Newly Licensed Drivers

Insuring a new driver can be expensive. Learn what you can do to keep your premiums as low as possible and stay accident-free.


Tips to Keep Costs Down

If you’re the parent of a teenager who is getting ready to climb behind the steering wheel, insuring your new driver can be an expensive endeavor. This is because the risk of motor vehicle crashes is higher among 16- to 19-year-olds than among any other age group.


New Brunswick Licenses

Class 7.1 (Learners permit) this permit allows to drive a vehicle with someone who hold class 5 at all times, cannot be insured by them selfs on any vehicle, driver allow to purchase car, cannot be the primary driver on any vehicle. can only be insured as secondary or third driver on vehicle that insured by holder of Class 5 or higher. not a considered to be a licensed driver.

Class 7.2 (Graduated Permit) Valid licensed driver with restrictions till full points are attained, Can be insure by them selfs with there own vehicle, driver are at highest risk due to experience and restriction on newly licensed driver, driving course can reduce your risk index, and your risk factor will lower as you gain years of experience.

Class 5  Fully licensed driver, attained full points, Can be insure by them selfs with there own vehicle, risk index lower than Class 7.2 due to experience, *driving course can still offer discount up to 6 years after course taken. *driver course discount can be removed is driver has any convictions.

*not all insurance carriers will have the same rules


We’ve gathered some helpful tips to help you keep your premiums as low as possible, and keep your newly license driver safe and accident free.

Enrol in Driver’s Education Although courses may be available at schools, consider enrolling him/her in a driver’s education course. Often, discounts are available for drivers who take recognized driving classes because it extends the teaching period. discount can apply up to 6 years.

Passing a Driving school course can lower your insurance premium up to 52%, may qualify for accident forgiveness.

Add Your Teen to Your Auto Policy Rather than setting up an independent policy for your newly licensed driver, consider adding him or her as an additional driver on your auto insurance policy. Also, if you have more than one vehicle, keep costs down by designating which vehicle your the newly licensed driver will be driving. the vehicle with lowest replacement cost will have a lower premium.

Deductible Considerations Auto deductibles typically range from $250 to $1,000. By upping your deductible and using your insurance for big repairs, you can significantly reduce your premium.

Weigh Your Buying Decision Wanting to get your teenager a new car to drive with the latest safety equipment is understandable, but you may be better off purchasing a safe, used vehicle in terms of premium prices. insurance premium are based on the car value and risk,

for example brand new car will have a higher safety rating but will have higher replacement cost then used car, a balance between these is were the lowest premium will be.


Set Your Expectations for Safety and Minimize Distracted Driving Teens can get distracted easily.

Top Ways to Save on Your Auto Premium:

  • Raise your deductible.
  • Driving school course discount
  • Add on existing policy as secondary driver
  • Ask about our multi-policy discounts.

To help reduce potential accidents:

  • Restrict your teen’s nighttime driving
  • Do not allow them to drive with more than one other person in the car
  • Ban cell phone use while driving
  • Ride with your son or daughter occasionally to make sure they are keeping up with the safety habits that they learned in driver’s education