Compare car insurance quotes for G2 drivers for free.

On average, Canadians save hundreds of dollars per year by comparing quotes with us.

Get quotes from 50+ Canadian providers in 3 minutes.

Get quotes from 50+ Canadian providers in 3 minutes.

27,380 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

March 15
Absolutely amazing!
Absolutely amazing! Got a great deal and the best agent possible! Thank you very...
Adam Michael Peters
March 15
I found the representative a good…communicator
I found the representative a good communicator and he help me to feel comfortabl...
James Mirowski
March 15
Very friendly voice o the other end
Very friendly voice o the other end, and very happy with my quote
Joe Moreira
March 15
It was a professional and fast answer…
It was a professional and fast answer to my request, it couldn’t be more perfe...
Mahrez Djellouli
March 15
very satisfied
agent was very very helpful explain a lot of things we dint know very happy wit...
Joao Medeiros
March 13
Great service
Very helpful
Jessica
March 8
Easy to use and logical site
Easy to use and logical site
keith houghton
March 8
Fast and knowledgeable response to…
Fast and knowledgeable response to enqueries
Andrew Leung
March 7
The best thing that they follow up.and…
The best thing that they follow up.and they are honest. Adel
Adel Almousa
March 6
Very helpful team !
Very helpful team !
Shivali Patel
March 5
Shilakha Dhawan was a pleasure
Huge thanks and appreciation Shilakha Dhawan for making this so quick and easy!!...
Chris
March 2
Good rates quick and easy
Good rates quick and easy
Gina Cauz
March 1
Great phone service
Great phone service
Joseph William Toland
February 27
Gave honest advice
Gave honest advice, no push for higher price.
Frank Gerzsenyi
February 24
Great customer service
Great customer service. Informative. Educated and fast service.
Adounis Hamade
February 15
Super fast seriously half the price!
Super fast seriously half the price of my previous broker. I worked with Khadija...
N. Gul
January 31
Representative was extremely helpful…
Representative was extremely helpful and was able to assist in all our needs.
Laura Dunsford
January 19
I was treated very well
I was treated very well, the person that was helping me was very helpful and fou...
Tim Bob
January 18
Great service
The response to my inquiry was quick. I received a phone call a few hours later ...
Sherri Leclerc
December 4
Quick turnaround
Quick turnaround, I am really happy with the process so far.
Breno Mendonca
November 11
process was easy and professional
The process was easy and professional
James Robichaud
November 1
The young man was very courteous and…
The young man was very courteous and professional. We didn't qualify due to low...
Teresa Penning
October 26
Quick and friendly response.
Quick and friendly response.
Dan Rochon Rochon
October 13
prompt respond
prompt respond, knowledgable
Brano Lapin
September 27
The agent was Patient and knowledgeable…
The agent was Patient and knowledgeable answered all my questions
Richard Young
August 31
The agent (Jan) was most professional
The agent (Jan) was most professional, courteous, and friendly.
Kewal Khanna
July 27
They gave me a lot of important…
They gave me a lot of important information
Liliana FERNANDEZ
July 13
THE PERSON ANSWERED ALL MYY QUESTIONS
THE PERSON ANSWERED ALL MYY QUESTIONS
Antonio
June 23
One Stop Shop - best rates with multiple companies
Found great rates with multiple companies which made it very easy to quickly ass...
Maryann O

How comparing auto insurance quotes works. Hint: it’s free!

Compare

Next, we’ll show you quotes from 50+ Canadian providers. It’s free, with no commitment.

Save

When you find the best quote, secure your rate by talking to a licensed broker or agent.

Car Insurance for G2 Drivers: What you need to know

If you’ve passed your G2 test, first off, congratulations! You’ve passed Ontario’s second phase of licensing and you’re ready to hit the road. But, before you do, it’s important to make sure you have a great car insurance policy. A G2 license is the second phase of this process where candidates are expected to pass a road test. This license level is different from the G1 in many ways. Firstly, it comes with much more freedom than the G1. Furthermore, unlike the G1, a G2 license also requires drivers to be insured.

This page will explore what car insurance means for G2 drivers. This includes the types of insurance rates G2 drivers can expect, what it means to be a secondary driver on someone else’s policy and the rules you’ll have to follow in order to remain eligible for your insurance coverage.

Front view of a car. Illustration.

See how our customers with collision coverage save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from March 18, 2024
Customer
Male, 31 years old
Location
ontario
Vehicle
2009 TOYOTA VENZA V6 5DR AWD
Lowest Rate
$434/mth
$5,209/yr
Average Rate
$553/mth
$6,630/yr
Saved
$118/mth
21.43%
Quote from March 18, 2024
Customer
Male, 29 years old
Location
ontario
Vehicle
2021 MERCEDES-BENZ CLA250 4MATIC 4DR COUPE
Lowest Rate
$204/mth
$2,447/yr
Average Rate
$283/mth
$3,400/yr
Saved
$79/mth
28.03%
Quote from March 18, 2024
Customer
Male, 20 years old
Location
ontario
Vehicle
2023 CHEVROLET CAMARO LT1 2DR
Lowest Rate
$685/mth
$8,224/yr
Average Rate
$914/mth
$10,963/yr
Saved
$228/mth
24.98%

Auto insurance quotes are compared from CAA, Coachman Insurance Company, Economical Insurance, Gore Mutual, Onlia Insurance, Pafco, Pembridge, SGI, Travelers, Zenith Insurance Company

 

What are the rules for driving with a G2 license?

While a G2 license gives you more freedom than a G1 license, there are still restrictions. To obtain lower car insurance rates and stay in good standing with your insurer, there are rules G2 drivers need to follow.

If you’re 20 years of age or older and hold a G2 license, you must abide by three legal restrictions:

  • Your blood alcohol level must be 0%.
  • You cannot carry more passengers in the vehicle than there are seat belts.
  • You can only drive G-class vehicles (this excludes motorcycles and transport trucks, which have their own licensing processes).

If you’re 19 years of age or younger and hold a G2 license, you must abide by these legal restrictions:

  • You must drive with a blood alcohol level of 0%.
  • You cannot carry more passengers in the vehicle than there are seat belts.
  • You can only drive G-class vehicles.
  • In the first six months of holding a G2 license, drivers are only allowed to carry one passenger ages 19 or under if driving between midnight and 5 a.m.
  • After the first six months of holding a G2 license or after reaching age 20, drivers are allowed to carry three passengers aged 19 and under if driving between midnight and 5 a.m.
  • Passenger rules don’t apply if a fully licensed driver (G license) with more than four years of experience accompanies the G2 driver or if the other passengers are family members.

How can I get cheap car insurance as a G2 driver?

While insurance rates for G2-level drivers will probably still be more expensive than experienced drivers, there are some things you can do to get a more competitive rate.

Take a driver’s education course: Many insurance companies will give young drivers a better rate if they take a driver’s education class prior to being licensed. This indicates to insurance companies that you’re taking responsibility for learning the rules of the road.

Maintain a high GPA: If you’re still in school, maintaining good grades goes a long way toward showing insurance companies that you’re responsible in the other areas of your life. To insurers, this makes it more likely that you’ll be a responsible driver too.

Be a safe driver: Driving safely when you’re younger will always benefit you down the line. Your premiums will begin to go down once you hit 25, but you’ll see greater savings if you’ve been a safe driver throughout your young adult life.

What are the average insurance rates for G2 drivers?

Overall, new G2 drivers pay higher insurance rates because of their lack of driving experience—especially if you’re under age 25. However, your exact insurance premiums will also depend on where you live, your gender, how much you drive, the make and model of the vehicle, and the type of coverage and limits you choose for your policy.

If you’re a parent of a G2 driver who uses your car, you’ll need to add your child to your car insurance policy. Failing to do so could mean that if your child gets into a car accident, damages and medical costs won’t be covered under your policy. Failing to inform your insurance company that a driver with a G2 license—or any additional driver—will be using your vehicle could also result in a cancellation of your policy altogether.

Unfortunately, adding a G2 driver to an existing policy will likely increase your premiums. This is because a G2 driver is still in the learning phase, and insurance companies take driving history into account when calculating car insurance premiums.

The make and model of a vehicle also affects the cost of auto insurance premiums. Insurance companies get very granular, and analyze existing claims data to determine how likely it is that your exact make and model of vehicle will be involved in a claim, and how much it will cost. Because insurance for G2 drivers can be more expensive, you’ll want to compare quotes from different providers to make sure you’re getting the right coverage for your budget.

Your questions about car insurance for G2 drivers, answered.

What does it mean to have a G2 license?

In Ontario, there are three stages to the licensing process. These stages include the G1, G2 and G licenses. You earn your G1 license when you pass the written portion and the first stage of the licensing exam. A year later, or shorter if you’ve enrolled in a driver’s education course, candidates are allowed to take the second portion of the licensing exam, the road test. Upon passing this exam, drivers will be awarded a G2 license.

After you’ve held your G2 license for a year, you’ll be eligible to take your stage three driving test. After passing this exam, you’ll be awarded a full, unrestricted G license.

Do G2 drivers need car insurance?

Yes, it’s required by provincial regulations that you must hold car insurance, even if you drive infrequently. If a child in your household has recently attained their G2, your insurance company must be notified and they must be listed on your car insurance policy as a potential driver.

In addition, the sooner you’re listed on an insurance policy as an occasional driver, the more time you’ll have to build up an insurance history. This may help you down the line when it comes time to get your own car insurance policy.

What is a secondary or occasional driver?

An occasional or secondary driver is an individual who regularly drives a vehicle, but isn’t the most frequent driver. An occasional driver is often a child of an adult driver who is added to a car insurance policy after obtaining their G2 license. Other examples of a secondary driver include a spouse who uses the vehicle to drive errands, roommates who regularly use the vehicle, other family members, etc.

Secondary drivers are protected under the same coverage as the primary driver on the policy. The main change policy-holders will see is an increase in their insurance premiums as a result of adding an additional driver to the contract. Whether or not this increase is large will depend on the experience of the driver being added. An experienced driver with a clean record, for example, will result in a smaller increase in your insurance premiums than a G2-licensed driver.

All drivers in a household who hold active licenses and share one vehicle should be listed as occasional drivers on that family auto insurance policy.

Are the licensing systems of other provinces and territories different?

Yes, the licensing system differs from one province to the next. For more information on how the licensing system works in different provinces, feel free to check out our auto insurance provincial pages here.

Jessica Vomiero

Jessica Vomiero

About the Author

Jessica is the former Associate Editor for LowestRates.ca. Before joining the team, Jessica worked as a National Online Journalist with Globalnews.ca and previously spearheaded the launch of the Business Section at one of Canada's largest technology websites, MobileSyrup.

Read More

Auto insurance news

Read More Like This