Car insurance rates for new drivers in Canada can be higher compared to more experienced drivers. This is due to several factors, including the higher risk of accidents and traffic violations among new drivers. Here are some factors that can impact car insurance rates for new drivers in Canada:

1. Age: Younger drivers, especially those under the age of 25, are considered to be a higher risk and may pay higher insurance rates.
2. Type of Vehicle: The type of vehicle you drive can also impact your insurance rates, with sportier and more expensive cars typically costing more to insure.
3. Driving History: Your driving history, including any accidents or traffic violations, will also impact your insurance rates.
4. Location: Your location, including the city you live in and the frequency of traffic in your area, can also impact your insurance rates.
5. Insurance Coverage: The type of insurance coverage you choose, such as liability, collision, and comprehensive coverage, will also impact your insurance rates.

It’s important to shop around and compare quotes from multiple insurance companies to find the best rate for your specific needs and circumstances. You may also be able to secure discounts by taking a driver training course, having a good academic record, or bundling your car insurance with other types of insurance, such as home or life insurance.

Alberta

According to data from online insurance quote providers, the overall average cost of auto insurance for new drivers in Alberta is approximately $2,000 to $2,500 per year, or $170 to $210 per month, for a 25-year-old driver with no driving record and a clean license. However, the actual cost of auto insurance can vary depending on a variety of factors, including the driver’s age, location, driving record, and the make and model of their vehicle.

Here are some examples of the average cost of auto insurance for new drivers in 10 major cities in Alberta, based on the same driver profile:

1. Calgary – $2,595 per year or $216 per month
2. Edmonton – $2,420 per year or $202 per month
3. Red Deer – $2,130 per year or $178 per month
4. Lethbridge – $1,920 per year or $160 per month
5. Medicine Hat – $1,860 per year or $155 per month
6. Grande Prairie – $2,510 per year or $209 per month
7. Airdrie – $2,315 per year or $193 per month
8. Fort McMurray – $2,530 per year or $211 per month
9. Spruce Grove – $2,250 per year or $188 per month
10. Lloydminster – $2,550 per year or $212 per month

It’s important to keep in mind that these are just examples, and the actual cost of auto insurance can vary depending on the specific driver profile, insurance provider, and coverage options selected. It’s always a good idea to shop around for coverage from multiple providers and compare rates to find the best coverage at the best price.

British Columbia

The cost of auto insurance for new drivers in British Columbia can vary depending on several factors, including the driver’s age, location, driving record, and the make and model of their vehicle.

On average, the cost of auto insurance for new drivers in British Columbia is approximately $2,000 to $2,500 per year, or $170 to $210 per month.

Here are some examples of the average cost of auto insurance for new drivers in British Columbia, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

1. Vancouver – $235 per month or $2,815 per year
2. Surrey – $210 per month or $2,515 per year
3. Burnaby – $210 per month or $2,515 per year
4. Richmond – $215 per month or $2,580 per year
5. Victoria – $175 per month or $2,100 per year
6. Langley – $180 per month or $2,155 per year
7. Abbotsford – $170 per month or $2,035 per year
8. Coquitlam – $180 per month or $2,155 per year
9. Kelowna – $165 per month or $1,975 per year
10. Kamloops – $155 per month or $1,855 per year

Manitoba

The cost of auto insurance for new drivers in Manitoba can vary depending on several factors, including the driver’s age, location, driving record, and the make and model of their vehicle.

On average, the cost of auto insurance for new drivers in Manitoba is approximately $1,500 to $2,000 per year, or $125 to $170 per month.

Here are some examples of the average cost of auto insurance for new drivers in Manitoba, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

1. Winnipeg – $150 per month or $1,800 per year
2. Brandon – $135 per month or $1,620 per year
3. Steinbach – $125 per month or $1,500 per year
4. Portage la Prairie – $130 per month or $1,560 per year
5. Thompson – $185 per month or $2,220 per year
6. Selkirk – $140 per month or $1,680 per year
7. Winkler – $130 per month or $1,560 per year
8. Dauphin – $135 per month or $1,620 per year
9. Morden – $130 per month or $1,560 per year
10. The Pas – $170 per month or $2,040 per year

New Brunswick

The cost of auto insurance for new drivers in New Brunswick can vary depending on several factors, including the driver’s age, location, driving record, and the make and model of their vehicle. On average, the cost of auto insurance for new drivers in New Brunswick is approximately $1,500 to $2,000 per year, or $125 to $170 per month, for a 25-year-old driver with no driving record and a clean license.

Here are some examples of the average cost of auto insurance for new drivers in New Brunswick, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

1. Fredericton – $145 per month or $1,740 per year
2. Moncton – $135 per month or $1,620 per year
3. Saint John – $145 per month or $1,740 per year
4. Miramichi – $140 per month or $1,680 per year
5. Edmundston – $130 per month or $1,560 per year
6. Bathurst – $140 per month or $1,680 per year
7. Campbellton – $130 per month or $1,560 per year
8. Grand Falls – $130 per month or $1,560 per year
9. Oromocto – $145 per month or $1,740 per year
10. Woodstock – $135 per month or $1,620 per year

Newfoundland and Labrador

On average, the cost of auto insurance for new drivers in Newfoundland and Labrador is approximately $1,500 to $2,000 per year, or $125 to $170 per month.

Here are some examples of the average cost of auto insurance for new drivers in Newfoundland and Labrador, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

1. St. John’s – $180 per month or $2,150 per year
2. Mount Pearl – $170 per month or $2,035 per year
3. Conception Bay South – $170 per month or $2,035 per year
4. Corner Brook – $160 per month or $1,920 per year
5. Grand Falls-Windsor – $160 per month or $1,920 per year
6. Gander – $170 per month or $2,035 per year
7. Happy Valley-Goose Bay – $185 per month or $2,220 per year
8. Stephenville – $170 per month or $2,035 per year
9. Labrador City – $185 per month or $2,220 per year
10. Marystown – $170 per month or $2,035 per year

Nova Scotia

On average, the cost of auto insurance for new drivers in Nova Scotia is approximately $1,500 to $2,000 per year, or $125 to $170 per month.

Here are some examples of the average cost of auto insurance for new drivers in Nova Scotia, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

1. Halifax – $145 per month or $1,740 per year
2. Sydney – $140 per month or $1,680 per year
3. Truro – $130 per month or $1,560 per year
4. New Glasgow – $140 per month or $1,680 per year
5. Kentville – $135 per month or $1,620 per year
6. Bridgewater – $135 per month or $1,620 per year
7. Amherst – $135 per month or $1,620 per year
8. Yarmouth – $135 per month or $1,620 per year
9. Glace Bay – $140 per month or $1,680 per year
10. Antigonish – $135 per month or $1,620 per year

Ontario

On average, the cost of auto insurance for new drivers in Ontario is approximately $2,500 to $3,500 per year, or $210 to $290 per month.

Here are some examples of the average cost of auto insurance for new drivers in Ontario, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

1. Toronto – $280 per month or $3,360 per year
2. Ottawa – $190 per month or $2,280 per year
3. Mississauga – $290 per month or $3,480 per year
4. Brampton – $290 per month or $3,480 per year
5. Hamilton – $220 per month or $2,640 per year
6. London – $190 per month or $2,280 per year
7. Markham – $250 per month or $3,000 per year
8. Vaughan – $240 per month or $2,880 per year
9. Kitchener – $190 per month or $2,280 per year
10. Windsor – $170 per month or $2,040 per year

Prince Edward Island

The average cost of auto insurance for new drivers in Prince Edward Island, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

• Prince Edward Island – $1,300 to $1,600 per year, or $110 to $135 per month.

Quebec

On average, the cost of auto insurance for new drivers in Quebec is approximately $1,500 to $2,000 per year, or $125 to $170 per month.

Here are some examples of the average cost of auto insurance for new drivers in Quebec, based on data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 25-year-old driver with no driving record and a clean license:

1. Montreal – $180 per month or $2,160 per year
2. Quebec City – $150 per month or $1,800 per year
3. Laval – $200 per month or $2,400 per year
4. Gatineau – $150 per month or $1,800 per year
5. Longueuil – $190 per month or $2,280 per year
6. Sherbrooke – $130 per month or $1,560 per year
7. Saguenay – $130 per month or $1,560 per year
8. Lévis – $150 per month or $1,800 per year
9. Trois-Rivières – $130 per month or $1,560 per year
10. Terrebonne – $170 per month or $2,040 per year

Saskatchewan

On average, the cost of auto insurance in Saskatchewan is approximately $1,200 to $1,500 per year, or $100 to $125 per month.

Northwest Territories

On average, the cost of auto insurance for new drivers in Northwest Territories is approximately $2,000 to $2,500 per year, or $170 to $210 per month.

Nunavut

On average, the cost of auto insurance for new drivers in Nunavut is approximately $2,500 to $3,000 per year, or $210 to $250 per month.

Yukon

On average, the cost of auto insurance for new drivers in Yukon is approximately $1,500 to $2,000 per year, or $125 to $170 per month.

Car Insurance For New Drivers in Canada FAQs

Here are some frequently asked questions about car insurance for new drivers in Canada:

1. Why is car insurance more expensive for new drivers? Car insurance is typically more expensive for new drivers because they lack driving experience and are considered higher risk by insurance companies.
2. How can I lower my car insurance premiums as a new driver? There are several ways to lower your car insurance premiums as a new driver, including:

• Choosing a car with a high safety rating
• Taking a driver training course
• Increasing your deductible
• Bundling your car insurance with other insurance policies
• Maintaining a clean driving record

3. What type of car insurance coverage do I need as a new driver? As a new driver, you’ll likely need to carry at least the minimum mandatory car insurance coverage required by your province or territory. This typically includes liability coverage, which covers damages or injuries you may cause to others in an accident.
4. How can I find the best car insurance coverage for me as a new driver? To find the best car insurance coverage for you as a new driver, it’s important to shop around and compare rates from multiple insurance providers. You should also consider the coverage options and limits available, as well as any discounts or special offers that may be available to you.
5. Do I need car insurance if I don’t own a car as a new driver? Even if you don’t own a car as a new driver, you may still need car insurance if you plan to drive someone else’s car or rent a car. It’s always a good idea to have insurance coverage in case of an accident or other unexpected event.
6. Can I be added to my parents’ car insurance policy as a new driver? Yes, you can typically be added to your parents’ car insurance policy as a new driver, but the cost may be higher than if you were added as an occasional driver. It’s important to check with your parents’ insurance provider to find out what the options are for adding new drivers to the policy.
7. How long do I need to be insured as a new driver? As a new driver, you’ll need to maintain car insurance coverage as long as you’re driving a vehicle. The amount of time you need to be insured may vary depending on your province or territory, so it’s important to check with your insurance provider to find out the specific requirements.
8. What should I do if I get into an accident as a new driver? If you get into an accident as a new driver, the first thing to do is make sure everyone involved is safe and seek medical attention if necessary. You should also exchange insurance and contact information with the other driver(s) involved in the accident, and notify your insurance provider as soon as possible.
9. Can I change my car insurance policy as a new driver? Yes, you can typically change your car insurance policy as a new driver, but it’s important to check with your insurance provider to find out what the options are for making changes to your coverage.
10. What happens if I don’t have car insurance as a new driver? If you don’t have car insurance as a new driver, you could be fined or face legal consequences if you’re involved in an accident or caught driving without insurance. It’s always a good idea to maintain proper insurance coverage to protect yourself and others on the road.

11. Can I get car insurance as a new driver with a learner’s permit? Yes, you can typically get car insurance as a new driver with a learner’s permit, but the cost may be higher than if you had a full driver’s license. It’s important to check with your insurance provider to find out what the options are for insuring drivers with learner’s permits.
12. How much does car insurance for new drivers cost in Canada? The cost of car insurance for new drivers in Canada can vary widely depending on several factors, including the driver’s age, location, driving record, and the make and model of their vehicle. On average, new drivers in Canada can expect to pay anywhere from $1,500 to $5,000 per year for car insurance, or $125 to $420 per month.
13. What factors affect the cost of car insurance for new drivers? Several factors can affect the cost of car insurance for new drivers in Canada, including:

• Age
• Driving record
• Gender
• Location
• Vehicle make and model
• Type and amount of coverage
• Deductible
• Discounts and special offers

14. How can I get the best car insurance rates as a new driver? To get the best car insurance rates as a new driver, it’s important to shop around and compare rates from multiple insurance providers. You should also consider the coverage options and limits available, as well as any discounts or special offers that may be available to you. Additionally, taking a driver training course and maintaining a clean driving record can also help lower your insurance premiums over time.
15. Can I get car insurance as a new driver if I have a previous driving record from another country? Yes, you can typically get car insurance as a new driver in Canada if you have a previous driving record from another country. However, you may need to provide proof of your driving record and may be subject to higher insurance rates until you establish a driving record in Canada.

16. Can I get car insurance as a new driver if I have a previous accident on my record? Yes, you can typically get car insurance as a new driver in Canada if you have a previous accident on your record. However, you may be subject to higher insurance rates as a result of the accident. It’s always a good idea to disclose any accidents or other incidents on your driving record when applying for car insurance to ensure you get the appropriate coverage.
17. Do I need to have collision coverage as a new driver? As a new driver, collision coverage is not mandatory in most provinces and territories in Canada. However, if you’re financing your vehicle, your lender may require you to have collision coverage as part of your car insurance policy. Additionally, having collision coverage can provide added protection in case of an accident or other unexpected event.
18. Can I get car insurance as a new driver with a DUI conviction? Yes, you can typically get car insurance as a new driver in Canada with a DUI conviction, but you may be subject to higher insurance rates as a result. It’s always a good idea to disclose any DUI convictions or other driving-related offenses when applying for car insurance to ensure you get the appropriate coverage.
19. How can I build a good driving record as a new driver? Building a good driving record as a new driver takes time and practice, but there are several things you can do to improve your driving skills and reduce your risk of accidents. These include:

• Taking a driver training course
• Practicing defensive driving techniques
• Avoiding distractions while driving, such as texting or using your phone
• Obeying traffic laws and posted speed limits
• Maintaining your vehicle to ensure it’s in good working order

20. How often should I review and update my car insurance policy as a new driver? As a new driver, it’s a good idea to review and update your car insurance policy at least once a year, or whenever you have a major life change that may affect your coverage needs. This could include things like moving to a new location, buying a new car, or adding a new driver to your policy.