Are you a high-risk driver looking for car insurance in Ontario? Have you had some bad luck with tickets, accidents, traffic convictions or payment issues?
We understand that it's challenging when you need to get high-risk auto insurance. High-risk drivers pay higher rates and it's difficult to find a provider that will insure you. Don't worry, we can help you!
ThinkInsure has been a leading high-risk insurance broker in Canada for over 45 years. We partner with over 50 insurers including all of the high-risk insurance companies in Ontario.
We specialize in high-risk auto insurance and finding the best rates and coverage. We have helped thousands of high-risk drivers get insured when others wouldn't.
There is no need to go anywhere else if you need high-risk car insurance! Compare free quotes online or call one of our high-risk insurance brokers at 1-855-550-5515. We'll answer any questions you have and get you the most affordable policy.
High-risk auto insurance is a type of coverage for drivers who are considered a higher-risk by insurance providers. This is also referred to it as non-standard auto insurance coverage. You may need to get high-risk car insurance if you have a bad driving record. This includes too many tickets, too many at-fault accidents, insurance policy cancellations or payment issues.
Since insurers see these types of drivers as a higher-risk. They are either not willing to insurance them or will provide coverage at a more expensive premium. Every insurer has different criteria for what makes a driver qualify high-risk car insurance. There are high-risk insurance companies that specialize in high risk-driver or non-standard auto insurance.
The average cost of high-risk auto insurance in Ontario can be much more than the cost for a regular policy. In many cases, a high-risk driver can expect premiums to double or triple compared to regular coverage.
Average rates range between $2,500 to $5,000 or more per year depending on the insurance company and the reasons you are a high-risk.
Wondering if you need high-risk auto insurance? The rules and factors are different in every province. In Ontario there are many driving and non-driving factors why you may need it.
Here are the common reasons you are considered a high-risk driver :
The amount of time you are considered a high-risk driver varies depending on the reasons you are a high-risk and the insurer. It can take one to three years depending on when tickets or convictions fall off your record.
It can also be based on how long it has been since you had an accident or missed an insurance payment. All companies have different rules for how long you will stay the high-risk auto insurance category.
You will eventually see your rates lower and return to regular coverage if you maintain a good driving record. We help thousands of high-risk drivers get back to regular insurance and lower premiums.
Speak with a ThinkInsure broker to learn more about high-risk car insurance options and how long you may need it.
It's frustrating being labeled a high-risk driver and paying more for your insurance. .
Here are some tips to help you save :
Get your high-risk insurance questions answered :
There are many high-risk insurance companies with cheap rates. It depends on your driving record, insurance history and some other factors. The best way to find the cheapest price is to compare quotes from multiple insurers.
ThinkInsure is partners with all of the high-risk insurance companies in Ontario so we can get you the lowest rates.
There are many options for high-risk car insurance. Here are the top high-risk insurance companies in Canada :
Find the best high-risk insurance company by comparing quotes online or speak with a ThinkInsure broker.
There are a few insurance companies that offer high-risk insurance through an insurance broker. ThinkInsure specializes in high-risk auto insurance and our brokers can compare quotes from all Ontario high-risk car insurance companies to get lowest price.
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.