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Young drivers car insurance (aged 16-24)

Compare car insurance quotes for young drivers age 16 to 24 from Canada's top providers, for free. It only takes a few minutes.

How car insurance for young drivers works in Canada

Matt Hands

Young drivers (people aged 16-24) pay more for car insurance because insurance companies view them as high-risk. But there are many ways to get the best car insurance for new drivers under 25. The easiest way is to compare car insurance quotes for young drivers to ensure you’re paying the best price. You can do that now, for free, by entering your postal code into our car insurance estimator.

Insurance companies use historical data and statistics to give you your rate. Young drivers account for only 10% of drivers on the road, but conversely they’re involved in roughly 25% of collisions. Based on statistics alone you can see why insurance may be higher for young drivers. But, fear not, there are many tips and tricks you can use even before and after this process to make sure you're paying the cheapest car insurance rate.

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Ways to lower car insurance for young drivers

Take a young driver training course

Obey the rules of the road

More safe driving experience yields better rates

Consider usage-based insurance

Good grades pays

Alumni discounts

Get the right coverage

Bundle your policies

Buy the right car

Get the right gear

Pay your insurance on time (or ahead of time)

Compare young drivers car insurance quotes.

As a young driver paying for car insurance can be expensive. Why not take a few minutes to compare quotes from multiple providers to see if you're getting the cheapest rate available.

Average car insurance in Ontario by age

This table shows estimates only, based on a clean driving record, a male driver driving an owned 2015 Chevy Colorado EXT CAB 2WD, living in Ottawa, Ontario, parking in a driveway. The truck has winter tires, an anti-theft device, and is used to commute about 10,000 km per year.



Average car insurance rate (annual)

18 year-old


20 year-old


21 year-old


22 year-old


25 year-old


30 year-old


FAQs on young driver's car insurance

Does car insurance go down at age 25?

How much is car insurance for young drivers?

How to get cheap insurance for young drivers?

What is the cheapest car insurance company for young drivers?

Matt Hands, Business Director of Insurance

With 6+ years of experience at, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read more

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