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G1 Driver Tips for Saving on Car Insurance

Getting your driver’s license has to be the most exciting time in a young person’s life. It means independence, freedom and it also means responsibility. In Ontario, the graduating licensing program is designed to help guide these new drivers through the levels of licensing.

It all starts with the G1 (also known as the ‘365’ for the older folks). To get your G1 you must be 16 years of age, pass an eye test and a written test. It is important to know that as a driver, you must know the rules of the road and also know and understand the conditions and restrictions for your particular license level.

For example, G1 drivers in Ontario are subject, but not limited, to the following:

  1. Must drive with another fully licensed driver in the car at all times.
  2. This fully licensed driver must be the only other passenger in the front.
  3. The G1 driver must have a blood alcohol level of “ZERO”
  4. Not drive on any 400-series highway or high speed expressway.
  5. Not drive between the hours of midnight and 5 am.
  6. Any passengers must be wearing a seatbelt.


Frequently Asked Questions


Can a G1 driver buy a car?

Yes. However, you will likely be unable to insure the car until you are a G2 driver or a fully licensed driver. Contact your insurance broker for more details.


Do you need insurance with a G1 license?

Yes. All vehicles on the road must be insured.


Does the insurance company need to be told of a G1 driver?

Yes. If you live in a household where someone else has an auto insurance policy, they should notify their insurance that you have obtained your G1.


Does driver training reduce any costs associated with a young driver’s insurance rates?

Yes. Keep in mind that not all driving schools are accepted by insurance companies. Before choosing a driving school, look for one that has been approved by the Ministry of Transportation. An approved school is a requirement most insurance companies have before they can offer a reduced rate.

For more information on these rules and regulations, for a list of approved schools, and on the graduating license program, see the Ministry of Transportation of Ontario’s website today.


Can my school grades help me save money?

Yes. There are insurance companies who offer discounts to student drivers with good grades. Another bonus is that the discount can apply even after the student is finished school up until the age of 25!


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