Car insurance for first-time drivers and car buyers in Ontario can be a bit more complicated than insurance for experienced drivers, as insurance companies consider first-time drivers to be a higher risk. Here are some things you need to know about car insurance for first-time drivers and car buyers in Ontario:

1. Graduated licensing: In Ontario, new drivers must go through a graduated licensing program, which requires them to complete different stages of training and testing before they can get a full driver’s license. Insurance companies may offer lower rates for drivers who have completed the graduated licensing program.
2. Cost: Car insurance for first-time drivers can be more expensive than insurance for experienced drivers, as insurance companies view new drivers as higher risk. The cost of your insurance will depend on a variety of factors, including your age, driving history, and the type of car you drive.
3. Coverage options: When choosing car insurance, first-time drivers should consider coverage options that meet their specific needs, such as liability coverage, collision coverage, and comprehensive coverage.
4. Discounts: Some insurance companies offer discounts for first-time drivers, such as discounts for completing a driver training program or for maintaining a good driving record.
5. Shopping around: When shopping for car insurance, it’s important to compare quotes from multiple insurance companies to find the best coverage and rates. You may also want to consider working with an insurance broker, who can help you find coverage that meets your needs and budget.
6. Choosing the right car: The type of car you drive can also impact your insurance rates, with sports cars and high-performance vehicles generally costing more to insure. First-time drivers may want to consider a more practical or economical vehicle to keep insurance rates low.
7. Understanding the policy: When choosing car insurance, it’s important to understand the policy and what is covered. Be sure to read the fine print and ask questions if you are unsure about anything in the policy.

Overall, car insurance for first-time drivers and car buyers in Ontario can be a bit more complicated than insurance for experienced drivers, but with the right information and guidance, it is possible to find coverage that meets your needs and budget.

Best Cars to Insure For First-Time Drivers

1. Honda Civic: The Honda Civic is a popular choice for first-time drivers due to its affordability, reliability, and safety features. The average insurance rate for a Honda Civic in Toronto, Ottawa, Hamilton, London, and Windsor is around $1,700 per year. The MSRP in Canada for a 2022 Honda Civic is $24,550.
2. Toyota Corolla: The Toyota Corolla is another reliable and affordable car that is well-suited for first-time drivers. The average insurance rate for a Toyota Corolla in Toronto, Ottawa, Hamilton, London, and Windsor is around $1,700 per year. The MSRP in Canada for a 2022 Toyota Corolla is $21,250.
3. Mazda3: The Mazda3 is a compact car that offers a blend of style, performance, and fuel efficiency. The average insurance rate for a Mazda3 in Toronto, Ottawa, Hamilton, London, and Windsor is around $1,800 per year. The MSRP in Canada for a 2022 Mazda3 is $21,500.
4. Kia Forte: The Kia Forte is a budget-friendly car that offers good value for its price. The average insurance rate for a Kia Forte in Toronto, Ottawa, Hamilton, London, and Windsor is around $1,700 per year. The MSRP in Canada for a 2022 Kia Forte is $17,695.
5. Hyundai Elantra: The Hyundai Elantra is a practical and efficient car that is ideal for first-time drivers. The average insurance rate for a Hyundai Elantra in Toronto, Ottawa, Hamilton, London, and Windsor is around $1,700 per year. The MSRP in Canada for a 2022 Hyundai Elantra is $20,899.

Please note that these are average insurance rates, and your actual rates may vary depending on your driving record, location, and other factors. It’s always a good idea to shop around and compare quotes from multiple insurance companies to find the best coverage and rates for your specific needs.