Cheap Car Insurance Quotes for G2 Drivers in Ontario
Compare and save an average of $800* on Ontario car insurance. Get a better rate.
Compare G2 car insurance quotes from top providers
Freelance writer
Car insurance for G2 Drivers in Ontario
Accidents can happen when you’re learning to drive. As a G2 driver you have several months to a year (at least) of driving experience. But this is only the beginning of building your driving history. Because many G2 drivers are under the age of 25 with short driving histories, they are considered higher risk. This means insurance companies view these drivers as more likely to file claims on than average.
However, getting to your full G license is a staggered process. While the G1, the first stage allows you to drive with a fully licensed driver who has at least four years' experience, it does not require insurance in Ontario.
A G2, the next stage, allows you to drive independently for up to a year, prior to obtaining your full G license. This stage requires insurance and is mandatory in Ontario.
As mentioned, most G2 drivers are young and inexperienced. As a result, G2 driver insurance will be higher than other experienced drivers. A G2 driver's insurance rates will normally be 25% to 50% higher than a G driver.
Because G2 drivers are considered independent drivers, they can obtain insurance policies. However, it may be much cheaper to be placed as an add-on to an existing policy of a family member before embarking on a fully separate policy (and mom or dad might pay for it).
Recent car insurance quotes for G2 Drivers
Recent auto Insurance Quote from Brampton, Ontario
Female, 36 years old
2020 HONDA ACCORD TOURING 4DR
May 04, 2025
Cheapest Quote
$ 412 / month
$ 4,938 / yearAverage Quote
$ 562 / month
$ 6,740 / yearSavings
$ 150 / month
$ 1,802 / year
27 %
Recent auto Insurance Quote from Nepean, Ontario
Male, 31 years old
2024 TESLA MODEL 3 LONG RANGE 75D 4DR AWD
May 04, 2025
Cheapest Quote
$ 612 / month
$ 7,347 / yearAverage Quote
$ 817 / month
$ 9,800 / yearSavings
$ 204 / month
$ 2,453 / year
25 %
Recent auto Insurance Quote from Sault ste marie, Ontario
Male, 22 years old
2018 JEEP COMPASS SPORT 4DR 4WD
May 04, 2025
Cheapest Quote
$ 569 / month
$ 6,824 / yearAverage Quote
$ 702 / month
$ 8,419 / yearSavings
$ 133 / month
$ 1,595 / year
19 %
How to get G2 licence car insurance quotes in Ontario
Ready to compare quotes and save?
Tell us about your vehicle.
Answer a few basic questions about your car, your driving & insurance history.
Compare your quotes
See quotes from 50+ insurance companies side by side.
Choose the right coverage
Find the right protection for your vehicle.
Secure your rate
Connect with the provider and secure your rate.
What people say about our quotes
Based on 6,427 reviews
Reply to your request for review
I have never submitted a claim for any policy's I have had ON MY TRAVELS. (I hope iI never have to.) So that part I can't comment on. If I ever need to submit will know how efficient it goes. thank you
Charlene
Call back within 5 hours
Call back within 5 hours. The Lady spoke clear English.
William A
promtly got a call back and setup with…
promtly got a call back and setup with a lender
Rodney STORIE
Quick response and great quotes
Quick response and great quotes, the only problem is: I got two different quotes in two days, which is cheaper in the second one.
Ray
Great information when speaking with…
Great information when speaking with John. Very knowledgeable and easy to talk with. Unfortunately I was last minute and resigned w the actual lender, not the business I used for the purchase and last renewal.
Corbett Thoms
Easy and fast
Easy and fast
Joanne
The quote the representative was able…
The quote the representative was able to obtain.
Jonathan McConnell
The agent I spoke to was very helpful…
The agent I spoke to was very helpful in recommending a few brokers in my area who was willing to work with my situation
The Blessed One
Laurie is a true agent but John is not
Laurie is a true agent but John is not, the person with extension 136 is not a good listener to client. Extension 133 Laurie is good on her duties!
Thu Tram
How much does auto insurance cost for G2 Drivers in Ontario?
At RATESDOTCA, we ran a sample quote with the data available to us for a male driver with basic mandatory coverage and clean driving record living in postal code area M6G 0A1. The quote compares auto insurance premium for the personal usage of 10,000 km per year, driving a 2020 Honda Civic DX 4 DR, between a G2 holder vs a full G licence holder.
| Age | Premium with G2 license only | Premium with full G license |
|---|---|---|
| 18 | $6,200 | $3,694 |
| 19 | $6,193 | $3,433 |
| 20 | $6,186 | $2,580 |
| 21 | $6,016 | $1,968 |
| 22 | $5,954 | $1,923 |
| 23 | $5,431 | $1,808 |
| 24 | $5,382 | $1,762 |
| 25 | $4,787 | $1,757 |
| 26 | $4,791 | $1,578 |
| 27 | $4,795 | $1,573 |
| 28 | $4,798 | $1,491 |
| 29 | $4,800 | $1,499 |
| 30 | $4,805 | $1,507 |
| 40 | $4,773 | $1,448 |
| 50 | $4,698 | $909 |
| 60 | $4,342 | $858 |
As observed above, the premium for a male driver with G2 licence at any age is significantly higher than that of a driver with G licence. Insurance companies consider drivers with a full G licence more trustworthy when it comes to driving on highways, more experienced and less likely to be involved in an accident.
How to get the cheapest car insurance for G2 drivers
There are several ways to get the cheapest car insurance for G2 drivers including:
- Comparison shop – Sites like RATESDOTCA offer quotes from more than 50 of Canada’s top insurance providers. A few bits of information and you’ll have G2 license quotes minutes.
- Add on to an existing policy – Being a second or third driver on a family member’s existing policy can save you a lot of money. You won’t be considered the primary driver.
- Only take the insurance you need – By avoiding optional coverage you may not need; you can reduce your G2 insurance premiums.
- Increase your deductibles – Insurance companies charge rates based on risk. If you lower their risk by agreeing to pay for more (should the need arise), you can expect a discount for that reduction in risk.
- Maintain a clean driving record – The cleaner your record, the more likely your insurance provider will offer discounts.
- Take a course – Some providers will offer discounts to new drivers who have taken defensive driving courses. It increases their knowledge and confidence and lowers risk for the provider.
- Drivers who go through the graduated licensing system should receive a rate reduction of 10% on all coverages, assuming the driver has had no chargeable convictions or at-fault accidents when entering their G2 stage. This reduction is applicable for one year.
Frequently asked questions about Car Insurance Quote for G2 Drivers in Ontario
Answers to all your questions about car insurance for G2 drivers are here...
When G2 drivers can and cannot drive on their own?
With a G2 licence, you can drive anywhere, anytime, by yourself or with passengers on any road or highway in Ontario. However, there are still some restrictions:
- Blood alcohol has to be at zero
- Passengers cannot exceed the number of working seatbelts in your car.
- If you are 19 or under, and are driving between midnight and 5:00a.m., you can have only one passenger under the age of 20 in the car for the first six months of having your G2.
- After six months you may have three passengers under the age of 19 in your car. This restriction does not apply if there is a G-level driver in the vehicle with four years' experience and is sitting in the front passenger seat.
Can G2 drivers drive on highway or out of province?
The only restrictions stated regarding G2 licensed drivers has to do with passengers and alcohol levels. There are no restrictions about driving out of province, as it is still a full license. Different bordering states may have other restrictions. It would be best to check those states’ laws before taking a road trip.
Can a G2 driver not on my insurance drive my car in Ontario? If an accident happened, which insurance would cover the damage?
There are no laws about lending your car to a G2 licensed driver who is not covered under your insurance. However, because of restrictions and risks, any rules that are broken while driving your car could negatively affect your coverage and premiums.
Can a G2 driver rent a car in Ontario?
It depends, some companies say you need to have a valid class G driver's licence to rent a car in Ontario. It must be valid for the entire duration of the rental period.
Other companies do accept a G2 license but require the driver to be 25 or older, while others have a 20-24 age rental allowance but with an added “underage fee.” Talk to your local car rental company about their policies and procedures.
Can drivers with G2 licences drive without insurance?
While G1 drivers can drive without their own insurance, once you have a G2 license you are an independent driver and require an insurance policy. This may mean being listed as an additional driver on the vehicle of a family member you live with or getting your own policy for the first time. Though G2 drivers can pay more than average, due to factors like age and a short driver’s history, shopping around with our online tool can help find the best G2 auto insurance deal.
How much does G2 insurance cost?
G2 insurance costs can vary widely, depending on if you are being added to another policy or are the primary driver on your own. But there are other factors which can impact how much you pay.
These include your personal driving history, where you live and the age and model of the vehicle you’re insuring. If you’re purchasing your first automobile and want to reduce your insurance premiums, consider a pre-owned one or a basic model without too many options. Premiums can be higher for luxury cars or those with options which are complicated to fix in case of collision.
Different companies offer different discounts which can help you offset higher rates for being a newer driver. For instance, some insurers offer discounted rates for policyholders who take drivers education courses.
The best way to save money is by shopping around using an online tool like RATESDOTCA. We work with over 50 of Canada’s best insurance providers to provide you quotes in just a few minutes.
What’s the insurance rate difference between a G and G2 licence?
It depends on the driver, their driving history, and the vehicle they wish to insure. There is a reduction in cost which reflect the driver graduating to a new license stage. This is because the change tells insurance companies that a driver has gained more experience and knowledge, helping reduce their risk profile. To take advantage of potential savings when you upgrade to a G licence, shop around using an online tool like RATESDOTCA.
Can G2 drivers have their own insurance?
Yes, although this depends on the driver’s needs. If you are over the age of eighteen and are the primary driver of a vehicle, you will need your own insurance. In Ontario it is standard that you have third-party liability, statutory accident benefits and direct compensation-property damage coverages. Additionally, you must have uninsured automobile coverage. There are options you can add on, for example, increasing the amount of third-party liability coverage or adding optional collision or accident benefits coverages.
For some G2 drivers who live at home with family and share a vehicle, they may wish to be added as a second or third driver on a parent’s policy.
*Shoppers in Ontario who obtained an auto insurance quote on RATESDOTCA and transacted via our contact centre from January to December 2022 saved an average amount of $800. The average savings amount represents the difference between the shoppers’ average lowest quoted premium and the average of the second and third lowest quoted premiums generated by RATESDOTCA.
Joel Kranc, Freelance writer
Joel Kranc is a freelance writer and content provider who has worked with RATESDOTCA since 2019. He holds an MA in political science from the University of Toronto and a film certificate from New York University.
He has been published in and worked for such companies as CNN, Rogers Media, Institutional Investor Magazine, The Globe and Mail, Infrastructure Investor, BenefitsPRO Magazine, Global Finance Magazine, With Intelligence, the CPP Investment Board, Hospitals of Ontario Pension Plan, and many more financial services and industry publications.
He is the author of "Retirement Planning in 8 Easy Steps," which, when released in 2015, was No. 11 on the Publisher's Weekly US Bestseller List for Business and Finance, beating out Mark Cuban's "How to Win at the Sport of Business."
Latest auto insurance articles:
If you’re in Alberta, whether you’re a long-time resident or a recent arrival, here’s everything you need to know about getting your driver’s license.
If you’re thinking about buying a used car, there’s much to consider — including inflated prices.
Here is what you should do if an everyday road hazard or an unforeseen event triggered by poor weather or construction damages your vehicle.
Ongoing rounds of tariffs may continue to strain homeowner's pockets - especially when it comes to home and auto insurance.
If a child living at home drives, you should add them to your car insurance as soon as they have a provisional or full license.
Every hour, an average of nine drivers are criminally charged or have their license suspended for driving impaired. Don't be part of that statistic.
