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.

29,153 Canadians

have compared rates and saved money over the last 24 hours

What our users say:

Excellent
Based on 452 reviews
June 27
Very helpful
Very helpful
Ernest Basford
June 26
Definitely recommend lowestrates.ca!
Website is very easy to navigate and all details are provided and explained clea...
Abe
June 24
Excellent
The team was very quick and helpful with all of my questions
Peter NHilliard
June 23
Excellent opportunity
Excellent opportunity to explore and compare insurances rates. It was easy and I...
Roberto
June 22
Best experience!
Exc, friendly customer service!
Pamela D.
June 22
I was very impressed with both…
I was very impressed with both gentlemen that I spoke with. They were very frie...
Veronica AnnComan
June 22
This must be one of the quickest…
This must be one of the quickest response I have received online, with a super f...
JulietOdunmbaku
June 21
Good job with the speed of a service
Good job with the speed of a service
Horace George Yeo
June 18
Fast service
I was on line researching home and auto insurance, at one point I clicked on the...
T. Thompson
June 18
Great website First place I go to for…
Great website First place I go to for insurance quotes
Robert McMenemy
June 18
saving money
Interested with the results
cameron snider
June 15
prompt and diligent
prompt and diligent
YaronPerlman
June 6
Car insurance
Stephanie was amazing and help me set up my car insurance for my new are ill be ...
Samantha Testa
June 6
It's simple
It's simple. I applied on line, answered to the best of my knowledge and hit sub...
Antonio Romanini
June 4
Very impressed with their quick…
Very impressed with their quick response. Within the next day I had an appointm...
James Hodge
June 3
Nice
Nice And thank for insurance
Ngan huuLe
June 3
Great service
Quick and easy application, followed by immediate response from the Lowest Rates...
CaseyO'Brien
June 2
Good service
Good service, recommend look for better rates
YJC
May 30
Spoke to a broker about insurance…
Spoke to a broker about insurance broker who gave me a great quote for my home a...
Ruth
May 28
I used lowestrates to find great rates…
I used lowestrates to find great rates for both my car insurance and for renter'...
Alexandre Williot
May 28
This website was incredibly helpful
This website was incredibly helpful. My current home and auto insurance has gone...
Ashley
May 18
Sandra was amazingly personable
Sandra was amazingly personable, efficient and knowledgeable. Kudos! A great ser...
Rachel Constantine
May 18
Lowest Insurance rate I have ever comes…
Lowest Insurance rate I have ever comes across. My broker Tracy is easy to talk ...
Abel Pat
May 17
I have had a good expierience with the…
I have had a good expierience with the insurance agent, but I need more time to ...
Earl Thompson
May 13
Car and home insurance
It was great experience and very helpful for what I needed!!!!
Maria GEstrela
May 12
Love the experience
I was able to save a lot in my auto insurance. Initial online process was fast. ...
Mohammad Saiful Islam
May 11
Very accurate quotes that are fast …
Very accurate quotes that are fast thanks guys
BaselFarhat
May 10
Very pleasant and helpful
Very pleasant and helpful. No pressure there for the client
Dakota JCooper
April 19
Friendly and professional service
Friendly and professional service; great and affordable rates. Saved 700 annuall...
Azeee
April 13
Fast call back regarding my auto…
Fast call back regarding my auto insurance quote Thank you
VERGINIOCASTELLANO

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 save big on auto insurance.

CustomerLocationVehicleLowest rateAverage rateSaved
Quote from June 27, 2022
Customer
Male, 19 years old
Location
ontario
Vehicle
2010 VOLVO XC60 3.2 4DR 2WD
Lowest Rate
$436/mth
$5,234/yr
Average Rate
$682/mth
$8,178/yr
Saved
$245/mth
36.00%
Quote from June 27, 2022
Customer
Male, 38 years old
Location
ontario
Vehicle
2000 CHRYSLER INTREPID 4DR
Lowest Rate
$158/mth
$1,893/yr
Average Rate
$227/mth
$2,726/yr
Saved
$69/mth
31.00%
 

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