I don’t know how other provinces operate, but I like Saskatchewan’s actuarial model. Instead of a bunch of demographic slicing and dicing, the only thing that matters is your driving record.

No record means you’re a new driver. Whether you’re 16 or 80 doesn’t get considered, just that you have a “new driver” risk profile. There are also a variety of driving restrictions that gradually come off over a few years of driving with a good record.

Build up a bad record and your premiums climb pretty rapidly. Depending on the nature of the infractions, even your driving license itself can start getting pretty darn expensive and possibly even revoked.

Build up a good record and your premiums go down and your driving license stays inexpensive.