High-Risk Auto Insurance | Compare Cheapest Quotes & Rates

1-855-550-5515

Compare rates from Canada's trusted auto insurance providers

See all providers

Get The Lowest High-Risk Auto Insurance

Are you looking for high-risk auto insurance? Have you had some bad luck with tickets, accidents, traffic convictions or payment issues? Has your insurance company cancelled your policy?

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

We specialize in high-risk car insurance and we'll find you the cheapest quotes available. We are partners with all the high-risk auto insurance companies. That means we can get you insured for the best rate.

Compare Quotes From All High-Risk Insurance Companies
Get The Best Premiums And Savings
Quotes Are Quick And Free
You Can Get Insured Fast

No matter what kind of driving challenges you've had we've got you covered for high risk car insurance!

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, too many at-fault accidents, policy cancellations or payment issues.

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 what makes a high-risk driver. 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 auto insurance is considerably more expensive than a regular policy. A high-risk driver can expect premiums to 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.

Our Customer Reviews

Average of 4.7 out of 5 stars in 1000 Google reviews

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

See all reviews

Sandip Gahlot

2021-04-07 16:26:04

I was looking for insurance for my business and I had initially gone to my previous insurer (where my policy expired), but didn't get any response from them for my questions. When I approached ThinkInsure, I was provided a very good service by Sandy. Even though my questions might have been simple and straight forward, Sandy took time to answer them and get back to me in time. I'm very happy with the service provided by Sandy and would definitely recommend her to my colleagues. Great job Sandy.

jdgraham1975

2021-04-06 16:56:39

I had the most amazing experience getting fast and easy car insurance for a vehicle I had just financed.I spoke with the most wonderful lady named Amneet Bal based out of Markham Ontario.I had had a prior cancellation due to hard times and she said so professionally calm"don't worry,don't stress,I got this for you".Immediately I felt a sense of warmth and relief because I knew I was in good hands and in the right hands.She worked swiftly and without hesitation gathering all of my information without missing any important detail and within minutes I had 4 or 5 positive offers for me to choose from that fit my budget and that I was comfortable with.Within hours I had all the documents needed sighned,produced the funds and in no time I had proof of insurance for the dealership.I can't thank her enough for calming my nerves and speaking with me as if we were old friends in highschool.Thank-you Amneet and Thank-you Thinkinsure. James,

Kristal Moore

2021-04-01 22:11:47

Rafael Torres made my experience of getting car insurance an absolute breeze. He was super patient and understanding as this was my first time getting car insurance on my own. He answered all of my questions, and explained every detail. He got everything all set up so quickly and efficiently. I would 100% recommend Rafael Torres to friends and family if they are looking for an insurance broker. Thank you sooooo much Rafael ! 😊

Cassandra Perovich

2021-04-01 20:22:23

Amneet is Absolutely Amazing! She dealt with my issue in a timely manner (SAME DAY) very polite and accommodating. It was a pleasure working with her.

Karndeep Sandhu

2021-03-31 17:28:21

Dealt with Amneet Bal. She was very helpful and a pleasure to deal with!

Bogdan Malynovskyy

2021-03-30 23:22:19

I had to update my auto insurance, and Ryan from ThinkInsure was able to answer all of my questions, and helped me get it done quick and hassle free!

Christina Cote

2021-03-30 19:20:53

Great customer service ! The agent Todd Allen went above and beyond to get me the best price possible . Very professional and also responds to emails quickly. I definitely recommend this company to anyone ! Thank you !!

Shama Premnarine

2021-03-30 13:19:16

Hi Sandy Kerr, once again thanks for your prompt services, I really appreciate all you effort in getting me the best insurance coverage for my house.

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

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 had insurance

Tips To Get Cheaper High-Risk Auto Insurance

It's frustrating being a high-risk driver and paying more for your insurance premiums. But, there are still ways to get savings. Here are some tips to help you get a cheaper quote :

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 premiums. 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 insurance companies. 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.

Compare High-Risk Car Insurance Quotes

Find the lowest rates in a couple of minutes!

1) Begin Your Quote

Tell us a bit about yourself to get started.

2) Enter Your Driving Details

Provide your driving and vehicle information.

3) Compare Quotes

See quotes from all high-risk companies.

Choose Your Policy

Choose the lowest rate. Confirm the details with us and get insured.

Get Quotes

High-Risk Auto Insurance FAQs

Who has the cheapest high-risk auto insurance?

There are a few high-risk insurance companies you can get coverage with. They all have different rates that change frequently. The best way to find the cheapest price is to compare quotes from multiple insurers.

What is the best company for high-risk auto insurance?

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 can compare quotes from the top providers to get you insured at a lower price.

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

Yes, high-risk car insurance is more expensive than regular 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?

Unfortunately, cheap high-risk insurance does not exist. You will pay a significantly higher rate for it.

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

Will I always be considered a high-risk driver?

Being considered high-risk 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 :

Stay Accident Free : 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 A High-Risk Car Insurance Quote Now

Finding the most affordable high-risk auto 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!

Compare Quotes

Recent Blog Articles

2021-03-09

Compare High-Risk Auto Insurance Quotes

Find the best high-risk car insurance quotes from Canada's top providers and get the cheapest rate!

Get The Lowest High-Risk Auto Insurance

What Is High-Risk Auto Insurance?

How Much Does High-Risk Auto Insurance Cost?

Our Customer Reviews

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

Tips To Get Cheaper High-Risk Auto Insurance

Compare High-Risk Car Insurance Quotes

1) Begin Your Quote

2) Enter Your Driving Details

3) Compare Quotes

Choose Your Policy

High-Risk Auto Insurance FAQs

Who has the cheapest high-risk auto insurance?

What is the best company for high-risk auto insurance?

Where do you get high-risk car insurance?

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

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

Will I always be considered a high-risk driver?

Recent Blog Articles

What Will Be The Impact Of Self-driving Cars In Canada?

Defensive Driving Techniques And Tips

OPCF 43 - Waiver Of Depreciation And Replacement Value

Ontario Distracted Driving Laws, Fines And FAQs

More Ways To Save On Car Insurance

Insurance

Auto Insurance By City

Customer Service

Our Company