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We can help
high-risk drivers

Considered a high-risk driver? Don’t worry, we work with every high-risk auto insurance company in Ontario, which means we have access to the best rates out there.

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What makes you a high-risk driver?

All drivers in Ontario (even high-risk ones) have a right to coverage. We can help you lower your rates through telematics and more. Here are some things that might make you a high-risk driver:

Speeding ticket

Three or more tickets

Car accident

Two or more at-fault accidents

Missed payment

Being cancelled for non-payment

DUI

A serious conviction like a DUI or distracted driving

Driving suspension

A license suspension

Cancel coverage

Being cancelled for lying

There are combinations as well. For example, one at-fault accident and two tickets might do it. Being under 25 or a new driver won’t make you high-risk by themselves, but they also don’t help.

What can you expect once you’re labelled high-risk?

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Some companies will refuse to insure you, and others may quote you double or triple your old rate, depending on your record.

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The good news is that there are insurers that specialize in high-risk auto insurance, and they will offer you the best possible rates given your record.

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Saving on high-risk auto insurance may not be as easy as saving on a normal policy, but it’s still possible and we can help.

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We can find you the best high-risk insurance

Mitch works with all the high-risk insurers. So when you call us for a quote, you can feel good knowing that we’ll find the best price that’s out there for you. See the full list of companies we shop on your behalf.

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1-800-731-2228

Frequently asked questions about high-risk auto insurance

High-risk auto insurance – which is also known as non-standard auto insurance – is for drivers who don’t qualify for coverage from the regular or standard market. Drivers can be labelled high-risk for a number of reasons including having multiple tickets or at-fault accidents, DUI or distracted driving convictions, having had insurance policies cancelled because of non-payment or lying on your application, license suspensions and more. Insurers consider high-risk drivers to have a greater likelihood of making a claim, which is why high-risk auto insurance is usually more expensive than a standard car insurance policy.

Your price will depend on your driving record and the reasons why you’ve been classified as high-risk. That being said, high-risk insurance premiums will almost always cost more than a standard car insurance policy. An insurance broker can get you quotes from different high-risk insurers to help find the cheapest rate.

The high-risk label also means that most insurance companies will limit the amount of coverage they offer. You won’t get accident forgiveness.

Here’s how long it takes for tickets and at-fault accidents to come off your record.

  • Tickets (even DUIs) stay on your record for three years
  • Suspensions stay three years from the end of the suspension
  • Cancellations stay for three years
  • At-fault accidents usually stay for six years

Remember that high-risk is not forever. If you’ve been labelled high-risk, adopting safe driving habits and avoiding traffic convictions and at-fault accidents will help you get back to the regular (standard) market sooner. This will make it much easier to save on your car insurance.

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