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Get Affordable High-Risk Auto Insurance

Are you looking for high-risk auto insurance in Ontario or other parts of Canada? Have you had some bad luck with tickets, accidents, traffic convictions or payment issues? Has your insurer cancelled your auto policy or have you been denied coverage?

We understand that it's frustrating when you're considered a high-risk driver. Your rates are higher and it's difficult to find an insurance company who will insure you. Don't worry, we can help you get insured and driving.

We specialize in high-risk car insurance and finding drivers the best quotes available. We are partners with the top high-risk insurance companies in Canada. We get high-risk drivers you affordable rates and help them save as much as possible.

Here's why ThinkInsure is your best choice for high-risk insurance :

Compare Rates From The Top High-Risk Auto Insurance Companies
Find The Lowest Premiums And Save More
Getting A Quote Is Quick And Free
We Can Get Insured Fast

Our Customer Reviews

Average of 4.7 out of 5 stars in 1131 Google reviews

We've helped thousands of drivers get insured and save on high-risk insurance.

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Kurai Sibanda

2021-09-24 00:24:58

Worked with Neil Sullivan. He provided an excellent service. Very professional and responsive. Highly recommend him

S G

2021-09-22 00:10:12

Neil was extremely helpful and went the distance. I trust ThinkInsure for good insurance rates. Thank you.

Pamela Ellis

2021-09-20 21:16:13

Rafael Torres is the broker to call for personal/business insurance needs at low rates & extremely quick. If your current insurance rates are continuing to climb, call Rafael at ThinkInsure for a quote.

Diana Ricaurte

2021-09-20 14:50:10

The company provided a great quality experience. Darryl Fardy helped and assisted me with any questions I had. He provided the information fast and there were no back and forth unlike with other insurance companies.

Kannagee Shanmugathaasan

2021-09-18 18:43:16

Neil Sullivan is did great job, timely response and very helpful. We enjoyed wonderful service from him. I will recommend to my friends and family

Stephanie N

2021-09-18 00:09:30

I was looking for a new insurance company, to get a better price. It took a quick phone call and a few emails with Rafael Torres. He is very professional and helpful! He found me a great price for a bundle. Everything was done very fast, and very efficiently. Thank you Rafael for your patience in dealing with me.

Odessa Lee

2021-09-15 18:17:41

We all know insurance sucks, but my recent experience with Darryl Fardy made it suck less. He’s professional without being stuffy and very efficient. He follows up when he says he will. That’s a first for me.

shirin habib

2021-09-15 13:40:55

I spoke to alot of insurance companies and the only one that was great with customer service was this one and Ryan was so quick to get back and help me

What Is High-Risk Auto Insurance?

High-risk auto insurance is a category of coverage for drivers who are more likely to file a claim, get in an accident, or default on payment.

This type of coverage is also referred to as non-standard auto insurance. There are a variety of reasons why you may be labelled a high-risk driver. Most have to do with having a bad driving record. This includes :

Too many tickets
A DUI charge
Multiple at-fault accidents
Policy cancellations
Non-payment issues
Stunt or careless driving convictions

Companies are reluctant to offer a policy to these types of drivers because of the increased risk of a claim. Many are either not willing to insure them or will provide it for a much higher premium. Every company has different criteria for why a driver needs high-risk insurance. If you cannot get insured with a traditional insurer, there are high-risk insurance companies who will insure you.

How Much Does High-Risk Auto Insurance Cost?

The cost of high-risk car insurance is considerably more expensive than a regular policy. A high-risk driver can expect premiums to be double or triple compared to regular car insurance.

Average rates range between $2,500 to $5,000 or more per year depending on the company and the reasons you are considered a high-risk.

For example, a driver with an impaired or reckless driving charge will have higher premiums than someone who has multiple minor convictions in a short period of time.

What Are The Reasons You May Need High-Risk Auto Insurance?

View from inside a car driving down country road

Driving mistakes happen. Wondering if you need high-risk auto insurance? The rules are different in every province. In Ontario car insurance, there are many driving and non-driving factors that could land you in the category :

Speeding and traffic convictions
Impaired driving
Too many at fault accidents
Careless driving
Stunt driving
Insurance cancellation or missed payment issues
A lapse in insurance
You’ve never been insured

Tips To Get The Best High-Risk Auto Insurance

It's frustrating when you need high-risk insurance and paying more for your auto premiums. But, there are still ways to get savings. Here are some tips to help you get the best rate :

Complete Driver Training : Take certified a drivers training course and inform your insurer.
Take A Defensive Driving Course : Taking extra driving courses could help young drivers under 25 get better rates. Check for approved courses and driving schools.
Drive An Insurance Friendly Vehicle : When you drive a sports car or expensive vehicle you may be considered a high-risk by some insurers.
Use A Broker : They are experts and work with multiple high-risk insurers. They will help you get insured and advise on how you can get back into more affordable coverage.
Boost Your Deductible : Increase your deductible to a higher amount will lower your premium.
Bundle : Combine your home and auto insurance with the same company to get a discount.

High-Risk Auto Insurance FAQs

What is the best high-risk insurance company in Canada?

There are many options for high-risk auto insurance. Here are the top companies in Canada :

Aviva
Coachman
Echelon
Economical
Hagerty
Intact Insurance
Jevco
Pafco
Pembridge
Perth
SGI Canada
Travelers
Facility Association

Where do you get high-risk car insurance?

There are a few companies that offer high-risk insurance through an insurance broker. There also is the Facility Association which is the last option for drivers who don't qualify with any insurers.

ThinkInsure works with the top providers and can get you insured at a lower price.

Is high-risk car insurance more expensive than regular car insurance?

Yes, high-risk car insurance is more expensive than regular car insurance. It is one of the most expensive types of car insurance you can purchase. Premiums can cost 2 or 3 times more per year.

Is it possible to get cheap high-risk car insurance rates?

Unfortunately, getting low a high-risk insurance rate is difficult. You will pay a significantly more for coverage.

Since high-risk car insurance costs more comparing rates from multiple insurers is the best way to get the most affordable price. ThinkInsure works with all high-risk companies in Ontario so we can get you the best premium possible.

Will I always stay in the high-risk insurance category?

Being considered high-risk for insurance is not permanent. It can take three years or more to get out of the category. Here are some things to do to get back into regular insurance as quick as possible :

Accidents : It’s very important to re-establish a clean driving record. Drive safe, avoid at-fault accidents and claims.
Obey Road Rules : You do not want to get rated for any traffic tickets on your insurance. They can stay on your record for 3 to 6 years.
Never Drive While Drinking : Don't drive under the influence of alcohol or drugs. Impaired driving is a big no-no anytime.
Pay On Time : You don't want to have your insurance cancelled for non-payment.

Get The Best High-Risk Car Insurance Quote

Finding the most affordable high-risk car insurance is easy with ThinkInsure. Our brokers will compare rates from all the leading companies to find you the lowest premium and get you insured.

ThinkInsure is your one stop for high-risk insurance. Get quotes online or give us a call. It's quick, free and you'll save more!

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