Ontario's Best High Risk Auto Insurance Rates And Coverage
Save On High Risk Insurance With ThinkInsure
Do you need high risk auto insurance in Ontario? Have you just gone through the unfortunate experience of having your regular car insurance policy cancelled? Sometimes, bad luck with tickets, at-fault accidents, traffic convictions and payment issues can impact on your insurance record resulting in your insurer labeling you as needing high risk insurance. You need an Ontario high risk insurance broker on your side that can get you coverage!
We can help you get the best high risk insurance in Ontario. Getting coverage for high risk drivers is quick and easy. Speak with a broker today.
Get High Risk Insurance In Ontario
If you are faced with the need to get high risk insurance, ThinkInsure can help. We have the best high risk insurance policy options. Rather than turn you away when you need the help of insurance professional the most, our brokers will work with you to explore your options for high risk insurance in Ontario.
Working with all the best high risk insurance companies in Ontario, we can help you compare the lowest rates and can get a quote for high risk auto insurance.
Want the cheapest high risk insurance? You'll save the most when you compare quotes from all high risk auto insurance companies. Our brokers will quickly get you high risk coverage at the best rate so you can get back to driving.
Ontario's Leading High Risk Insurance Broker
Our Brokers Are Experts In High Risk Insurance Coverage
ThinkInsure is the leading provider of high risk insurance in Canada. We help hundreds of customers get high risk auto insurance in Ontario every month.
Ontario High Risk Insurance Reviews
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Here are just a few reasons how we can help you with your high risk car insurance needs :
- Compare Quotes From All Ontario High Risk Auto Insurance Companies : We can offer you the best high risk insurance solutions, cheapest quotes and best coverage options from all Ontario providers. So there is no need to shop anywhere else.
- We'll Help Get You Affordable Coverage : We specialize in insurance coverage for high risk drivers. We are partners with all the top high risk insurance companies in Ontario. So you will be able to find a policy and get back on the road.
- Improve Your Driving And Insurance History : Our brokers are experts in high risk auto insurance and can help advise you on ways to get back into more affordable rates, beginning with non-standard insurance coverage.
- Shop And Compare Quotes On Renewal : At policy renewal time, our brokers will shop and compare quotes to get you a better rate for non-standard auto insurance coverage. We can get you the best rates because we partner with all high risk insurance companies in Ontario.
- Expert High Risk Advice And Service : Our team of high risk car insurance brokers are highly trained experts who can help advise you on all your insurance needs and will provide top level personal service when you need it.
- Our Customers Come First : We don’t turn you away when you need us the most. Whether you need high risk auto insurance in Toronto, Ottawa, Hamilton or anywhere else in Ontario, we’re here to help you get quotes, answer your questions, assist with claims, and more!
“ My prior insurance company cancelled my policy upon renewal because I got into a couple of accidents and had a payment issue. I couldn't get reasonable coverage anywhere. Then I called ThinkInsure and spoke with Todd. He was very understanding helped me get coverage with one of the high risk insurance companies they have. Now I'm back driving again! ”
Alex, High Risk Driver, Toronto Ontario
What Is High Risk Insurance?
Every company has different criteria for what makes a driver eligible for regular or standard car insurance coverage. Some of the factors are related to driving history while others are non-driving related.
They consider drivers high risk when they are identified as having a greater likelihood than other drivers of being in an at-fault accident. Simply put – insurers see you as a riskier driver and are either not willing to take on the risk or will insure you at a higher rate.
High risk insurance, sometimes referred to as second chance insurance, is not something you tend to think about or research until you need it. If you’ve been labelled high risk, then it’s important to understand how this impacts your insurability.
High risk insurance is coverage that has been specifically designed for people or businesses that have been deemed to be higher risk. This means you are considered to be more likely to file a claim, default on payments, or you’ve have had some insurance issues in the past.
If you’ve been labelled high risk, don’t panic. We can help! Our brokers specialize in helping people across Ontario get high risk insurance coverage, even if you have had insurance issues in the past.
What Is High Risk Car Insurance In Ontario?
High risk auto insurance is a specific type of coverage designed for high risk drivers. Drivers are considered high risk because they have a poor driving record, too many tickets, or too many at-fault accidents. High risk car insurance has significantly higher insurance premiums.
High risk insurance companies have different criteria for what makes a driver eligible for regular or non-standard auto insurance coverage. Some of the factors are related to driving history while others are non-driving related. They consider drivers high risk when they are identified as having a greater likelihood than other drivers of being in an at-fault accident.
Simply put – if you need high risk insurance, insurers see you as a riskier driver and are either not willing to take on the risk or will insure you at a higher rate.
Get Cheap High Risk Insurance In Ontario
Auto insurance for high risk drivers is expensive. High risk insurance brokers can help you significantly. They work with insurers that specialize high risk insurance coverage and can help you get cheap coverage based on your unique driving situation.
Since ThinkInsure is an independent high risk insurance broker. We can get you unbiased coverage from all the high risk car insurance companies in Ontario. With our large selection we can get you the best coverage options, cheapest rates and best price.
If you are a high risk driver our brokers will help you quickly compare the best high risk auto insurance quotes and get you the coverage you need. Contact us today to save.
Do I Need High Risk Driver Insurance In Ontario?
It all depends how you are classified by insurers. The fastest way to find out is to speak with your insurance provider or broker. If you have a clean driving record, you likely won’t be classified as high risk. But, if you have multiple at fault accidents and tickets on your record, you could be a high risk.
If this is the case, working with a high risk auto insurance broker in Ontario is your best option to help you keep your rates as low as possible, given the circumstances.
What Are The Reasons I May Need High Risk Insurance?
There are many reasons why you could be labelled high risk by your insurance company. Here are some of the most common :
- Too many at-fault insurance claims.
- Payment issues or poor credit history.
- Gaps in insurance, or you’ve never been insured in the past.
- Too many tickets, car accidents, or you’ve had your license suspended.
- You own an older home that has some issues.
- You operate a business that is considered high risk.
Find The Best High Risk Insurance In Ontario
We know that you want to get the best high risk insurance in Ontario. Being labelled high risk is a challenging situation. Finding coverage can be difficult. You’ll pay higher insurance premiums. Even though your rates have increased, our brokers will help you find the best coverage and rates for your needs.
How? We’ll work with you to find coverage with one of the top high risk insurance companies in Ontario. We have access to quotes from all high risk companies, meaning we can get you coverage, even if you’ve had a few at fault accidents, tickets, or convictions on your record.
Our Brokers Help High Risk Drivers Get Insured
Every Ontario driver needs auto insurance but sometimes getting coverage may be difficult or very expensive if providers consider you a high risk driver. This is how high risk insurance in Ontario works.
Many standard market providers have criteria for the types of drivers they will insure. If you fall outside of the standard driver criteria, they may consider you a high risk driver and you will need to find a provider that specializes in high risk insurance.
Being classified or labelled as a high risk driver can be very stressful and expensive when you need to get coverage. There is hope, though. There are insurers and brokers who specialize in high risk car insurance and can help you get immediate coverage and get back into standard, more affordable insurance in the future. ThinkInsure is one of them.
We can help you get cheap high risk auto insurance, allowing you to get back behind the wheel.
How To Get High Risk Auto Insurance In Ontario
If you discover that you need high risk auto insurance in Ontario, one of your best strategies is to connect with high risk insurance broker.
At ThinkInsure, our brokers have access to all the companies that specialize in the high risk auto insurance in Ontario. So we can get you quotes from all of them and help you to compare. This will help you get the best price and coverage, given your current situation.
To get the most accurate quote please have the following :
1) Your Ontario drivers license number
2) Your vehicle information and VIN
3) Your insurance history
You can compare quotes using these simple steps :
Start Your High Risk Quote
Start your online high risk auto insurance quote.Start
Tell Us About Yourself And Vehicle
Enter information about your driving history and your vehicle.
Compare All High Risk Quotes
Compare quotes from all Ontario high risk insurance companies.
Choose The Cheapest Quote
Choose the lowest quote. Confirm the details with us and purchase your policy.
Coverage From All The Best High Risk Insurance Companies In Ontario
Want to know the good companies for high risk auto insurance? We work with the best high risk insurance companies in Ontario. So we can help you get coverage despite your previous issues at the cheapest rates.
When it comes to non-standard car insurance, we are your best option.
Compare High Risk Auto Insurance Quotes Online
Save on high risk auto insurance.
- Compare quotes from all high risk auto insurance companies
- We help high risk drivers get coverage and save
- We can help you get back to regular car insurance
High Risk Savings TipCall and speak with a high risk car insurance expert to save more!
What Is The Average Cost Of High Risk Auto Insurance?
The average cost of high risk auto insurance in Ontario depends on a number of factors.
First, it will depend on standard factors used to determine rates such as your age, gender, vehicle, location, and your insurance history before you were considered a high risk driver.
Second, the average cost of high risk auto insurance rates will depend on the reason why you are considered high risk. Some of the reasons include too many accident claims, traffic tickets, high risk vehicle, a lapse in coverage and payment issues.
The average cost of high risk auto insurance will be greater than the average cost of regular car insurance in Ontario. In many cases, you can expect your rates to double or even triple. Average high risk auto insurance rates can range between $2,000 to $4,500 or more per year.
What Driving Factors Make You A High Risk Driver?
High risk car insurance is expensive. This is a reason why you should avoid dangerous driving habits. Here are common driving factors that can quickly get you classified as a high risk driver :
Speeding Tickets And Traffic Violations
How many speeding tickets or other driving convictions (not including parking tickets) did you have in the last 3 years? If you have accumulated more than a few, insurers may view you as a high risk driver. Speeding tickets can affect insurance coverage and are one of the most common reasons for drivers to need high risk auto insurance coverage.
Whether you have minor or major traffic infractions or have even been criminally convicted, our brokers can work with you to get a quote and explore your options.
Learn more about the impact of tickets on car insurance.
Impaired driving is a serious offence, and it goes without saying that 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 (driving while under the influence of alcohol or drugs)? If so, many insurers may not be willing to provide you with insurance coverage, and you will need DUI insurance.
The truth is that it can be a challenge to get coverage once you’ve been convicted of a DUI. Keep in mind that a conviction stays on your record for 3 years, meaning that you’ll need high risk auto insurance during this time.
While many providers won’t offer you coverage, our high risk brokers will work with you to get a quote and help you on your path to becoming a safe, responsible and insured driver, once again.
Do you have any previous at-fault accidents? You could be considered high risk. You could even have your insurance cancelled or your insurer could choose not to renew your policy. If you are in this situation, our brokers are here to help.
We understand that accidents happen – and sometimes they happen more frequently than you would like. If you’ve had multiple claims because of at-fault accidents, contact us today to get a high risk car insurance quote.
Careless Driving Or Stunt Driving
Have issues because of a careless driving or stunt driving ticket? ThinkInsure can help you get high risk insurance quotes. Even though getting affordable insurance can be a challenge, we’ll explore your options and help you get the cheapest rates possible, considering your driving record.
Remember, a conviction for careless driving stays on your record for 3 years – meaning you’ll likely need high risk car insurance during this time.
You Drive A High Risk Vehicle
The vehicle you drive could move you into the high risk insurance category. Owning an exotic car, expensive sports car, or even a vehicle that is on the most stolen list could require you to have high risk auto insurance coverage.
Non-Driving Factors That Can Make You Need High Risk Insurance
It’s not just your driving habits that can get you in trouble and in need of high risk auto insurance. Here are some other often overlooked factors that can hurt your credibility as a driver :
Insurance Payment And Cancellation History
We understand that people fall on financial hardships and most often it is out of our hands and without notice. These situations could make it difficult for you to pay your bills, including your insurance premium, on time.
Do you have credit history faults such as previous non-payment of premiums or was your car insurance cancelled for non payment? Standard insurers don’t favor people who miss their payments or cancel policies frequently.
Whether you’ve had a few late payments, missed some payments or have your provider that choose to not renew your policy because of payment issues, our experts will help you explore your options, even if you require high risk auto insurance coverage.
You’ve Had A Lapse In Coverage
Insurance providers like drivers who have long histories of continuous insurance coverage. Having a lapse in coverage will cause most insurers to take a second look and potentially consider you high risk. Whether you’ve had a lapse in coverage because you didn’t have a vehicle for a period of time, you lost your license or were convicted of a driving offense, we can help you explore your best high risk auto insurance options.
You’ve Never Had Insurance Before
Is this your first auto insurance policy? Providers may consider you a higher risk because you don’t have any prior insurance history. While this may not seem fair, if you are a new driver or you’ve never been insured before, you are deemed to be a higher risk them. New drivers and teen drivers tend to have less experience, which makes them more prone to mistakes and claims.
You’re A New Driver
New drivers have very little experience. This makes it more likely you will be involved in an accident. This increases the risk taken on by insurers if they issue you a policy.
Where Is Ontario High Risk Auto Insurance Most Common?
While you could be living anywhere in Ontario and be labelled a high risk driver, this type of insurance is more common in large cities such as Toronto, Ottawa, Mississauga and other areas in the great Toronto area. These are also some of the regions with the highest insurance rates in the province.
Why are these areas, especially the Greater Toronto Area, more prone to high risk car insurance coverage needs?
- There is more traffic and more cars on the road.
- There are more accidents.
- Highway driving is more common.
- Vehicle theft, damage, and vandalism is more likely in these areas.
- Poor winter driving conditions.
High Risk Insurance In Toronto
There is a strong need for high risk auto insurance in Toronto for many reasons. The city has some of the highest insurance rates in Canada, there is significant traffic, highway driving is common, and insurance fraud is a concern. Toronto and the GTA have one of the highest accident frequency rates in Ontario. All of these factors can increase the risk factor for drivers.
Our high risk auto insurance brokers in Toronto can help you quickly compare quotes and save.
High Risk Insurance In Hamilton
Located in the Golden Horseshoe, Hamilton is a highly populated area with a number of major highways running through the city – Highway 403, QEW, Lincoln Memorial Parkway. The city has a relatively high frequency of traffic accidents.
If you need high risk auto insurance in Hamilton, contact our brokers to get a quote.
High Risk Insurance In Mississauga
Mississauga is known as a high traffic volume city. With Pearson International Airport, Highway 401, 407, 427, and many other major road ways running through the city, there is increased risk for accidents and other driving behaviours.
If you’ve been labelled high risk, our brokers can help you get coverage in Mississauga.
High Risk Insurance In Ottawa
As the Nation’s Capital city, and Canada’s second most populated city, there are lots of cars on Ottawa roadways. Difficult winter driving conditions, traffic congestion, and insurance claims are higher than in other smaller Ontario cities. This increases the risk profile of the region.
Our brokers can help you save money by getting the best Ottawa high risk insurance quotes.
How Can I Lower My High Risk Auto Insurance Rates?
Getting high risk auto insurance is particularly frustrating and expensive. There are some things you can do to help to lower your insurance costs :
- Call A High Risk Insurance Broker : Speak with a broker and ask about things you can do to get back into ‘standard’ coverage. They are experts and work with many different types of insurers so they can help you get back into more affordable standard coverage.
- Drive An Insurance Friendly Vehicle : Drive a car that is less expensive to insure. See this list of the cheapest cars to insure.
- Compare Quotes : Compare quotes from the high risk insurance companies your broker works with to get you the most affordable rates.
How To Speed Up The Transition Out Of High Risk Auto Insurance?
High risk car insurance is much more expensive than regular car insurance. So it is important to focus some good driving and insurance habits so you can move back into much more affordable rates. Here some ways to speed up the process :
- Focus On Good Driving Habits : This includes keeping within the speed limit, driving defensively, and obeying traffic rules. If you’re ticket-free, your premium costs will be reduced. Getting another ticket while still labelled as a high risk driver could seriously hurt your ability to get coverage in the future.
- Stay Claims Free : Always be careful and pay attention when you drive. Try to stay accident free to help avoid making any claims.
- Put That Mobile Device Away : Distracted driving is now the leading cause of accidents ahead of drunk driving. Pay attention to the road and your surroundings when behind the wheel.
- Don't Drink Or Do Drugs While Driving : A conviction can double your rates, and it could cause you to have your policy cancelled.
- Be Consistent With Your Insurance : Make your payments on time and keep your policy information up-to-date.
Call us toll-free 1-855-550-5515 and a ThinkInsure broker can help answer any questions you have about high risk car insurance or give you a quote.
Stats On High Risk Auto Insurance And Driving Behaviors
Drivers classified as ‘high risk’ are drivers who are more likely to be in an at-fault accident. Here are some sobering stats about high risk driving behaviors and their consequences :
- High Risk Premiums Can Double : Your insurance can more than double if you are classified as a high risk.
- Cell Phones And Distracted Driving Leads To 4 Times More Accidents : Drivers using their cell phone are four times more likely to be in a collision (source MTO website).
- Keep Your Eyes On The Road : You double your crash risk when you take your eyes off the road for more than two seconds (source MTO website).
- Drunk And Driving Kills : 18.7% of drinking related accidents resulted in fatalities in 2012 with 476 deaths.
- Strong Fines For Convicted Impaired Driving Offenses : A first time conviction will cost you $1000 minimum and your drivers license can be suspended for up to a year. When you get your license back you will need to use an ignition interlock for 1 year. Learn more about insurance for DUI.
Ontario High Risk Insurance FAQs
Here are some frequently asked questions we receive about high risk auto insurance in Ontario :
The cost of high risk car insurance in Ontario varies on many factors. It depends on your driving record, insurance history, vehicle, address and the reason you are considered high risk. High risk insurance premiums can be double or triple the average regular car insurance rates in Ontario.
High risk car insurance costs on average approximately $3,250 per year. The yearly amount can vary significantly depending on the driver and situation.
So comparing quotes with a high risk broker is the best way to determine accurate high risk insurance costs.
The best companies that offer high risk auto insurance in Ontario are :
- Economical (formerly Perth)
We can compare quotes will all high risk insurance companies to get you the lowest rate.
ThinkInsure specializes in high risk auto insurance and can get you coverage from all high risk companies. So we’ll ensure you get the cheapest high risk auto insurance rates in Ontario. Speak with one of our friendly brokers to get cheap coverage.
Yes. High risk insurance is considerably more expensive than traditional insurance coverage for vehicles and homes. 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.
Finding cheap high risk auto insurance can be a challenge. Many insurers do not offer high risk policies to drivers. Working with an insurance broker specializing in high risk car insurance is your best option to find cheap rates.
The length of time you will be required to have high risk auto insurance depends on the severity of your situation. If you have a few minor tickets, as soon as your oldest ticket is removed from your driving record (3 years) you could move back into standard coverage.
For major traffic offenses, you could require high risk for 5 years or more. Every situation is different.
ThinkInsure is your best option to get car insurance if you’ve been labelled a high risk driver. We don’t turn drivers away in their time of need. We help you get coverage. We have access to coverage from all high risk insurance companies in Ontario.
Yes. At ThinkInsure you can get an online high risk car insurance quote. Simply start your quote, enter your information and compare quotes from the top high risk companies.
Then we will help you with the process of getting a high risk auto insurance policy. You can also give us a call to compare coverage options with a broker.
No, not necessarily. If you maintain a clean driving record you can eventually be removed from the high risk classification. You will also see your rates decrease over time.
High risk insurance is a type of coverage for people who are deemed to be higher risk because of their current circumstances. For example, they may have too many traffic tickets or have filed too many claims on their home policy. The coverage is designed for individuals who have challenges getting coverage from standard insurance providers.
Getting a quote each time your policy is up for renewal gives you the best opportunity to save. It’s also important to get quotes when a ticket or infraction is removed from your driving record.
Get Cheap High Risk Auto Insurance Quotes In Ontario Today!
Few insurance providers can say they offer insurance quotes from all high risk insurance providers in Ontario.
Let our high risk insurance brokers help you get the cheapest quotes if you’ve been labelled a high risk. We’ll work with you to compare quotes and help you save.
Types Of High Risk Insurance Coverage
At ThinkInsure, we can get all types of high risk insurance coverage. Whether you need coverage for your car, home, or even your business, we can help :
Other Insurance Solutions
Car Insurance News And Articles
Nov 11, 2019: No one wants to get a traffic ticket, and when you do, one of the first things you want to know is how tickets affect your car insurance rates. Learn about the impact of traffic tickets and convictions on your insurance rates in Ontario.
Oct 23, 2019: Red light camera tickets in Ontario can cost you. Learn about red light camera tickets in Ontario, provide information about fines, costs, prevention, the impact on car insurance, and answer commonly asked questions.