In Ontario, G2 drivers are considered to be intermediate or provisional drivers, who have progressed from a G1 license and have some driving experience, but are still considered to be higher risk compared to fully licensed drivers.
As a result, G2 drivers in Ontario may face higher car insurance premiums compared to fully licensed drivers. This is due to their lack of driving experience and higher likelihood of being involved in an accident.
To get the best car insurance rates for G2 drivers in Ontario, it’s important to maintain a clean driving record, take a defensive driving course, and consider vehicles that are cheaper to insure. You may also consider having a parent or guardian listed as an occasional driver on your policy, which can help lower your insurance premium.
It’s important to compare quotes from different insurance providers to find the best coverage and rate for you as a G2 driver in Ontario.
How Much Is Car Insurance For A G2 Driver?
The cost of car insurance for a G2 driver in Canada can vary widely depending on a number of factors, including:
- Age: Younger drivers, especially those under 25, tend to face higher insurance rates.
- Driving record: A history of accidents, traffic violations, and claims will increase the cost of insurance.
- Type of vehicle: The make, model, and year of the vehicle you drive can impact the cost of insurance, with some vehicles being cheaper to insure than others.
- Location: Insurance rates can vary by region, with urban areas typically having higher insurance costs due to higher traffic density and accident frequency.
- Insurance company: Different insurance companies use different methodologies to calculate insurance premiums, so it’s important to shop around and compare quotes from multiple providers.
Here are some examples of the average cost of auto insurance for G2 drivers in Ontario, based on a 30-year-old driver with a G2 license, driving a 2018 Honda Civic, with a clean driving record:
- Toronto: $3,900 per year or $325 per month
- Ottawa: $2,875 per year or $240 per month
- Mississauga: $4,150 per year or $346 per month
- Brampton: $4,500 per year or $375 per month
- Hamilton: $2,550 per year or $212 per month
- London: $2,775 per year or $231 per month
- Markham: $3,950 per year or $329 per month
- Vaughan: $4,050 per year or $338 per month
- Kitchener: $2,675 per year or $223 per month
- Windsor: $2,450 per year or $204 per month
- Barrie: $3,300 per year or $275 per month
- Guelph: $2,750 per year or $229 per month
- Kingston: $2,700 per year or $225 per month
- St. Catharines: $2,700 per year or $225 per month
- Whitby: $3,100 per year or $258 per month
- Ajax: $3,150 per year or $263 per month
- Cambridge: $2,600 per year or $217 per month
- Belleville: $2,500 per year or $208 per month
- Brantford: $2,600 per year or $217 per month
- Chatham-Kent: $2,250 per year or $188 per month
- Cornwall: $2,400 per year or $200 per month
- Georgetown: $3,900 per year or $325 per month
- Newmarket: $3,750 per year or $313 per month
- Orangeville: $3,700 per year or $308 per month
- Orillia: $3,200 per year or $267 per month
- Owen Sound: $2,600 per year or $217 per month
- Peterborough: $2,750 per year or $229 per month
- Sarnia: $2,350 per year or $196 per month
- Sudbury: $2,500 per year or $208 per month
- Thunder Bay: $2,350 per year or $196 per month
It’s important to keep in mind that these are just examples, and the actual cost of auto insurance in Ontario can vary widely 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.
On average, a G2 driver in Ontario can expect to pay between $2,000 – $4,500 per year for car insurance, although the actual cost can be much higher or lower depending on the factors listed above.
How much does insurance go down from G2 to G?
The amount that your car insurance premium can decrease after you receive a full G license in Canada can vary depending on several factors, including your driving history, the type of vehicle you drive, your age, and where you live.
In general, drivers with a full G license are considered less of a risk than those with a G2 license, as they have completed a longer and more comprehensive period of training and testing. As a result, drivers with a full G license may see a decrease in their car insurance premium compared to when they had a G2 license.
However, the exact amount that your insurance premium may decrease after you receive a full G license can vary greatly depending on your individual circumstances. It is best to get quotes from different insurance companies to compare the difference in cost before making a decision.
Can You Drive Without Insurance With A G2?
No, you cannot drive without insurance with a G2 license in Canada. All drivers, regardless of the class of their license, are required to have a minimum level of automobile insurance coverage in order to legally drive in Canada.
The minimum required coverage varies by province and territory, but typically includes third-party liability insurance, which covers damages you cause to others while driving, as well as accident benefits coverage, which provides benefits to you and your passengers in the event of an accident.
Driving without insurance is a serious offense and can result in fines, license suspension, and even impoundment of your vehicle. It is important to always ensure that you have the minimum required insurance coverage and to review and update your coverage as needed to make sure you have the protection you need while on the road.
Can A G2 Driver Buy A Car?
Yes, a G2 driver can buy a car in Canada. However, as a G2 driver, you are subject to certain restrictions and limitations when it comes to driving, such as not being able to drive on highways and not being able to have any passengers who are not immediate family members.
When buying a car, it’s important to consider your budget, driving needs, and the restrictions and limitations you face as a G2 driver. You should also consider the costs associated with car ownership, including insurance, maintenance, and fuel.
G2 Requirements and Restrictions
In Ontario, G2 drivers are subject to the following requirements and restrictions:
- No driving on 400-series highways and high-speed expressways.
- No driving between midnight and 5 a.m., unless accompanied by a fully licensed driver who has been driving for at least four years.
- A blood alcohol level of zero while driving.
- No carrying of passengers who are not immediate family members.
- The same rules and penalties as a fully licensed driver.
It’s important to note that these requirements and restrictions are subject to change, and that different provinces in Canada may have different rules and restrictions for G2 drivers. It’s always a good idea to check with your local Ministry of Transportation for the most up-to-date information.
Keeping The Cost Of Insurance Down For G2 Drivers
There are several ways to keep the cost of car insurance down for G2 drivers in Canada:
- Complete a defensive driving course: Taking a defensive driving course can show insurers that you are a responsible and safe driver, and may result in lower insurance rates.
- Get a car with safety features: Cars with safety features such as airbags, anti-lock brakes, and anti-theft systems may result in lower insurance rates.
- Drive less: Insurance companies often take into account the amount of time you spend driving, so if you are a G2 driver who drives less, your insurance rates may be lower.
- Consider pay-as-you-go insurance: Pay-as-you-go insurance is a type of insurance that charges you based on the amount you actually drive, rather than an estimated amount. This can be a cost-effective option for G2 drivers who don’t drive very often.
- Get insurance from a company that specializes in insuring young drivers: Some insurance companies specialize in providing coverage for young drivers, and may offer more affordable rates for G2 drivers.
- Add a more experienced driver to your policy: Adding a more experienced driver, such as a parent, to your insurance policy can lower your rates as the primary driver will be deemed to be a lower risk.
- Shop around: Get quotes from several insurance companies to compare rates, and consider using an insurance broker who can do the shopping for you.
Cheapest Cars to insure for G2 drivers
The cost of auto insurance for G2 drivers 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 cheapest cars to insure for G2 drivers in Ontario, data from online insurance quote providers, along with their average monthly and yearly insurance rates, for a 30-year-old driver with a clean driving record and a G2 license:
- Honda Civic – $140 per month or $1,680 per year
- Toyota Corolla – $145 per month or $1,740 per year
- Hyundai Elantra – $148 per month or $1,775 per year
- Mazda3 – $150 per month or $1,800 per year
- Volkswagen Jetta – $154 per month or $1,850 per year
- Kia Forte – $156 per month or $1,870 per year
- Chevrolet Cruze – $157 per month or $1,880 per year
- Ford Focus – $160 per month or $1,920 per year
- Nissan Sentra – $163 per month or $1,960 per year
- Subaru Impreza – $166 per month or $1,990 per year
Here are the average monthly and yearly insurance rates for these cars in 10 major cities in Ontario, based on the same driver profile and coverage:
- Toronto: $185 per month or $2,220 per year
- Ottawa: $145 per month or $1,740 per year
- Mississauga: $198 per month or $2,375 per year
- Brampton: $216 per month or $2,590 per year
- Hamilton: $136 per month or $1,630 per year
- London: $148 per month or $1,775 per year
- Markham: $191 per month or $2,290 per year
- Vaughan: $194 per month or $2,325 per year
- Kitchener: $142 per month or $1,710 per year
- Windsor: $130 per month or $1,560 per year
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.
List of best insurance companies for G2 drivers
It can be difficult to determine the best insurance company for G2 drivers, as it depends on many factors such as individual driving history, location, type of vehicle, and personal preferences. However, some insurance companies in Canada that are known for offering comprehensive coverage and competitive rates include:
- State Farm
- TD Insurance
- RBC Insurance
- The Co-operators
- Johnson Insurance.
It’s always a good idea to compare different insurance options, read reviews and speak to agents to determine which company is the best fit for your needs.
In Ontario, a G2 driver can drive someone else’s car as long as they have the owner’s permission and the car is properly insured.
According to Ontario’s Graduated Licensing System, a G2 driver is considered to have a full license with some restrictions. G2 drivers are permitted to drive without supervision, but there are restrictions on the hours they can drive and the number of passengers they can carry.
It’s important to note that the insurance coverage for the car will depend on the specifics of the owner’s car insurance policy. Most policies will provide coverage to the policyholder and anyone else who is driving the car with the policyholder’s permission. However, some insurance policies may exclude coverage for young or inexperienced drivers, so it’s a good idea to check with the owner’s insurance company or agent to determine the specifics of the policy and what types of drivers are covered.
- What is a G2 driver? A G2 driver is a driver who has successfully completed a driver’s education course and passed the G2 road test in Ontario. G2 drivers have some driving experience but are still considered novice drivers and are subject to certain restrictions, such as a zero blood alcohol level and a limit on the number of passengers allowed in the vehicle.
- What is the cost of car insurance for a G2 driver in Ontario? The cost of car insurance for a G2 driver in Ontario can vary depending on a variety of factors, including the driver’s age, location, driving record, and the make and model of their vehicle. Generally, auto insurance for G2 drivers is more expensive than for experienced drivers, as G2 drivers are considered higher risk.
- What is the difference between a G2 and a G driver’s license? A G2 driver’s license is the second stage of the graduated licensing system in Ontario, and allows drivers to drive without a fully licensed driver in the car. A G driver’s license is the final stage of the graduated licensing system, and allows drivers to drive without restrictions.
- What restrictions do G2 drivers have in Ontario? G2 drivers in Ontario are subject to several restrictions, including a zero blood alcohol level, a limit on the number of passengers allowed in the vehicle, and a requirement to display a red “L” sign on the back of the vehicle.
- How long does it take to get a full G license in Ontario? To get a full G driver’s license in Ontario, drivers must hold a G2 license for at least 12 months and pass a road test.
- How can G2 drivers save on car insurance? G2 drivers can save on car insurance by shopping around for coverage from multiple insurance providers, maintaining a clean driving record, completing a driver’s education course, and choosing a safe, affordable vehicle to insure. It’s also important to avoid accidents and traffic violations, as these can significantly increase the cost of car insurance.
- Do G2 drivers need insurance in Ontario? Yes, G2 drivers in Ontario are required to have auto insurance by law. It’s important to have adequate coverage to protect yourself and others in the event of an accident.
- How can G2 drivers build up their driving experience? G2 drivers can build up their driving experience by practicing their driving skills regularly and gradually increasing their driving time and exposure to different road and weather conditions. It’s also important to seek feedback from experienced drivers and to take additional driver education courses if needed.
- Can G2 drivers drive out of province? Yes, G2 drivers in Ontario can drive out of province, but it’s important to check with their insurance provider to ensure that they have the necessary coverage for the destination and to comply with the rules and regulations of the other province.
- Can G2 drivers carry passengers? G2 drivers in Ontario are subject to a limit on the number of passengers allowed in the vehicle. Specifically, they are not allowed to carry more passengers than there are seat belts in the vehicle.
- Can G2 drivers drive on the highway? Yes, G2 drivers in Ontario can drive on the highway, but it’s important to take extra care and practice defensive driving skills, as highways can be more challenging and higher risk than other types of roads. It’s also important to comply with speed limits and other rules of the road.
- Can G2 drivers rent a car? Yes, G2 drivers in Ontario can rent a car, but they may be subject to certain restrictions and requirements from the rental company. Some rental companies may require G2 drivers to be at least 25 years old or to have additional insurance coverage. It’s important to check with the rental company before renting a car as a G2 driver.
- How can G2 drivers get lower car insurance rates? G2 drivers can get lower car insurance rates by shopping around for coverage from multiple insurance providers, choosing a safe, affordable vehicle to insure, and maintaining a clean driving record. It’s also important to avoid accidents and traffic violations, as these can significantly increase the cost of car insurance. Some insurance providers may also offer discounts for completing driver education courses, or for bundling insurance policies.
- Can G2 drivers get comprehensive insurance coverage? Yes, G2 drivers can get comprehensive insurance coverage, which provides coverage for damage to the vehicle from non-collision events such as theft, fire, and weather damage. However, comprehensive coverage can be more expensive than other types of coverage, and G2 drivers may need to shop around to find affordable options.
- What should G2 drivers do in the event of an accident? In the event of an accident, G2 drivers should first ensure that everyone involved is safe and call for medical assistance if needed. They should then exchange insurance and contact information with the other driver, take photos of the accident scene, and file a police report if necessary. Finally, they should contact their insurance provider to report the accident and start the claims process. It’s important to cooperate with any investigation or settlement process and to avoid making any admissions of fault or liability.
- What factors affect the cost of car insurance for G2 drivers? Several factors can affect the cost of car insurance for G2 drivers, including the driver’s age, driving record, location, and the make and model of their vehicle. G2 drivers are considered higher risk than experienced drivers, which can result in higher insurance rates. Factors that can help reduce insurance rates for G2 drivers include maintaining a clean driving record, completing driver education courses, and choosing a safe, affordable vehicle to insure.
- What types of coverage do G2 drivers need? G2 drivers in Ontario are required to have liability insurance, which provides coverage for damages or injuries to other people or property in the event of an accident. G2 drivers may also want to consider additional coverage, such as collision coverage or comprehensive coverage, which provides coverage for damage to their own vehicle. It’s important to review the coverage options with an insurance provider and choose the coverage that best meets the driver’s needs and budget.
- How can G2 drivers reduce the risk of accidents? G2 drivers can reduce the risk of accidents by practicing safe driving habits, such as obeying traffic laws and speed limits, avoiding distractions while driving, and maintaining a safe following distance from other vehicles. It’s also important to be prepared for different weather and road conditions and to avoid driving under the influence of drugs or alcohol.
- How long can G2 drivers wait to get a full G license? G2 drivers in Ontario can hold a G2 license for up to five years before they must either pass the G road test or renew their G2 license. It’s important to note that renewing a G2 license does not extend the amount of time a driver has to wait to get a full G license.
- Can G2 drivers get ticketed for traffic violations? Yes, G2 drivers in Ontario are subject to the same traffic laws and penalties as all other drivers. G2 drivers who commit traffic violations, such as speeding or running a red light, may receive tickets, demerit points, or other penalties, which can increase the cost of car insurance and make it more difficult to get a full G license.