A G1 driver usually adds little or nothing to a family policy. The premium event is the G2 — solo driving starts, and the new driver rates as a principal or occasional operator. Rates then fall meaningfully with the full G plus each clean year.
Ontario’s graduated licensing system spreads the cost of becoming a driver over several years. Knowing what changes at each stage lets a family plan the premium instead of being surprised by it.
| Stage | What changes | Premium effect |
|---|---|---|
| G1 | Learner — always accompanied | Usually free or nominal to list |
| G2 | Solo driving begins | The big step — new-driver rating applies |
| Full G | Full privileges | Meaningful drop, grows with each clean year |
Convictions in the first licensed years carry outsized weight because there is no long history to dilute them. The insurance value of a clean first three years is larger than any discount on this list.
This article is general information, not insurance advice. Insurance Genie is not an insurer, brokerage or agency. Coverage is defined by the policy wording issued by the insurer and confirmed by the licensed organization that places it.
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