We Can Help High-Risk Drivers
Considered a high-risk driver? Don’t worry. We work with Canada’s top high-risk auto insurance providers, giving you access to some of the most competitive rates available.
What Makes You a High-Risk Driver?
All drivers in Canada — even high-risk ones — have the right to coverage. And with the right tools, such as telematics and specialized programs, it’s possible to lower your rates over time.
Here are some common reasons drivers may be considered high-risk:
Multiple tickets – Three or more traffic violations
At-fault accidents – Two or more on your record
Missed payments – A policy cancelled due to non-payment
Serious convictions – Such as DUI or distracted driving
License suspension – Having your driver’s license suspended
Fraudulent activity – Being cancelled for providing false information
Sometimes it’s a combination — for example, one at-fault accident plus two tickets. While being under 25 or a new driver doesn’t automatically make you high-risk, it can still influence your rates.
What Can You Expect Once You’re Labeled High-Risk?
Limited options – Some companies may refuse coverage, while others could charge double or triple your previous rate.
Challenges ahead – Premiums for high-risk drivers are higher, but specialized insurers exist to provide tailored solutions.
There’s still hope – Saving on high-risk auto insurance may not be as straightforward as with standard policies, but with the right broker, it’s absolutely possible.
Frequently Asked Questions About High-Risk Auto Insurance
What is high-risk auto insurance?
High-risk auto insurance—sometimes called non-standard auto insurance—is designed for drivers who don’t qualify for coverage in the standard market. You may be considered high-risk if you have multiple tickets, at-fault accidents, DUI or distracted driving convictions, past policy cancellations due to non-payment or misrepresentation, license suspensions, or similar issues. Because insurers see these drivers as more likely to make a claim, high-risk auto insurance typically costs more than standard policies.
How much does high-risk car insurance cost?
Premiums depend on your driving history and the specific reason you’ve been classified as high-risk. In most cases, high-risk insurance is significantly more expensive than standard auto insurance. Working with a broker can help you compare quotes from multiple insurers to find the most competitive option.
Will being high-risk affect my coverage?
Yes. High-risk drivers usually face coverage restrictions. For example, many insurers will not include accident forgiveness in high-risk policies.
When will my premium go down?
The high-risk label isn’t permanent. Infractions eventually come off your record, which can help reduce your rates:
- Tickets (including DUIs): stay on record for 3 years
- Suspensions: remain for 3 years after the suspension ends
- Policy cancellations: remain for 3 years
- At-fault accidents: usually remain for 6 years
By practicing safe driving and avoiding new tickets or accidents, you can return to the standard market sooner and access lower rates again.