Over 3 million insurance quotes
Compare Quotes from 30+ Car Insurance Providers and Save
Compare Quotes from 30+ Car Insurance Providers and Save

I’m a teen getting my G1 licence. If my parents add me to their policy will their insurance increase?

June 23, 2014

No, typically your parent’s insurance will not increase when you have a G1 licence as this is only a learner’s permit. Your parents will need to let their insurance company know though that you’ve got your G1 licence, but their premiums won’t change until you get your G2 licence. Each time you move through the graduated licensing system (getting your G1, G2 and then being fully licensed) your parents must notify their insurer.

The reason getting your G1 doesn’t affect your parent’s insurance is because a G1 learner’s permit is just that–a learner’s permit. It is the first level in Ontario’s graduated licensing program. It is a highly restrictive licence, with many conditions one of which is that the G1 driver must never drive alone. Another fully licensed driver (who is sober, has at least four years of driving experience, and whose licence is not suspended) must be sitting in the front passenger seat of the car, supervising the G1 driver.

It’s when you can drive solo—without a supervisor—that your parent’s insurance premiums will increase.

Ask the Expert. Anne Marie Answers

Ask The Expert

At InsuranceHotline.com, we get tons of questions from our customers on a range of insurance issues. Follow our Ask the Expert series featuring resident insurance expert Anne Marie Thomas as she answers your most frequently asked insurance questions. Do you have a question about your policy, coverage, or anything else? Ask Anne Marie by using the hashtag #AskAnneMarie and posting your question to our Facebook or Twitter page. Or email us at contactus@insurancehotline.com. Your question could be answered in our next #AskAnneMarie video.

  • RK

    Did the insurance rate go down because of the new government law?

  • http://www.insurancehotline.com/ InsuranceHotline.com


    The province mandated that insurance companies taken an overall decrease of 15% by 2015.

    The amount of the reduction (if any) depends on the driver’s profile.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    I am sorry but I don’t understand your question.

  • http://www.insurancehotline.com/ InsuranceHotline.com

    Yes. In Ontario you should advise your insurance company of operators of your vehicle.

  • http://www.insurancehotline.com/ InsuranceHotline.com


    It might. It depends on what you were charged with. Check with your insurance broker

  • Megan

    I just got my G1 and I would like to buy my own car. My mother has passed away and my father doesn’t have a license/insurance. Will I be able to drive my new car (with a fully licensed driver of course)? Or will I have to wait until I get my G2?

  • Bill Huang

    Unless tht car is insured under tht fully licensed driver no. All drivers by law must insure their cars. Soo best to get an instructor first and then get ur G2

  • Alice Yali Mui

    I have a question if i get my g2 and im still driving with my mom in the car like still kind of practicing do i need to get insurance my moms insurance people know that I will get my g2 soon. But my mother wants me to get insurance when i turn 21 is it possible to still practice driving and stuff with an adult driver in the car that is sober and stuff with license more than 5 years. Or if in a situation where the person who drove to the a party was got drunk and u as their friend who is sober has to drive them back is that legal?

  • Jake Jelen

    Hey I just got my G2 but we can’t let the insurance company know till Monday because there closed am I still aloud to drive for the next 2 days?

  • Nico Taylor


    I was just wondering, if I want to keep my insurance rates lower as a G1 driver, do i really need to take the classroom courses or can i just take roadside lessons and be okay?

  • Nikhil Tailor

    Hey Guys, I wanted to know if in order to keep your insurance rates as a G1 driver, you needed to take classroom courses at a driving school? Or would my parents insurance rates be okay if I just did roadside lessons without any classroom courses.