Car Insurance for G2 Drivers

Similar to restrictions for G1 drivers, your blood alcohol level must be zero at all times while driving. Similarly, you are prohibited from driving with any cannabis or drugs in your system. G2 drivers are also personally responsible for ensuring that all passengers in their vehicles are wearing seatbelts while the car is on. Furthermore, during the first six months of holding your G2 licence, if you are 19 years old or younger, you can only carry one passenger who is 19 years old or younger. After six months or when you turn 20, whichever comes first, you can carry up to three passengers in your vehicle who are 19 years old or younger.

The cost of car insurance for G2 drivers varies significantly in Ontario. This is because insurance providers consider many factors when calculating insurance premiums, such as a driver’s age, claims history, gender, marital status, annual mileage, driving experience, driving record, the make, model, and year of the vehicle they drive, and more.

If you're a G1 driver, you may be wondering, "Can a G1 driver get insurance?" The short answer is no. G1 drivers are not able to get their own insurance. Because you're just starting your driving journey, you'll likely be put under your parent's policy as a secondary or occasional driver. Once you pass your test and become a G2 driver, you'll be able to purchase your own coverage. If you're still using your parents' vehicle, you can remain covered under your parent's insurance until you purchase your own car.

Whether or not you need to go through the G licence program in Ontario will depend on your experience as a driver from your home country. We recommend reaching out to an insurance company or broker to learn more about international student car insurance and licensing requirements for more information.

Checking your driving record is fairly easy in Ontario. You can do so by picking up a physical copy of your driving record from a Service Ontario centre in your neighbourhood. Alternatively, you can request a copy of your record online at the Service Ontario website or by calling 1-900-565-6555 to get a copy in the mail. Remember that to obtain this type of record you will need to provide proof of a valid driver's licence and a secondary piece of identification.

Do you need to check the amount of demerit points you have on your driver's licence? To do so, you'll need to obtain your driving record, which you can do by contacting a Service Ontario centre. This information will be listed in your driver's abstract, which lists any traffic tickets and other infractions you may have. 

Before we dive into mandatory car insurance coverage for G2 drivers in Ontario, let us first explain how the province’s graduated licensing system works. Ontario has three levels to its licensing program: G1, G2, and G.

• Level one: After you pass a written test that tests your knowledge of the road, you will be granted a G1 licence.
• Level two: You will be granted a G2 licence only once you successfully complete the G2 road test, which can be taken no sooner than eight to twelve months after you obtain a G2 licence.
• Level three: You will receive a full G licence once you pass your second road test, the G road test (which includes highway driving).