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Ontario has a 3-step graduated license program for new drivers aged 16 and older.  The first stage of the graduated licensing process is referred to as G1. As a G1 driver, it is the law that you must be insured however insurance companies do not rate you under the G1 driver category. The reason is, G1 drivers have no driving experience, so there essentially is nothing to rate. Insurance companies begin their rating process once you have passed and graduated as a G2 driver. 

Does a G1 Driver Need Insurance in Ontario?


Yes, G1 drivers are required to have auto insurance to drive in Ontario, it’s the law.

Do I Need to Add a G1 Driver to My Insurance?

Yes, G1 drivers must be added to another person’s existing insurance policy. You must also advise your insurance provider when the driver has graduated as a G2 driver. 

How Much is Insurance For a New G1 Driver in Ontario?

Insurance premiums will differ depending on certain factors the insurance provider uses in an individual’s situation. Typically insurance premiums for G1 drivers are approximately between $3,275 to $5,198 for females and $3,751 to $7,280 for males.

G1 Requirements

List of Requirements

Obtaining a G1 license, the first step in Ontario’s graduated license system is very easy. There are only three requirements.

  • the person must be at least 16 years old.
  • a simple eye test is passed.
  • a short written test is passed.

The G1 candidate can test at any DriveTest Centre in the province. Testing requires original proof of identity documentation. Documents accepted include:

  • Passport (Canadian and foreign accepted).
  • Indian status card.
  • Citizenship photo card.
  • Ontario photo card.
  • Permanent resident card.
  • Study permit.

Other documents are also accepted. The complete list of acceptable ID is found here.

G1 License Restrictions

driving at midnight

One of the reasons that insurance companies don’t charge for G1 drivers is that there must be a driver with a full G license in the vehicle. The G1 level is for the new driver to get comfortable controlling a car. This practice is under the supervision of an experienced driver, so the risk insurance companies perceive is small. The G1 license has a five-year limit, but most drivers test for G2 level after 12 months. Those who complete an approved driver training program can test after 8 months. Any driving done under a G1 license must adhere to the following restrictions:

  • Zero blood alcohol — absolutely no drinking and driving
  • accompanying driver must have a full G license for at least four years
  • No driving on 400-series highways or other roads with a speed limit exceeding 80 kilometers per hour, unless the accompanying driver is a certified driver training instructor
  • no driving between midnight and 5 a.m.

How Can a G1 Driver Save on Car Insurance?

It is a well-known fact that new and young drivers pay the highest insurance premiums in Ontario. This is due to the fact that these new or young drivers have no driving experience whatsoever. Insurance companies are unable to assess their true risk so they are automatically considered high risk. There are a couple of ways a G1 driver can save on car insurance in Ontario. If a G1 driver registers for a government-approved and certified licensed driving school and successfully graduates, most insurance companies take that into consideration when quoting insurance costs for a G1 driver. A G1 can also save on car insurance in the future by maintaining a clean driving record and avoiding incidents that would involve insurance claims. It is also recommended that the vehicle owner should shop around to see which insurance company offers the best rates and coverages. 

Benefits of Taking a Certified and MTO Approved Driving Course


One of the biggest benefits of enrolling in an MTO-approved driving course is the fact you are learning and practicing driving skills from a professional. Other benefits include:

  • Becoming comfortable driving
  • Instructors provide students with all the necessary tools and awareness when driving
  • Your driving lessons and instruction are approved by the government
  • You can learn how to drive without learning from someone else’s bad habits
  • You can learn to become a defensive driver
  • You can learn about different driving situations
  • You will save money on car insurance

Parents Need to Be Involved With Young/New Drivers

When your teen or new young driver is enrolled in a driving school it is a good idea to communicate with the driving instructor regarding the skills your child needs to work on. It is also important for parents to take their teens out for regular driving practice. Parents should also speak to their teens about distracted driving and defensive driving. There is a very high rate of distracted driving incidents relating to new and young drivers. When parents add their teens to their car insurance policy it allows the teen to establish a driving record/history of their own. 

Distracted Driving

Many new young drivers have to be vigilant regarding distracted driving. In today’s day and age, many vehicles are constructed with many electronic gadgets that can be very distractive to young drivers such as navigation systems, Bluetooth connections, synchronizing electronic devices that play music, and the biggest distraction of cell phone use while driving. For many, these additions of new technological features that vehicles have today are very convenient, however, for other drivers they can be a major distraction. Distracted driving incidents are on the rise and have caused many car accidents, some being fatal. 

Who Can a G1 Driver Drive Within Ontario?

In Ontario, a G1 driver must drive with a front seat passenger that possesses a full valid G license, has 4 years or more of driving experience, and has a blood-alcohol content level under 0.5%.

What Are The Restrictions Pertaining to G1 Drivers in Ontario?

In the first stage of Ontario’s graduated new driver’s program, a G1 driver has several restrictions placed upon them while obtaining the driving experience they require to advance to the next level of G2. These restrictions include:

  • No driving between the hours of 12:00 am and 05:00 am
  • The blood-alcohol level must be zero
  • Must be accompanied by a driver in the front passenger seat that holds a full G license, has at least 4 years of driving experience, and has a blood-alcohol level under 0.5%
  • All passengers and G1 drivers must be secured with a working seat belt
  • No driving on the 400 series highways
  • No driving on high-speed routes such as the Don Valley Parkway etc. 


A G1 driver can drive on any roadway when accompanied by a certified on-duty driving instructor.

What Happens if a G1 Driver Crashes?


If a G1 driver crashes, it is the responsibility of the policyholder to cover all damages and liabilities which occur in the accident. The policyholder’s rates may increase due to the claim. 

What Happens if a G1 Driver is Found At-Fault in an Accident?

If a G1 driver is involved in an accident and is found to be at fault, they will still be covered under the vehicle’s owner policy providing the G1 driver has the permission of the vehicle owner to drive the vehicle and follows all the guidelines and restrictions with a G1 license. The vehicle owner’s auto insurance policy rate may increase due to the at-fault accident.  However, once the G1 driver graduates to a G license and obtains their own auto insurance, that at-fault accident may be transferred to their own insurance policy. 

Insurance Companies That Will Insure G1 drivers

Most insurance companies will insure G1 drivers under another person’s policy.

One Comment

  1. Krystal 30 December 2021 at 9:40 am - Reply

    I’m a g1 driver looking for car insurance companies ASAP.

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