Get the best driver insurance quotes for Canadians

What is new driver insurance?

Whether you're a new Canadian resident, new to driving, or a young driver, you need car insurance to legally drive in Canada. Being a new driver comes with numerous challenges, but no greater than simply having a lack of experience -  a cause for concern for car insurance companies. Remember, insurance providers are insuring you in case a risk becomes a reality, so new driver car insurance is often more expensive as the risks associated with inexperienced drivers is higher.

However, with a few tips, and by comparing auto insurance quotes, you can find the best car insurance for first-time drivers.

How car insurance works for new drivers

Obeying the road rules and how to drive in Canada will help keep your rates lower as a first-time driver, while you accumulate experience. The more you know how car insurance for new drivers works, the easier it is to find and maintain a cheaper rate.

To begin, most of Canada works in a no-fault system (Saskatchewan, Alberta). No-fault insurance means if you are ever involved in an accident, whether you’re at fault or not, you’ll only ever work with your own insurance company to file a claim. It helps to speed up the claims process.

In Canada, each province has their own regulatory body that governs how the car insurance industry works. Even though there are regional differences regarding the rules, regulations and coverages, there are also a lot of similarities, such as the mandatory coverages that make up a basic car insurance policy.

Third-party liability

Liability insurance covers other people and their property. The minimum amount of coverage for third-party is $200,000 in most provinces, but many Canadians opt for $1-2 million.

Accident Benefits

Accident benefits covers any related costs to heal injuries after you're in an accident. In general, there is coverage for physiotherapy, chiropractic, and other specialized rehabilitation services. Accident benefits coverage also pays income replacement, and death and funeral benefits.

Uninsured motorist

Uninsured motorist protection is injury coverage for you and your family if you're injured in an accident with an uninsured driver. If you're able to identify the driver, your car may also be protected. New drivers in Alberta aren't mandated to have this coverage, but everywhere else, you need it.