How a BDE Course Saves You Money on Car Insurance in Ontario
Car insurance for new Ontario drivers is expensive — often $4,000–$6,000 per year for someone under 25. The good news? Completing an MTO-approved BDE course can cut that bill significantly.
How Much Can You Save?
Most Ontario insurers offer 10–25% off the base premium for drivers who complete a certified BDE course. For a new driver paying $5,000/year, that's up to $1,250 in annual savings — far more than the cost of the course itself.
Which Insurers Offer the Discount?
Major Ontario insurers including Intact, Aviva, Belairdirect, TD Insurance, Desjardins, and CAA all recognize MTO-approved BDE certificates. Always ask your broker specifically about the "driver training discount."
How the Discount Works
- Complete a BDE course with an MTO-approved school like Yusra Driving School.
- Receive your BDE completion certificate (we submit it directly to the MTO).
- Provide the certificate to your insurance broker.
- The discount is applied for typically 3 years.
Other Financial Benefits
- Take your G2 test 4 months earlier (8 months instead of 12).
- Lower chance of at-fault accidents = lower long-term premiums.
- Better-trained drivers get fewer tickets = no demerit point surcharges.
The Math Is Simple
A BDE course pays for itself in the first year through insurance savings alone. View our BDE course pricing or contact Yusra Driving School in Scarborough to register.