Teenage Drivers and Auto Insurance

Teenage Drivers and Auto Insurance Harbord Insurance

Getting your driver’s license as a teenager is one of the first significant steps toward independence. Being able to drive around on your terms brings much freedom; however, with this freedom comes much responsibility. Driving and insurance for teenage drivers can pose some challenges.

Getting Your License

The first step in understanding insurance for teenage drivers is understanding what type of license they have. In British Columbia, they have implemented the Graduated Licensing Program (GPL) to slowly give new drivers experience.

  • The first stage of this program is the Learner stage. During the learning stage, your insurance will be covered under the supervisor’s coverage. The supervisor must check with their insurance provider to ensure they have the appropriate coverage.
  • The next stage is the Novice stage. This is the first stage of your license, and while you still have restrictions, such as a limited number of passengers, you are still allowed to drive without a supervisor. As you can now drive by yourself if you have a car, you will need your insurance policy. Policies for Novice drivers are higher than experienced drivers due to the increased risk.

Lower Your Insurance Costs

You can follow a few tips to help lower your auto insurance costs.

  1. Completing a driver training course. Many recognized driver training courses will help you learn how to drive. These will teach you all you need to know for your tests and improve your driving skills, and many insurance companies also offer discounts for people who have completed these courses.
  2. Buying a safe vehicle. Insurance companies usually offer lower premiums based on a car’s safety ratings. At the same time, a fast sports car will often increase the cost of your policy.
  3. Drive safe. Making sure you are driving safely is the single best way someone can prevent high insurance costs. Not getting any points on your license will significantly lower the cost of your insurance.


Auto Insurance for teenage or new drivers is often more expensive due to the risk of potential accidents. By understanding the ins and outs of insurance, you will know the best ways to help lower the insurance cost. If you have any questions, please feel free to contact us by email at [email protected] or by phone at 250-388-5533.

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