Car Insurance High Risk Auto Insurance

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High Risk Auto Insurance

Are you looking for high risk auto insurance? Have you just gone through the unlucky experience of having your auto insurance policy cancelled or not renewed? Bad luck with tickets, at-fault accidents, traffic convictions and payment issues can impact on your insurance record.

Just because you have been catirgorized as a high-risk driver doesn't mean that you can't get insurance. We can get you insured so you can continue driving.

We Are Ontario’s Leading High Risk Insurance Provider

ThinkInsure is a leading insurance broker and we partner with over 50 insurance providers. Our high risk brokers specialize in finding drivers the best rates on coverage.

We are the best choice for high risk drivers :

  • Compare coverage from all high risk insurance companies : We can offer you coverage from all high risk insurance providers. There is no need to shop anywhere else.
  • Save with the best rates : Since we’re partners with all Ontario high risk insurance companies, you’ll get the best rates. You could save hundreds!
  • We can get you insured : We don’t turn you away when you need us the most.
  • Get back to lower premiums : We'll advise you on ways to get back into a cheaper policy as soon as possible.

How To Get High Risk Auto Insurance

It's easier than you think to get high risk car insurance. Our brokers will quickly find you quotes and coverage from the leading high risk providers. Compare the best quotes in 3 minutes or less. Then choose the lowest rate and get insured.

To get the most accurate quote please have the following :

  1. Driver’s license number
  2. Vehicle information and VIN

You can compare quotes online using these simple steps :

Step 1

Start Your Quote

Begin your high risk auto insurance quote online.

Step 2

Tell Us About Yourself And Vehicle

Enter information about your driving history and vehicle.

Step 3

Compare The Best Quotes

Compare quotes from all high risk insurance providers.

Step 4

Choose The Cheapest Price

Choose the lowest rate. Confirm the details with us and purchase your policy.

What Is High Auto Risk Insurance?

What Is High Risk Auto Insurance?

High risk auto insurance is a type of coverage for drivers who are considered a high risk. Some refer to it as non-standard coverage. You may need to get high risk insurance if you have a bad driving record. This includes too many tickets, too many at-fault accidents, insurance policy cancellations or payment issues.

Insurers see these types of drivers as a higher risk. They are either not willing to take on the risk or will insure you at a higher rate. Every insurer has different measures for what makes a driver qualified for non-standard car insurance coverage.

How Much Does High Risk Auto Insurance Cost?

The cost of high risk auto insurance can be significantly more than cost of standard car insurance in Ontario. In many cases, you can expect your rates to double or triple compared to regular car insurance.

Average rates can range between $2,500 to $5,000 or more per year depending on your driving record and insurance history.

See Our Reviews For High Risk Auto Insurance

We help high risk drivers get insured

We have helped thousands of Ontario drivers get coverage when other companies wouldn't. See what our customers are saying about us on Google.

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Average of 4.7 out of 5 stars in 708 Google reviews

What Are The Reasons You Are Considered A High-Risk Driver?

High-Risk Auto Insurance Ontario

There are many driving and non-driving reasons you can be considered a high-risk driver in Ontario.

Here are the common driving causes that make you a high-risk :

  • Speeding Tickets And Traffic Convictions : How many speeding tickets or other driving convictions did you have in the last 3 years? If you have more than a few, insurers may view you as a high-risk.
  • Impaired Driving : Impaired driving is a serious offence. You should never get behind the wheel if you’ve been drinking or are under the influence of drugs. Do you have an impaired driving conviction? Many insurers may not provide you with insurance coverage.
  • At-Fault Accidents : Do you have at-fault accidents on your record? You could have your insurance cancelled or your insurer could choose not to renew your policy.
  • Careless Driving Or Stunt Driving : Have issues because of a careless driving or stunt driving ticket? A conviction for careless driving stays on your record for 3 years. You’ll need non-standard car insurance during this time.

These are some non-driving factors that make you a higher risk :

  • Insurance Payment Issues : Had a few late payments or missed some payments? It happens. People fall on financial hardships. Most often it is out of your hands and without notice. We can still get you coverage.
  • You’ve Had A Lapse In Coverage : Insurance providers like drivers who have long histories of continuous insurance coverage. A lapse in coverage will cause most insurers to take a second look.
  • You’ve Never Had Insurance Before : Is this your first auto insurance policy or are you a new driver? Providers may consider you a higher risk because you don’t have any prior insurance history.

How Do You Get The Cheapest High Risk Auto Insurance?

Cheap High Risk Insurance Ontario

Here are the best tips to help you save on high risk car insurance.

  1. Stay Accident Free : It’s very important to re-establish a clean driving record. Drive safe, avoid at fault accidents, and stay claims free.
  2. Don't Get Any Traffic Convictions : Follow the driving rules and stay conviction free. You don't want to get rated for any convictions on your insurance.
  3. Complete Driver Training : Take certified driver training courses if you are a young or new driver. This will qualify you for an insurance discount and lower your rates.
  4. Take A Defensive Driving Course : Taking extra driving courses could help drivers with a poor driving record get lower rates. Check for approved courses and driving schools.
  5. Drive An Insurance Friendly Vehicle : Drive a car that is less expensive to insure. Now is not the time to be driving a sports car or expensive vehicle. Consider trading in your car for a model with a better safety record or safety features. See this list of the cheapest cars to insure.
  6. Pay Your Insurance Premiums On Time : Avoid missing a payment or having payment issues. Cancellation for non-payment goes in your insurance record and will increase rates.
  7. Get advice from a broker : Every situation is unique. Speak with a high risk broker about your unique case. They can provide you with expert advice. They can also find you ways to lower your premiums.
  8. Shop around : While they may be fewer, you still have options. Comparison shop to find the right policy and cheapest rates.

High Risk Auto Insurance FAQs

Get your high risk insurance questions answered :

There are many high-risk insurance companies with the cheapest rates. It depends on your driving record, insurance history and some other factors. The best way to find the cheapest rates is to compare quotes from multiple high-risk insurers.

There are many options for high risk insurance in Ontario. Here are the top insurance providers :

  • Coachman (owned by SGI)
  • Echelon (owned by CAA)
  • Jevco (owned by Intact)
  • Pafco (owned by Pembridge)
  • Perth
  • Economical
  • Facility Association

Compare high risk insurance quotes from all Ontario providers.

Yes. High risk auto insurance is more expensive than traditional insurance coverage for vehicles. It is one of the most expensive types of insurance you can purchase. Premiums can be 2 or 3 times more expensive per year.

It depends. Some insurance companies require high risk drivers to pay a portion of their insurance premiums as a down payment. The down payment could be up to 25% of your total premium or more. Others offer discounts for paying your policy in full upfront.

The Facility Association is an entity established by the Compulsory Automobile Insurance Act in Ontario. All insurers belong to it. It is an option for high risk drivers to get coverage if they struggle to get a policy from other insurers.

No. If you maintain a clean driving record and you pay your premiums on time you will be eligible for standard insurance again. You will also see your rates decrease over time.

Get Cheap High Risk Auto Insurance Quotes Online Today

Few insurance providers can say they offer insurance quotes from all Ontario high risk insurance providers. Let us help you get the cheapest quotes if you’ve been labelled a high risk. We’ll work with you to compare quotes, help you save and get insured so you can drive.

Have a DUI? Learn more about DUI insurance.

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