Consequences of breaking G1 rules
Violating G1 licence conditions can lead to escalating penalties:
- First conviction: 30-day licence suspension
- Second conviction: 90-day licence suspension
- Third conviction: licence cancelled, requiring the driver to restart the graduated licensing process and pay all associated fees again
Beyond the immediate penalties, it's important to note that early driving violations can remain on your driving record for years, and lingering suspensions and convictions are likely to negatively affect insurance pricing once you move on to a G2 or full G licence.
Demerit points and G1 drivers
G1 drivers are subject to Ontario’s demerit point system, but the suspension thresholds are lower than they are for fully licensed drivers. That means that accumulating just six demerit points can result in a licence suspension at the G1 stage.
In Ontario, demerit points will remain on your driving record for two years.
Can you get car insurance with a G1 licence?
In most cases, G1 drivers do not carry their own auto insurance policy.
Because they are only permitted to drive under supervision, coverage typically comes from the policy held by the fully licensed driver who owns and insures the vehicle. Generally, insurers will not provide coverage directly to a G1 license holder.
In many cases, a G1 driver can be added to an existing policy as a secondary driver. This is common for teenagers learning to drive in a family vehicle.
Being listed on another driver’s policy early can help you establish an insurance history, but it may also increase your household premiums. Once a driver upgrades to a G2 and begins driving independently, insurance requirements and pricing will change.
Buying a car with a G1 licence
There is nothing in Ontario law that prevents a G1 holder from purchasing a vehicle. However, insuring that vehicle for regular use is more complicated.
Insurance policies are typically issued in the name of the registered owner, and the primary driver must hold at least a G2 licence. As a result, most G1 drivers cannot insure a vehicle in their own name for driving purposes until they advance to the next licensing stage.
Moving from a G1 to a G2 licence
To graduate from a G1 to a G2, drivers must pass a road test that evaluates basic driving skills.
The test can be taken after 12 months with a G1, or after 8 months if the driver completes an approved driver education program.
Once a G2 licence is issued, drivers are allowed to drive without a supervising passenger and may access all Ontario roads, including highways. While some restrictions remain at the G2 stage, it represents a significant step toward independent driving.
What new G1 drivers should keep in mind
The G1 licence is intended to be a learning phase. The associated rules may seem harsh and firm, but the consequences for ignoring them can be lasting.
Responsible early driving behaviour will affect not only how smoothly you move through Ontario’s licensing system, but also what kind of insurance costs you may face further down the road.
Understanding the requirements and restrictions from the start can help new drivers avoid setbacks, and build a solid foundation for safe and confident driving.
It can also be worth reviewing how new drivers are covered under your current household auto insurance policy. Making sure everyone is listed correctly can help prevent coverage gaps and unexpected costs.
If you have questions about how a G1 or G2 driver fits into an existing policy, a Surex advisor can help explain your options and what to expect as your licence progresses. Learn more about car insurance in Ontario or start a quote today to compare coverage and rates with confidence.