If you're a new driver it will likely be a bit more expensive. It takes time to build up your driving history to show that you are not a high-risk driver. Over time, with more experience, your car insurance premium will decrease if you maintain a clean driving history. In addition to location and your driving record, there are several other factors that go into determining insurance rates including: The type of car you drive How often and how far you drive The deductibles you choose Any optional, extra coverage you add to your policy Some insurers offer discounts to drivers who have completed accredited driving school programs approved by the Ontario Ministry of Transportation. All approved schools are listed on the ministry's website.