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, Business Director, Insurance
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.
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.
Age |
Average car insurance rate (annual) |
18 year-old |
$502 |
20 year-old |
$408 |
21 year-old |
$242 |
22 year-old |
$221 |
25 year-old |
$130 |
30 year-old |
$109 |
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?
Author Bio
Matt Hands, Business Director of Insurance
Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.
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