Guelph best driving education

Young Toronto drivers are facing crushing insurance costs, with a new Rates.ca analysis showing a 20-year-old male in the city could be charged more than $13,000 a year to insure a recent-model Honda Civic. The estimate assumes no claims, no tickets, and no training — yet premiums remain some of the highest in the province.

Insurers point to higher collision rates in the GTA, dense traffic, and the increased risk profile of younger drivers as the reason rates keep climbing. Driver training can lower the bill slightly, but not enough to make coverage affordable for many first-time car owners. The numbers highlight why more young Torontonians are delaying getting a vehicle or opting for transit and ride-share instead.

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