How much is car insurance in Ontario for new drivers?

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New or young drivers in Ontario will typically pay more for their insurance than more experienced drivers – no matter where you’re insured. Insurance companies do consider younger drivers to be riskier to insure. That’s why a driving record free from tickets and accidents is key to keeping your premium lower. It’s very important for new or young drivers to drive safely.

Taking a driver’s ed course could also help you save on your insurance if you’re a new driver in Ontario. And, you’ll likely see your insurance premiums go down over time as you gain more experience as long as you maintain a clean driving record. Follow the rules, don’t take risks, and stay safe on the road to protect yourself and others!

Do you live in Toronto and want to save money on your car insurance quote? Follow our guide.

Policies underwritten by Sonnet Insurance Company except for Sonnet Pet Insurance. Sonnet Insurance Company is registered with Autorité des marches financiers as a property and casualty insurer (Reg #: 2000434353) and damage insurance agency (Reg #: 50519). Contact Sonnet in either capacity via chat, electronic note, or by logging into the customer portal at https://www.sonnet.ca/contact-us.

Bundling discount reflects the best possible savings a customer could receive by bundling their home and auto coverage. Depending on your quote details, you may not be eligible for a discount.

Possible savings of over $600 annually is based on survey responses of 10,586 customers who purchased an insurance policy with Sonnet Insurance Company between July 2020 and February 2021 in Ontario, Alberta and Quebec. 17% of survey respondents indicated that their monthly price with Sonnet was over $50 lower than what they were currently paying. Depending on your quote details, actual savings may vary.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Alberta auto insurance quotes can be obtained by emailing us an application, and eligible customers can bind online. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or B.C. auto insurance customers at this time.

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Pet Insurance is underwritten and distributed by Petline Insurance Company. Petline Insurance Company is an affiliate of Sonnet. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

Bundling discount reflects the best possible savings a customer could receive by bundling their home and auto coverage. Depending on your quote details, you may not be eligible for a discount.

Sonnet Shift is a trademark of Definity Insurance Company and/or its affiliates. Sonnet Shift is only available to residents of Ontario, and Québec.