La première année coûte en moyenne 3 500-6 000 $ (CB) / 4 000-7 000 $ (ON), puis baisse de 15-30 % par an après 3 ans sans réclamation. Données MyChoice 2026 + AAIRB 2026 pour 5 villes, plus 7 leviers concrets.
Basé sur le moteur InsurVibe échantillonnant les principaux assureurs canadiens ; fourchettes pour profils types, primes finales selon la souscription.
| City | G1/G2 first year (ON, private) | Class 7/5 first year (BC, incl. ICBC Basic) |
|---|---|---|
| Toronto / Brampton / Mississauga | $5,500-7,000 | — |
| Ottawa / Hamilton / London | $4,200-5,500 | — |
| Calgary / Edmonton | $3,800-5,200 | — |
| Vancouver / Surrey / Burnaby | — | $3,500-5,000 |
| Victoria / Kelowna | — | $2,800-4,000 |
3 informations, estimation en 30 s, gratuite, sans capture de piste.
G1/G2 first-year premiums average $4,000-7,000 in the GTA (Toronto, Brampton, Mississauga) and $3,800-5,500 in Ottawa/Hamilton/London, based on MyChoice 2026 quotes. Mature drivers with 10+ years experience in the same city pay 50-70% less.
Class 7 (L) and Class 5 (N) first-year premiums run $3,500-5,000 in Metro Vancouver and $2,800-4,000 in Victoria/Kelowna, including the mandatory ICBC Basic Autoplan. Enhanced coverage adds $800-1,500 on top.
Most carriers give 15-30% renewal credit after each year of claims-free driving. By year 3, new drivers typically reach the same rate as an experienced driver with the same profile. Some carriers offer "accident forgiveness" programs that protect the first at-fault accident.
Seven effective strategies: 1) complete an approved driving course (5-15% discount); 2) bundle with parents' multi-vehicle policy; 3) choose a higher deductible ($1,000+ instead of $500); 4) drive a cheaper-to-insure vehicle (sedan > SUV > sports car); 5) maintain a B average or higher if you're a student; 6) install winter tires (5-10% in ON, mandatory in QC); 7) shop 6 carriers at renewal — the spread is 200%+ for new drivers.
Yes, in Ontario. You must be listed as a driver on the policy to legally drive their vehicle, even with your own G2. If you have your own car, get your own policy — but multi-vehicle household discounts on the parents' policy can save 15-25% for everyone.
Données au 2026-08 · Les chiffres sont des estimations de démonstration (SIM-2026.9) calibrées sur les relevés des outils de cotation des assureurs et des données publiques ; primes finales selon les soumissions des assureurs via un courtier agréé.
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