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Car Insurance for Young Drivers

As a young driver, it’s important for you to find the best possible insurance at the best possible price. To get the ideal coverage that meets all your auto insurance needs, one of the first things you should do is compare premiums on ClickInsurance. 

ClickInsurance works with a network of more than 100 insurers, which allows our platform to help young drivers like you find the cheapest possible car insurance. By completing ClickInsurance’s auto insurance quote form, you’ll receive prices from several insurers offering products designed for you, saving you both time and money.

Car Insurance for Young Drivers

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Frequently Asked Questions About Auto Insurance for Young Drivers

Is auto insurance for young drivers more expensive?

Auto insurance for young drivers is generally more expensive due to their lack of driving experience, which increases the risk of accidents. Insurance pricing system takes several factors into account, and young drivers (especially those under 25) are statistically more likely to be involved in accidents, hence higher premiums. It is therefore important for a young driver to maintain a spotless driving record in order to increase the chances of getting lower premiums. 

How can I reduce my auto insurance costs as a young driver?

There are several ways for young drivers to reduce their auto insurance costs: 

  • Compare premiums: Some companies offer more favorable premiums for young drivers. This is why using ClickInsurance’s insurance comparison tool is important to find an auto insurance premium at a good price.
  • Choose a less powerful car: Cars with a smaller engine and those with advanced safety features generally cost less to insure.
  • Maintain a spotless driving record: Traffic violations and at-fault accidents can significantly increase your insurance premiums. By driving safely, you can maintain a record considered lower-risk by insurers.
  • Opt for a higher deductible: Choosing a higher deductible can lower your monthly auto insurance premium. 

What does auto insurance for young drivers in Canada cover?

In Canada, auto insurance generally includes several types of coverage:

  • Civil liability (mandatory): Provinces, such as Quebec, require a basic level of civil liability coverage that covers damage you may cause to others in an accident. This coverage is included in the mandatory insurance from the SAAQ (Société de l’assurance automobile du Québec).
  • Collision and all perils insurance: As optional coverage, you can add collision insurance to cover the repair of your vehicle in case of an accident, as well as all perils coverage for events such as theft or severe weather.
  • Legal protection: This can be added to cover legal fees if you face a lawsuit following an accident or an insurance claim. 

What are the options for insuring a shared or family car?

If you share a car with your parents or other family members, you can be added as a secondary driver. Some insurers offer discounts when multiple family members are on the same policy, especially if the primary driver has a good driving history. 

Can I insure a rental car as a young driver in Canada?

Yes, you can insure a rental car in Canada, but rental agencies often charge additional fees for young drivers (under 25). In addition, coverage conditions may vary, so it’s a good idea to check with your insurer to see whether you’re already covered by your personal insurance or if you need to purchase additional protection.

Can my parents’ driving history affect my auto insurance premium?

Yes, in Canada, some insurance companies take the parents’ driving history into account, especially if you are listed as a secondary driver on their policy. A good family driving record can potentially lower your premium, although the rules vary depending on the insurer. Also, if you live with a family member who has a criminal record, it may negatively affect your insurance costs. 

What should I do if I get a ticket or am involved in an accident?

If you get a ticket, your insurance premium may increase at your contract’s renewal, as traffic violations impact your driving record. In the event of an accident, it’s important to promptly report the incident to your insurer to facilitate the claims process. Be sure to keep all necessary documents and follow the steps outlined by your insurance company.