Young Drivers Auto Insurance

Get reliable car insurance coverage tailored to you with Brokerlink.

Is this year the year you finally get to drive on your own? Congrats! But before you hit the road, there are a few things you need to do. Of course, you’ll need a great playlist. You’ll also need an insurance policy. In Canada, all drivers are required to have car insurance. This includes young drivers or first-time drivers. As a young driver, regardless of whether you are purchasing a car, or planning to use your parents’ car, you will need to make sure you have the right car insurance policy.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

Basics of young drivers car insurance

How do you know if you’re considered a young driver? Most insurance companies consider young drivers to be between the ages of 16 and 24 years. Due to their relative inexperience in driving, they may be considered high-risk when it comes to car insurance. This means they are statistically more likely to be involved in an accident. That’s why young drivers often have to pay more for insurance than those with more experience. Because of this, it’s likely they’ll pay more expensive premiums.

Tips for young drivers to save on car insurance

Bundle your car insurance with your home insurance or tenant insurance

Bundling multiple policies can result in savings! Talk to your broker about bundling things like multiple cars, home or tenant insurance.

Take a young driver training course

By taking a government-approved driving program, you can progress to a full license faster
Some insurance companies offer discounts to drivers who have completed a driver training course. Talk to an insurance broker to learn more!

Raise your deductible

If you increase your deductible, your premium will be cheaper.
Before changing your deductible, think carefully about your budget and what you could afford to pay out of pocket if you are involved in an accident.

Drive carefully

One of the best ways to avoid an increase in your insurance is by avoiding accidents and claims.
You should also be sure to always abide by the speed limit. It’s one great way to stay safe and avoid claims.

Sign up for usage based insurance (UBI)

UBI uses technology to track your driving habits. If you are a safe driver, you can save on insurance.

Pay your premium on time

It’s important to always pay your insurance bill on time. Being a good customer is one way to avoid an increase in your rates.

Types of auto insurance coverage

Insurance brokers will help you determine the right coverage for you and your needs. There are many types of auto insurance coverage available. Depending on where you live, certain types of insurance coverage are required by law, and others are optional. Before purchasing insurance coverage, you should find out what kind of car insurance coverage is required where you live. You can find out if you have the right insurance coverage in your province by speaking with a broker who understands the laws in your home province. Let's learn more about each one to help you find the best coverage available:

Recommended

Additional

Liability insurance, also known as third-party liability coverage, helps pay for accidental injuries and property damage that occur in a car accident. It might also cover medical expenses or lost wages, as well as legal defence and court fees if necessary. This mandatory coverage is required across Canada, with its minimum amount varying depending on your province.

[Not mandatory in Newfoundland] With accident benefits coverage, you and any passengers who were in the vehicle at the time of the incident will receive compensation if someone gets hurt or killed as a result of the incident. It covers medical expenses, such as rehabilitation programs, caregivers, income replacement and funeral expenses if necessary.

[Not mandatory in Alberta] Like other insurance products, this type of coverage is mandatory. Uninsured automobile coverage will come into effect if you get into an accident with an uninsured or underinsured driver. It helps pay for damages caused by the accident even if the other driver leaves the scene in a hit-and-run and there's no one at fault for the collision.

[Not mandatory in Ontario] Also known as no-fault insurance, direct compensation coverage will help pay for damages if you get into an accident that was not your fault. This can include injuries and damages to your vehicle. However, you will only receive coverage when you are at fault if you have collision and comprehensive coverage.

Collision coverage is a popular type of optional coverage. It provides compensation for damages if your vehicle collides with another driver, a stationary object, or if your car rolls over. While this coverage is optional, you may be required to carry it if your vehicle is leased or financed.

Comprehensive coverage is another popular type of optional car insurance. It will help if your vehicle is damaged for reasons other than an auto accident. Expenses covered by comprehensive insurance can include theft, vandalism, fire, water damage, or even hitting an animal like a deer. You may also be required to carry this if your vehicle is leased or financed.

When you get into your first at-fault accident, accident forgiveness coverage prevents your insurance company from raising your rates after going through the claims process. It will allow you to maintain a clean driving record as you stay with the same insurance company. This is another popular type of optional coverage.

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

Let us be your resource for all things car insurance

Why BrokerLink

Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.

Our reviews

23022+ Reviews

Average rating of 4.6

Greg Silver

Excellent service, rates and customer service. Highly recommended.
Andy Rohansingh

Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
Ian Roome

I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Clara Furlano

Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
Joyce Kivuyo-Kisamo

I have been with BrokerLink for over 5 years and have never been disappointed; my issues have been always solved promptly and efficiently, they even found me a cheaper motor insurance with same qualit...
Terry Mason

I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
Sandi G

Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
DANI L

The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
Anne Langevin

What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
Peter Ayo

"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
Chris Gelowitz

Very nice people here, a welcoming feel, some nice plants, and very helpful and pleasant brokers
Digital Evolution

BrokerLink was fantastic to work with! Excellent communication, they answered all my questions and concerns, and were always very prompt with their responses. I highly recommend their service!
renee king

Always a pleasure to communicate with. Awesome service as always. I would definitely recommend them! Thanks for being there to help when needed!
Andrea Case

The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
Dan Hayes

I have been dealing with Doreen at Brokerlink for many years.Always great service and you can tell she really cares to get you the best policy for your needs.Thank you Doreen.
Rana Najar

I had a great experience, staff was friendly and informative. Which made it easy to understand. Thank you for all you help!
Mark Houston

Been using Brokerlink for several years now - exceptional service. It’s nice to actually see and know the broker you are dealing with as opposed to a phone conversation with someone you can barely und...
Katherine Bedea

Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Jessie hansra

Best customer service of the year for me.well explained and very helpful . Really appreciate it thanks
Ifedapo Adeniyi

Excellent Insurance broker especially for new and newly immigrant Canadians. Give them a look if you are looking for excellent service and the right coverage for you.
David Ford

Fast, efficient, knowledgeable service. Helpful staff.
Michelle Hawgood

Always very pleased with call-back time, details of the service and follow-up if required. Friendly, well-trained staff that make us feel that our needs are being met perfectly!
Trevor Hildebrand

Great people! Always friendly and knowledgeable and ready to help!
Morgan Adekeye

The women that work in this office are so wonderful. We have had some obstacles come up and they made sure they were solved quickly and as easily as they possibly could be. We are very happy with our...
Tyler Frisby

Fast and professional responses, what more Can you ask for. 5🪄
Steven Melowsky

Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
Steve Payne

First rate service all of the time ( last 10 years) no problems, service always given in a friendly, knowledgable way to ensure we receive the very best deals from the best companies
Matt & Sav Weetman

While insurance can be a pain to deal with, the staff are wonderful, friendly, knowledgeable and always willing to help you understand what is on your documents.
Brooklyn Seweryn

Lovely service, great communication and very helpful!!
Craig Gillis

Friendly, hassle free service. I'm impressed. Would highly recommend.
Cheryl Trush

The staff were to a person courteous, professional, and helpful. They answered every question quickly. I came from out of province and my needs were more than usual, yet I had insurance in 3 days. Ver...
Jinene Shinnicks

100 percent recommend, good quotes, good coverage and amazing brokers and customer care.
Geoff Aiken

Everything went perfectly including prompt follow up.
Tony Hynes

My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Christine Fedrau

Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
amanda

If you need a broker, this is the best place to deal with! Amazing staff!!
Lori Coffey

Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.

Our numbers speak for themselves

Get young drivers car insurance via BrokerLink

We have experience when it comes to all kinds of car insurance, including young drivers car insurance. Take full advantage of our connections when it comes to finding offers from reputable insurance companies. BrokerLink will shop around for you for the best options and deals.

[phone]

Get an auto insurance quote

Resources

Check out our wide range of resources, offering valuable information and tools, all in one convenient place.

Check out blog

Service and claims

Visit a branch

About us

FAQs on young drivers car insurance

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

Can I be added to my parent's car insurance policy?

Yes, you can be added to your parents’ car insurance policy. In order to be added there are a few requirements:

Your parents must be listed as the owners of the car you’re driving
You must live at your parents’ home

Is there young drivers insurance for motorcycles?

Motorcycle insurance is different than car insurance. Insurance companies have different risks to consider when it comes to motorcycles. To get a quote, talk to one of our brokers.

I started learning to drive in my thirties - am I still considered a young driver for car insurance purposes?

You might not be considered a young driver. However, insurance companies take driving experience into consideration. That means you might have to pay a higher rate until you get some driving experience under your belt. Talk to one of our brokers to learn more!

Can I be added to my parent's car insurance policy?

Yes, you can be added to your parents’ car insurance policy. In order to be added there are a few requirements:

Your parents must be listed as the owners of the car you’re driving
You must live at your parents’ home

I started learning to drive in my thirties - am I still considered a young driver for car insurance purposes?

Is there young drivers insurance for motorcycles?

Motorcycle insurance is different than car insurance. Insurance companies have different risks to consider when it comes to motorcycles. To get a quote, talk to one of our brokers.

More ways to find great car insurance

Browse additional resources to help you find the right coverage at the best price

Newfoundland & Labrador

New Brunswick

Nova Scotia

Ontario

Vehicle Insurance

Property Insurance

Other Insurance

Young Drivers Auto Insurance

Basics of young drivers car insurance

Tips for young drivers to save on car insurance

Bundle your car insurance with your home insurance or tenant insurance

Take a young driver training course

Raise your deductible

Drive carefully

Sign up for usage based insurance (UBI)

Pay your premium on time

Types of auto insurance coverage

Third party liability insurance coverage

Accident benefits coverage

Uninsured automobile coverage

Direct compensation - property damage coverage

Collision insurance coverage

Comprehensive coverage

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

Third party liability insurance coverage

Accident benefits coverage

Uninsured automobile coverage

Direct compensation - property damage coverage

Collision insurance coverage

Comprehensive coverage

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

Why BrokerLink

Our reviews

Greg Silver

Andy Rohansingh

Ian Roome

Clara Furlano

Joyce Kivuyo-Kisamo

Terry Mason

Sandi G

DANI L

Anne Langevin

Peter Ayo

Chris Gelowitz

Digital Evolution

renee king

Andrea Case

Dan Hayes

Rana Najar

Mark Houston

Katherine Bedea

Jessie hansra

Ifedapo Adeniyi

David Ford

Michelle Hawgood

Trevor Hildebrand

Morgan Adekeye

Tyler Frisby

Steven Melowsky

Steve Payne

Matt & Sav Weetman

Brooklyn Seweryn

Craig Gillis

Cheryl Trush

Jinene Shinnicks

Geoff Aiken

Tony Hynes

Christine Fedrau

amanda

Lori Coffey

Our numbers speak for themselves

Get young drivers car insurance via BrokerLink

Resources

FAQs on young drivers car insurance

Other products

More ways to find great car insurance

Car insurance by city: