It is no secret that car insurance for new drivers costs more. High-risk means high premiums. The car insurance broker Surex gives a range of $3,000 to $7,000 for a driver under 25 in Ontario. That’s a hefty premium, but there are ways of bringing that sum down now and after your 25th birthday: Maintaining a clean driving record.  Take a driving safety class. For example, the Ontario Ministry of Transportation keeps a list of government-approved driving schools. After your course, you could be eligible for as much as a 15 or 20% discount on your premiums.  Get a full unrestricted driver's licence as soon as possible. In Ontario, this is the G License and is available at 18. In Alberta and British Columbia, it’s a Class 5 license. Names vary between provinces and territories.  Students can also save by maintaining good grades.