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Parents of new drivers
Best after the school year and in summer

Your teen just got their G2? Here’s how to keep your premium from jumping.

Adding a new driver usually raises your car insurance premium, sometimes by a lot. But insurers price new drivers differently, and driver training can help. Frank compares options so you can add your teen with confidence.

Add my new driver Call or text (613) 777‑0375

No obligation. Nothing changes without your approval.

  • Licensed broker (RIBO)
  • English or French
  • Weekends available
  • A real person, by phone

What parents should know

Tell your insurer early

Many insurers don’t require a G1 driver to be added, but they recommend you let them know. Once your teen can drive on their own, leaving them off can put your coverage at risk.

Driver training can help

An approved beginner driver education course can shorten the G1 wait to eight months, and most insurers offer a discount for recognized driver training.

Insurers price it differently

How much a new driver adds depends on the insurer, the car they’ll drive and how often. That’s where comparing helps.

Ways to keep the cost down

  • A discount for completing an approved driver education course
  • A good student discount, where the insurer offers one
  • Choosing deductibles that fit your budget
  • Bundling your home and auto insurance
  • Comparing how several insurers price new drivers

How it works

  1. Send a short requestPick a time for a call and add documents if you have them. It takes a few minutes.
  2. Frank reviews and comparesA licensed broker looks at your situation and compares options.
  3. You decideTalk it through by phone. Nothing changes without your approval.
Add my new driver

What to have ready

  • Your teen’s licence class (G1 or G2) and the date they got it
  • Their driver education certificate, if they took a course
  • Which car they’ll drive most
  • Your current auto policy

Don’t have everything? Send what you have and Frank will ask for the rest.

Common questions

Does a G1 driver need to be on my policy?

Many insurers don’t require it at the G1 stage, but they recommend telling them. Frank can confirm your insurer’s rule.

When should I call?

Before your teen starts driving on their own. Calling before the G2 road test avoids any gap.

Will my premium really go up?

Usually, yes. How much depends on the insurer, the car and how the driver is listed, which is why comparing matters.

What if my teen is away at school?

Tell your insurer. Some insurers treat students who live away from home and rarely drive differently.

Add your new driver the smart way

Tell Frank about your new driver. No obligation, and nothing changes without your approval.

Add my new driver Call or text (613) 777‑0375

Prefer email? Write to Frank.tereraho@insureu.ca.

More reasons to review your insurance

Ontario changed your auto accident benefitsMost Ontario accident benefits became optional on July 1, 2026. What to check before you renew.Buying or leasing a car? Insurance firstYou need proof of insurance to register and drive off the lot, and leases have their own rules.Winter tires on? Get the discountOntario insurers must offer a winter tire discount. Make sure yours is on your policy.

See all reasons to buy →

Sources: MTO Driver’s Handbook: getting your licence · FSRA: ways to save on auto insurance

Frank Tereraho is a licensed insurance broker (RIBO) affiliated with InsureU Brokers Inc., 135 Laurier Ave W, Ottawa, ON. This page is general information, not advice. Savings are not guaranteed. Quotes and coverage depend on each insurer’s underwriting and policy wording.