
Do you have multiple cars insured?

In some instances, your rates can go up by 100% or more. Every situation is different.

Will insurance drop when young drivers turn 25?

Yes, in most cases insurance does down at age 25. Drivers under 25 will see a rate drop if they have a clean record and history of insurance. The more experience you gain when you are younger, the better. However, if you are a young new driver from another country, insurers may consider you a first-time driver, resulting in a higher insurance premium.

Young drivers can save on car insurance by using a driving app

There are many ways teenage and young drivers can lower their car insurance costs. Using a driving app is one of the best ways, especially if you are a first-time driver just getting insured and you are a good driver.

Usage-based insurance (UBI) or telematics is a great option if you:

Are between the age of 16-24
Have little or no driving history
Have no insurance history
Have completed a certified drivers training course

Then UBI could be the best way for you to get more affordable rates.

It monitors braking, acceleration, and kilometres driven. It’s the most cost-effective product for young drivers to save and allows you to build your driving and insurance history.

Benefits of using the app include:

Save up to up to 10% instantly by signing up.
Get up to 25% off with proven safe driving results.
Easy to set up with a ThinkInsure advisor.
Only a 6-9 month monitor trial period.
There is no risk. Premiums will not increase based on usage.

Save on car insurance by completing a young driver training course

When a young driver completes a government-approved driving program, they can save anywhere from 10-25% on premiums. Just provide your insurer with proof that you completed the course.

Learn & practice skills with a qualified instructor to build your confidence

When you take a driving course, you learn both practical in-car skills and in-class knowledge. You gain hours of training with a qualified teacher who is equipped with the most up-to-date knowledge on driving issues and challenges.

Get young drivers auto insurance quotes right now

Finding affordable car insurance for young drivers can be challenging. But there are still savings opportunities. Speak with a ThinkInsure advisor today to get a quote for young driver insurance and compare policy options from multiple companies.

Get started

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

2024-12-13

Best Tips For Driving In Fog

If you need to drive in heavy fog, using safe driving techniques can limit the chance of an accident. Here’s how you can drive safely in fog.

couple talking to insurance broker over a pile of documents

2024-12-10

Statutory Accident Benefits Schedule In Ontario - SABS

The Statutory Accident Benefits Schedule in Ontario ensures certain benefits are available to any person injured in a car accident. In this blog, we’ll discuss what the statutory accident benefits schedule is and the role it plays in insurance and accident benefits claims.

2024-11-29

Pay-As-You-Go Insurance In Canada

Learn about pay-as-you-go in Canada. Find out the costs, how it works, who it’s for and its role in the future of automobile coverage.

Road sign saying beware uninsured drivers