Is your driving record far from perfect? For those who require specialized coverage or have had difficulty getting coverage from providers, Pafco Insurance is the way to go for high-risk auto insurance in Ontario and across Atlantic Canada.
Since 1999, they have provided drivers with specialized products and personalized customer service when needed. They offer policies for drivers with poor driving records, claims history, coverage gaps, or violations.
Get a car insurance quote with Pafco in just a couple of minutes.
Tell us a bit about yourself to get started.
Provide your driving and vehicle information.
Compare your Pafco car insurance quote with other top providers.
If you’ve had multiple collisions, licence suspensions, or had your policy cancelled for non-payment, you’ll need non-standard coverage to get you back on the road. Here is a look at what Pafco offers to support drivers:
Save money on car insurance discounts and get competitive pricing for non-standard auto policies with Pafco.
ThinkInsure is one of the top providers of Pafco insurance. Our brokers are experts in non-standard coverage. Get a free quote today!
Get StartedMultiple factors affect the cost of your auto insurance. To demonstrate this, we collected Pafco car insurance quotes from 2023 submitted on our website. Our analysis highlights that variables such as gender, age, driving habits, and location can significantly impact your premiums. These are high-risk quotes; remember, rates can be 2-3 times as much as standard coverage.
| Annually | Monthly | ||
|---|---|---|---|
| All drivers | $ 7,932 | $ 661 | |
| Gender and status | |||
| Male | $ 8,344 | $ 695 | |
| Female | $ 6,708 | $ 559 | |
| Married | $ 7,157 | $ 596 | |
| Single | $ 8,256 | $ 688 | |
| Age | |||
| Under 25 | $ 9,106 | $ 759 | |
| 26-35 | $ 6,786 | $ 566 | |
| 36-49 | $ 6,750 | $ 563 | |
| 50-64 | $ 6,899 | $ 575 | |
| 65 and over | $ 6,306 | $ 526 | |
| Driving record | |||
| 1 ticket | $ 6,746 | $ 562 | |
| 2 tickets | $ 7,797 | $ 650 | |
| 1 accident | $ 7,484 | $ 624 | |
| 1 cancellation | $ 7,455 | $ 621 | |
| 1 suspension | $ 7,422 | $ 619 | |
| Location | |||
| Toronto | $ 10,498 | $ 875 | |
| Ottawa | $ 7,470 | $ 623 | |
| Brampton | $ 9,796 | $ 816 | |
| Hamilton | $ 6,770 | $ 564 | |
| Mississauga | $ 8,786 | $ 732 | |
| London | $ 6,712 | $ 559 | |
| Kitchener | $ 6,993 | $ 583 | |
Quotes from January 1, 2023 to December 31, 2023, standard coverage, G drivers
Pafco Insurance is a specialized provider focused on meeting drivers' needs for a second chance. With Pafco, you can benefit from the following:
With Pafco you can get auto insurance in Ontario, Alberta, and the Atlantic provinces in Canada. They offer home insurance in Quebec.
Pafco Insurance offers flexible payments on a case-by-case basis. Contact your broker to see if you qualify.
You can only get home insurance with Pafco if your primary residence is in Quebec, Canada.
You can contact your broker to place a claim through Pafco. You can also call them any day and any time. Here are the phone numbers:
Whether you are a current Pafco customer or are considering making the switch, here is some helpful contact information.
Head office 27 Allstate Parkway, Suite 100 Markham, Ontario L3R 5P8
Insurance rates change over time. Here’s a brief history of approved rate changes by Pafco
| Pafco rate changes | |
|---|---|
| Approved rate change % | Renewal effective date |
| 10.53 | Mar 1, 2024 |
| 5 | Sept 8, 2022 |
| 5 | Apr 7, 2020 |
| 0 | Dec 15, 2019 |
| 1.4 | Aug 1, 2019 |
| 6 | Mar 1, 2019 |
| 0 | Sept 1, 2018 |
| 3.94 | Apr 15, 2018 |
