Generally speaking, a young driver is anyone 25 and under. In most provinces, teens can start driving at age 16. However, in some regions, teens are allowed to start learning to drive at age 14 or 15 (Alberta and the Territories, respectively). The age at which you are allowed to begin driving up until the age of 25 is when your insurance rates will be the highest. Rates gradually begin to decline every year in the late twenties. By age 30, most drivers are rated normally. In provinces with public car insurance systems (Manitoba, Saskatchewan) and in most Atlantic provinces (Nova Scotia, Newfoundland and Labrador, and New Brunswick), insurance companies are barred from using age to determine car insurance rates. Instead, insurers have to go by the length of time the driver has held insurance (with one exception: in Nova Scotia, insurance companies are allowed to rate new drivers for their age, but only for the first nine years).