Your child has passed their exam for a learner’s permit and is now ready to get behind the wheel. In this guide, we’ll show you how you can help them qualify for cheap learner’s insurance and what you can do to reduce your auto insurance premiums.
You can get car insurance for learner’s permit drivers in one of two ways.
You can usually get cheap learner’s insurance if you add a student driver to your existing car insurance policy. Once your young driver gets their learner’s permit, let your car insurer know that they will be driving your car.
It’s worth noting that this may not affect the cost of your cover with some insurers, as your learner can only drive when there is an experienced supervising driver in the car. But once they graduate beyond a learner’s permit and can drive on their own, expect the cost of your premiums to increase.
A learner driver can also sign up for a standalone car insurance policy if they have a learner’s licence and meet all the learner’s insurance rules for your province of residence. Just keep in mind that you’ll typically pay more to go this route, so compare learner’s car insurance quotes from multiple providers before choosing a policy.
No matter which type of car insurance for learner’s permit drivers you choose, make sure to read your policy carefully. It will contain important information about your coverage as well as any exclusions that apply.
Car insurance covers drivers with learner’s permits just like anyone else, so you don’t need special coverage. Instead, you’ll want to decide on the type of coverage you want.
The following types of coverage are mandatory across most of Canada:
But there are also a few other types of auto insurance you may like to consider:
Getting car Insurance for learner’s permit drivers can be expensive if you look for a standalone policy. You’ll typically get cheap learner’s insurance if you add your teen to a family plan and shop around for discounts. The cost of insurance will also vary depending on factors such as where you live and the age of the learner driver.
The type of car you drive will affect the cost of cover as well. For example, a high-powered car will generally cost more to insure than an average family sedan, while newer cars typically cost more to insure than older vehicles. It’s easy to get car insurance quotes online, so compare the cost of cover across a range of providers.
There are plenty of simple things you can do to get cheap car insurance for learners:
You may be able to qualify for cheap learner’s insurance if you tap into the following discounts on car insurance for learner’s permit drivers.
| Province or territory | Learner’s permit | Restricted license | Full license |
|---|---|---|---|
| British Columbia | 16 | 12 months later | 24 months later, or 18 months with a ICBC-approved driver training course |
| Alberta | 14 | 16, and at least 12 months later | 2 years later |
| Manitoba | 16, or 15.5 if enrolled in a MPI’s Driver Z Program | 9 months later | 15 months later |
| Saskatchewan | 16 | 9 months later | 18 months later |
| Ontario | 16 | 12 months, or 8 months with a government-approved driver education course | 12 months later |
| Quebec | 16 | 12 months later | 2 years later |
| Newfoundland and Labrador | 16 | 12 months, or 8 months with a government-approved driver education course | 12 months later |
| Nova Scotia | 16 | 12 months, or 9 months with a government-approved driver education course | 2 years later |
| New Brunswick | 16 | 12 months, or 8 months if you’ve graduated from a recognized licensed driving school | 2 years later |
| Prince Edward Island | 16 | 12 months, or 275 days if enrolled in a certified driver education program | 2 years later |
| Yukon | 15 | 16, after 6 months and 50 hours of driving experience | 18 months later |
| Northwest Territories | 15 | 16, and at least 12 months later | 12 months later |
| Nunavut | 15 | 16 with 4 weeks of driving experience | After completion of the road test |
If you live with your parents and regularly drive their vehicle, it generally makes sense to stay on their car insurance policy. There are no restrictions on how long you can stay on their policy, so you can still remain covered while you progress through your province’s graduated licensing system and obtain a full licence. You can also be covered as an occasional driver if you only drive your parents’ car infrequently, such as if you’re a college student who returns home on some weekends and vacations.
But once you get your own car that’s registered in your name, you’ll need to take out a separate policy. When that happens, compare car insurance quotes from a range of providers to find affordable cover that’s right for you.
There are two main ways to get car insurance for learner’s permit drivers. You can get cheap learner’s insurance if you add your teen to your policy. You’ll typically pay more if you get a standalone policy as a learner driver. Compare car insurance quotes and cover features before deciding on the best policy.
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