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New drivers get extra discounts on car insurance

Onlia saves you money: Get 10% off with a G or G2 licence.

Cheaper car insurance for first-time drivers

With the average price of a new car having reached over $45,000 — the highest it’s ever been — and gas hovering anywhere from $1.50–$2.20 per litre for the last few years, it’s become outrageously expensive to drive in Ontario.

This is especially hard on young people who have been dreaming of their own set of wheels for a while, and now can barely afford to get in on the independence a new car offers.

Anything to make it cheaper for new drivers is a good thing. That’s what this exclusive Onlia discount does.

What is a Graduated Licensing discount, and who’s eligible?


With Onlia’s Graduated Licensing discount, you can get 10% off your car insurance cost for the first year you’re in  your new graduated license class.

You can take advantage of this discount for 1 year after you graduate from your G1 to G2, and again for 1 year when you graduate from G2 to G — as long as your driving and insurance history is in good standing, with no prior convictions or claims.

Go online with Onlia to get a Graduated Licensing discount on car insurance

We can offer discounts like this because we’re a digital direct car insurance provider. Just us, you, and more affordable car insurance.

Switch to Onlia in 3 easy steps

  • Get a quote online in just a few minutes

    Fill in a few details to see your price. Checkout, and be covered as soon as the next day.

  • Customize your coverage & see your discounts

    Adjust your coverage based on your needs, and see how much you save with our instant discounts.

  • Manage your insurance online, anytime

    Log into My Account to make changes to your policy. No phone calls required.

Digital means everything is done online

You can get a quote, buy a policy, change a policy or submit a claim right from your smartphone, tablet or computer. No waiting around on the phone, and no paying for someone to sit around on our side of the call. Those savings are then passed on to you.

Direct means we can offer exclusive discounts

Onlia directly gives you access to all our car insurance discounts — and we offer a lot of them. 


When you get your full G licence, you’ll qualify for more than a few of our discounts. Then the price of your car insurance lowers even faster.

Other benefits of Onlia digital direct car insurance

  • You can add or remove coverage whenever you need to, wherever you want to.
  • You have the freedom to update your policy and information online.
  • You get peace of mind knowing that your Onlia coverage will be there when you need it.

What Onlia's car insurance covers

Our coverage covers your bases – everything that’s required to drive in Ontario comes standard in our car insurance policies. Plus, you'll get extra protection like Ticket and Accident Forgiveness at no added cost.

*Mandatory coverage

Accident Benefits*
Provides medical, rehab and funeral costs to you, your passengers and anyone else injured in a collision.
Third Party Liability*
Covers your legal liability, even if you’re partially at fault for an accident.
Uninsured Driver*
Protects you on multiple fronts, like if you collide with an uninsured driver, or are a victim of a hit-and-run.
Direct Compensation
Helps pay to repair your car when you're deemed not at fault in a collision.
Helps repair or replace your car in the event you collide with another car or object.
Includes coverage for damage or loss due to fire, theft, vandalism, and more.
Rental Car
You’ll have access to a rental car while yours is being repaired or replaced.
Family Protection
If you or a family member is hurt in a collision caused by a driver who is underinsured, we'll cover the difference up to your policy limit.
Ticket Forgiveness
Free for eligible drivers, your premium won’t increase over a minor conviction.
Accident Forgiveness
Free for eligible drivers, your premium won’t increase after your first at-fault accident.

Discover more about car insurance


Save more with Onlia

Our rates are competitive, but who doesn't want cheaper insurance? Onlia's premium discounts are already applied before you check out.