The cost of car insurance for 17 year old males and females in Canada can vary greatly depending on several factors, including the individual’s driving history, the type of vehicle being insured, and the province in which they reside.

In general, young and inexperienced drivers, including 17 year old males and females, tend to pay higher insurance rates due to the increased risk they pose to insurance providers. However, some insurance providers may offer discounts to young drivers who complete a driver’s education course or maintain good grades in school.

To obtain an accurate car insurance quote, it is best to compare quotes from multiple insurance providers and consider factors such as coverage levels, deductibles, and any additional features or discounts that may be available. It may also be helpful to work with an insurance agent who can help you find the right coverage for your specific needs and budget.

Car insurance rates for 17-year-old drivers in Canada

It’s important to note that car insurance rates for 17-year-old drivers in Canada can vary greatly depending on a variety of factors, such as driving record, type of car, location, and more. Additionally, insurance rates can change over time, so the information below is only a rough estimate based on data available,

Province: Ontario

• Average cost per year: $5,750
• Average cost per month: $479
• Major cities and example driver profiles:
  • Toronto: Male driver with no accidents, driving a Honda Civic, could pay around $5,500 per year. Female driver with no accidents, driving a Toyota Corolla, could pay around $4,500 per year.
  • Ottawa: Male driver with one accident, driving a Ford Focus, could pay around $7,000 per year. Female driver with one accident, driving a Mazda 3, could pay around $6,000 per year.
  • Hamilton: Male driver with one speeding ticket, driving a Volkswagen Jetta, could pay around $8,500 per year. Female driver with one speeding ticket, driving a Honda Accord, could pay around $7,500 per year.

Province: Alberta

• Average cost per year: $3,800
• Average cost per month: $317
• Major cities and example driver profiles:
  • Calgary: Male driver with no accidents, driving a Hyundai Elantra, could pay around $3,500 per year. Female driver with no accidents, driving a Kia Forte, could pay around $2,800 per year.
  • Edmonton: Male driver with one accident, driving a Toyota Camry, could pay around $4,500 per year. Female driver with one accident, driving a Nissan Altima, could pay around $3,800 per year.
  • Red Deer: Male driver with one speeding ticket, driving a Chevrolet Malibu, could pay around $5,000 per year. Female driver with one speeding ticket, driving a Subaru Impreza, could pay around $4,200 per year.

Province: Quebec

• Average cost per year: $3,200
• Average cost per month: $267
• Major cities and example driver profiles:
  • Montreal: Male driver with no accidents, driving a Honda Civic, could pay around $3,000 per year. Female driver with no accidents, driving a Toyota Corolla, could pay around $2,500 per year.
  • Quebec City: Male driver with one accident, driving a Ford Focus, could pay around $4,000 per year. Female driver with one accident, driving a Mazda 3, could pay around $3,500 per year.
  • Sherbrooke: Male driver with one speeding ticket, driving a Volkswagen Jetta, could pay around $4,500 per year. Female driver with one speeding ticket, driving a Honda Accord, could pay around $4,000 per year.

Province: Nova Scotia

• Average cost per year: $4,400
• Average cost per month: $367
• Major cities and example driver profiles:
  • Halifax: Male driver with no accidents, driving a Hyundai Elantra, could pay around $4,000 per year. Female driver with no accidents, driving a Kia Forte, could pay around $3,500 per year.
  • Dartmouth: Male driver with one accident, driving a Toyota Camry, could pay around $5,000 per year. Female driver with one accident, driving a Nissan Altima, could pay around $4,500 per year.
  • Sydney: Male driver with one speeding ticket, driving a Chevrolet Malibu, could pay around $5,500 per year. Female driver with one speeding ticket, driving a Subaru Impreza, could pay around $5,000 per year.

It’s worth noting that the above examples are just estimates based on hypothetical driver profiles and may not reflect the actual rates that drivers in those areas will pay. Insurance companies use complex algorithms and a wide range of data points to calculate premiums, and rates can vary greatly based on individual circumstances.

When it comes to insuring a 17-year-old driver, however, there are a few things that tend to drive up rates. These include lack of driving experience, which can make young drivers more likely to get into accidents; higher rates of speeding and other traffic violations; and a generally higher risk tolerance among young drivers.

Overall, if you’re a 17-year-old driver in Canada, it’s a good idea to shop around for car insurance and to compare rates from multiple providers. Additionally, taking a defensive driving course or getting good grades in school may help to lower your rates. Finally, if you’re considering buying a car, keep in mind that some types of vehicles are more expensive to insure than others, so it’s important to factor in insurance costs when making your purchasing decision.

How Much Does It Cost To Add A 17 Year Old To Car Insurance?

Car insurance in Ontario for a 17-year-old driver can cost roughly between $3751 and $7280.

Adding a 17-year-old driver to your existing car insurance policy can reduce this cost. There are many factors that would dictate the exact cost of adding a 17-year-old to your existing car insurance policy. 

What Cars Is The Cheapest To Insure For A 17 Year Old?

The cost of insuring a car for a 17-year-old can vary greatly depending on several factors, including the type of car, its value, safety features, and the location of the driver. However, some of the cars that are commonly considered to be among the cheapest to insure for young drivers include:

1. Honda Fit
2. Toyota Yaris
3. Kia Rio
4. Ford Fiesta
5. Hyundai Accent
6. Chevrolet Spark
7. Nissan Versa
8. Mazda2
9. Mitsubishi Mirage
10. Volkswagen Polo

The cost of car insurance for a 17-year-old driver in Canada can vary depending on several factors, including the type of car they drive, their location, and their driving history. In general, smaller cars with good safety features and lower horsepower tend to have lower insurance premiums.

To give you an idea of the average cost of car insurance for a 17-year-old driver in 10 major Canadian cities, here are some estimates based on a sample driver profile:

Driver Profile:

• 17-year-old male
• Clean driving record
• Owns a 2010 Honda Civic
• Drives around 10,000 kilometers per year
• Lives in the city center

Note: These are only estimates, and the actual cost of insurance can vary depending on many factors.

1. Toronto, Ontario:

• Average annual cost: $5,496
• Average monthly cost: $458

2. Montreal, Quebec:

• Average annual cost: $3,786
• Average monthly cost: $316

3. Vancouver, British Columbia:

• Average annual cost: $6,396
• Average monthly cost: $533

4. Calgary, Alberta:

• Average annual cost: $4,464
• Average monthly cost: $372

5. Ottawa, Ontario:

• Average annual cost: $3,888
• Average monthly cost: $324

6. Edmonton, Alberta:

• Average annual cost: $4,512
• Average monthly cost: $376

7. Winnipeg, Manitoba:

• Average annual cost: $3,600
• Average monthly cost: $300

8. Quebec City, Quebec:

• Average annual cost: $3,348
• Average monthly cost: $279

9. Hamilton, Ontario:

• Average annual cost: $4,728
• Average monthly cost: $394

10. Halifax, Nova Scotia:

• Average annual cost: $3,540
• Average monthly cost: $295

Again, these are only estimates and the actual cost of insurance can vary depending on several factors. It’s always a good idea to shop around and compare insurance quotes from different providers before making a decision.

17-Year-Old Drivers Are Considered A Higher Risk To Car Insurance Providers

Yes, 17-year-old drivers are considered to be a higher risk to car insurance providers because they have less driving experience and are statistically more likely to be involved in accidents. Additionally, younger drivers are often seen as more likely to engage in risky driving behaviors, such as speeding or driving under the influence of drugs or alcohol. This increased risk is reflected in the higher insurance premiums that young drivers are often required to pay. However, as young drivers gain more experience and demonstrate responsible driving habits, their insurance rates may decrease over time.

Other Factors That May Contribute To Higher Auto Insurance for 17-Year-Old Drivers

There are several other factors that may contribute to higher auto insurance rates for 17-year-old drivers:

1. Type of vehicle: The type of vehicle a young driver operates can impact their insurance rates. Sports cars, for example, are often more expensive to insure due to their higher performance and the likelihood of them being involved in accidents.
2. Driving record: Young drivers with a history of traffic violations or accidents are more likely to face higher insurance rates.
3. Location: Insurance rates can vary depending on the location where a young driver lives. For example, urban areas tend to have higher insurance rates due to increased traffic congestion and a higher likelihood of accidents.
4. Insurance history: A young driver’s insurance history, including the types of coverage they have selected, can also impact their insurance rates.
5. Credit history: In some provinces, such as Ontario, car insurance companies may consider a young driver’s credit history when determining their insurance rates. Good credit can often result in lower insurance rates.

It’s important to note that while young drivers face higher insurance rates, they can still find affordable coverage by shopping around, comparing quotes, and taking advantage of discounts.