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Student Drivers

Getting behind the wheel of a car for the first time is an amazing feeling. For some it can be a bit scary. For others, the excitement erases any nervous feelings.

We want to share some tips on some things you keep in mind when you’re starting out on your driving journey.

Student driving basics

Every province has a minimum age required before you can start driving. In most provinces, the age is 16. In Alberta and New Brunswick, the age is 14.

The first step is a learner’s permit, which has restrictions. These restrictions vary depending on your province. Generally speaking, here are some of the restrictions you can expect:

  • You can only drive if an experienced driver is in the vehicle with you
  • You must have a blood alcohol level of zero
  • There may be restrictions on the time of day you are allowed to drive
  • There may be restrictions on where you can drive. For example, in Ontario, new drivers cannot drive on the 400 series highways
  • There may be restrictions on the number of passengers allowed in your vehicle

These are some general guidelines, but they vary from province to province. This Wikipedia article breaks down the rules for every province.

Most provinces have a graduated licensing system. That means you take a written test first, followed by one or more driving tests. It might seem like a complicated system, but it’s there to keep you safe!

Car insurance for student drivers or new drivers

If there is a new driver in your household, it’s important to let your insurance provider know. Give your insurance broker a call and have the new driver added as a secondary driver.

What if you’re a new driver who wants to buy a new car?

If you’re a new driver and you want your own car, you must make sure you meet the requirements. In Ontario, you need at least a G2 license first. Be sure to check the requirements in your province. It’s important to know that in Canada, car insurance is the law. The minimum coverages vary from province to province, but wherever you live in this country, you cannot drive without insurance. This is to protect you and the people around you.

What if you’re a new driver who wants to rent a car only?

Even if you’re just renting a car, you still require some type of insurance.

Consequence for student drivers who drive without car insurance

If you’re caught driving without insurance the consequences are serious. Here are some of the penalties you might face for driving without insurance in Canada:

  • Your license could be suspended or revoked
  • You could face steep fines
  • Your car could be impounded – which will result in additional fines
  • You will be considered a high-risk driver, which means higher insurance rates in the future

Pro tip: When you begin your driving journey, start on the right foot. Get the right insurance plan with the help of a BrokerLink insurance advisor.

How you can save on car insurance as a student driver

We’re sorry to say the rumours are true: generally speaking, insurance is more expensive for inexperienced drivers. However, there are a few tips and tricks that can save you money in the short and long term. Keep reading to learn more about how new drivers can save on insurance.

Go to driving school

Completing a driver’s education course can result in savings on insurance that will cover the cost of the training in the first year. Just make sure the program is approved by the Ministry of Transportation. (We’re sure your dad is a great teacher – but sadly his course won’t result in savings on your insurance bill.)

Drive safe!

We know “drive safe” goes without saying. But you might not realize how much of an impact it has on your insurance bill. No accidents means you will be considered a low risk driver, which means a less expensive insurance bill. You can learn more about how to stay safe behind the wheel by reading our Good Driver Habits guide.

Bundle and save

If you bundle your car insurance with other types of insurance such as home, or even with another car, you can save as much as 15% on each policy. If you’re a new driver, consider bundling your car insurance with your parent’s insurance.

Contact BrokerLink for your student driver car insurance needs

When you’re new behind the wheel, it can be overwhelming. There’s a lot to learn and a lot to think about. When it comes to car insurance, you don’t have to do it alone. BrokerLink insurance advisors are insurance experts. They can help you find the insurance you need at a price that’s fair.

If you’re the parent of a new driver, our insurance advisors can offer safety tips and best practices. Let us help take some of the stress out of seeing your kid on the road for the first time.

There are lots of ways to reach a BrokerLink insurance advisor:

Pro tip: Learn about defensive driving while you’re still a beginner. Safe habits now will pay off in the long run.

FAQs on insurance for student drivers

Is my Ontario student driver insurance still good if I travel to Alberta?

When you have a learner’s permit, there are restrictions on when and where you can drive. These restrictions vary from province to province. In most cases, it’s probably best to stick to your own province until you can drive on your own. For advice on your specific situation, talk to your insurance broker.

Is there a difference between student car insurance and regular car insurance?

There’s no such thing as student car insurance. Once you meet the requirements to purchase insurance, you will be eligible for the same policies as anyone else. However, as a new driver, you may have to pay more than a more experienced driver.

When it comes to car insurance, what does occasional driver mean?

An occasional driver (sometimes referred to as a secondary driver) is someone who only drives the car occasionally. In order to be considered an occasional driver, you cannot drive more than 50 percent of the time. You can read more about occasional drivers here.


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