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The best way for high-risk drivers to get car insurance
Quick summary:
- High-risk drivers face higher premiums but can secure coverage through specialized providers like Pafco, Jevco, or the Facility Association.
- Reviewing your driving record and comparing quotes from multiple insurers can help you find the best coverage at a reasonable rate.
- Defensive driving courses, safer vehicle choices, and higher deductibles are effective ways to lower premiums over time.
This article has been updated from a previous version.
If you have been in a collision, have a number of traffic infractions, or a combination of the two, you may be classified as a high-risk driver.
A spotty driving record can make it difficult for anyone to get an affordable car insurance rate. Not only should you expect to pay more for car insurance, but you may also have a tough time finding a standard company that will insure you.
The best way for high-risk drivers to get car insurance is to compare quotes from multiple providers. Focus on finding a policy that meets legal requirements and provides enough protection. At the same time, work on improving your driving record to lower premiums over time.
What is a high-risk driver?
A high-risk driver is someone an insurance company considers to have a higher-than-average likelihood of filing a claim.
For example, if you have an impaired driving conviction, speeding conviction, been involved in at-fault collisions, or had your policy cancelled, you may be considered a high-risk driver.
If you’re classified as “high risk”, a standard insurance company may decline to provide you with coverage. However, the insurance industry cannot deny you access to basic auto insurance, as it’s illegal to drive without it in Canada. To legally drive, you’ll need to obtain at least basic coverage.
Fortunately, there are several insurance companies that deal exclusively with high-risk drivers, such as:
- Pafco, Jevco (Kingsway)
- Coachman Insurance
- Facility Association
If you don’t have any luck with the first two companies, you can go to the Facility Association as a last resort. The Facility Association is an insurance pool supported by all auto insurance providers. It offers high-risk drivers the chance to obtain car insurance and work toward improving their driving record by avoiding collisions and traffic violations.
Learn more: How a car accident affects your insurance premium
How do I get a copy of my driving history?
Chances are you weren’t always considered a high-risk driver. For instance, you might have been classified as high-risk after receiving two impaired driving convictions within a year.
Before searching for high-risk car insurance, it’s a good idea to review your driving record or abstract. This document contains your complete driving history and can provide some insight into why your auto insurance premium is what it is.
In Ontario, there are different types of driving records you can access, though some restrictions and fees may be applicable. For instance, you can request an uncertified copy of your driver’s licence history upon completing a driving education course for $12 through ServiceOntario. Certified copies, which include a seal for legal purposes, cost $18.
In other provinces like Alberta, drivers can request a standard driver abstract online using a verified MyAlberta Digital ID, or by submitting an application to ServiceAlberta. It costs $23.10 for Albertans to obtain their personal driver abstract.
Related: What happens to your insurance when you get two traffic tickets in one stop?
How to find auto insurance as a high-risk driver
Though high-risk drivers may have higher insurance premiums overall, rates can still vary considerably from one insurance company to another.
Each company has its own criteria for assessing high-risk drivers, so it’s worth exploring your options to find a policy that meets your needs at a reasonable rate.
When shopping for high-risk insurance, make sure you’re comparing “apples to apples”, by verifying that the coverage levels are similar across quotes. If one policy’s premium is a lot lower than others, contact the provider to make sure the coverage being offered is comparable and adequate.
For high-risk drivers—especially those with serious at-fault collisions or multiple infractions—the last thing you want to be is underinsured. Prioritize finding a policy that offers sufficient protection, even if it means paying a slightly higher premium.
Read next: What is pay-as-you-go insurance?
How can a high-risk driver reduce their car insurance premium?
If you’ve been classified as a high-risk driver, there are several steps you can take to potentially lower your car insurance premium:
Take a defensive driving course
Enroll in a defensive driving or a safe driving program recognized by your insurance company. It may result in a discount on your premium.
Choose the right vehicle
The type of car you drive can significantly make a difference to your premiums. Many insurance providers offer lower rates for vehicles with anti-theft devices and safety features. Be sure to let your provider know what loss prevention features your vehicle has.
Additionally, consider driving a vehicle that is less likely to get stolen, or one with recognized safety awards.
The Canadian Loss Experience Automobile Rating (CLEAR) system evaluates vehicles based on theft risk, safety features, and repair costs, which can influence your premium.
Increase your deductible
Another thing to consider is increasing your deductible. For example, if your deductible is $1,000 and you make a claim for $3,000, your insurer will only pay a maximum of $2,000.
By opting for a higher deductible, you’ll reduce the amount your insurance provider has to pay out, and they’ll likely reward you by reducing your premium. But be sure you can afford that arrangement. If you need to file a claim, you’ll be responsible for paying a larger portion of the bill to repair your vehicle.
Related: Thinking of upgrading to a 2024 Dodge Ram? Prepare to pay 408% more for comprehensive insurance
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Liam Lahey, Freelance writer
Liam Lahey is a versatile marketer with experience as a staff and freelance writer for many business and technology publications and newspapers. He previously worked as the editor and media spokesperson for Rates.ca, handling home, auto, and travel insurance topics.
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