New drivers pay the highest premiums because insurers have no driving history to rate. Every province uses graduated licensing, and your stage matters: Ontario uses G1, G2 and G; Alberta uses Class 7, Class 5-GDL and full Class 5; British Columbia uses L and N through ICBC.
The cheapest route is usually being listed as an occasional or principal driver on a family policy, completing an approved driver-training course, and choosing a car that is cheap to repair and rarely stolen. An advisor can compare how different insurers treat each licence stage.
