Get the Best High-Risk Driver Quotes

What is high-risk driver car insurance? 

High-risk car insurance, also known as non-standard insurance, is for drivers with numerous convictions or at-fault accidents on their insurance records. You might have to buy high-risk insurance if your insurance company cancelled your policy due to non-payment.

Unfortunately, the high-risk label means high auto insurance rates. Insurance companies consider the probability of you being involved in a situation where you must file an unusually high claim. They, therefore, must be compensated for taking the risk of insuring you.

Who is a high-risk driver? 

In general, a high-risk driver is someone with:

• A major violation, such as speeding or a DUI conviction.
• Multiple, frequent minor violations, such as tickets or accidents.
• Multiple at-fault accidents in the past three to five years.

How much does high-risk car insurance cost in Ontario? 

To find the best high-risk driver car insurance quotes, check comparison sites like RATESDOTCA. We'll provide you with up-to-date high-risk driver insurance coverage quotes from the top insurance providers. It’s fast, simple, and comprehensive.

High-risk drivers who have difficulty finding insurance through conventional means should also consider facility insurance. It's a form of auto insurance for drivers who can't get approved for traditional insurance because they’ve been deemed too high-risk.

Facility insurance is provided through the Facility Association, created to guarantee drivers access to auto insurance. It's often referred to as the “insurer of last resort."

But the facility association doesn't insure drivers itself. It relies on three servicing carriers — RSA, Nordic (Intact company), The Co-operators, and Novex — to administer facility insurance policies and adjust claims on its behalf.

Facility insurance is only available in the six provinces and three territories the facility association serves: New Brunswick, Nova Scotia, Prince Edward Island, Newfoundland and Labrador, Ontario, Alberta, the Yukon, Northwest Territories, and Nunavut.

Another way high-risk drivers can reduce their insurance premiums is by raising their deductibles. For example, if your deductible is $1,000 and you make a claim for $3,000, your insurance provider is only responsible for paying $2,000. Opting for a higher deductible will reduce the amount your insurance provider has to pay. They'll likely reward you by lowering your premium in return.

The Financial Services Regulatory Authority of Ontario recently issued “Take-All-Comers” guidance to the auto insurance industry to prevent insurers from denying coverage to drivers who don't fit the ideal customer profile.

Specific consumer protections of the “Take-All-Comers” rule include:

• Insurers must offer the lowest rate available for each consumer's circumstances.
• Insurers must offer their customers a renewal if they continue to meet that insurer’s eligibility rules.
• Insurers must accept consumers that meet their approved underwriting.