Compare high-risk auto insurance quotes

High-risk auto insurance, also called non-standard insurance, is a category of car insurance for drivers deemed more likely to file a claim or be involved in an accident. This type of insurance is designed to cover drivers who have either been denied by standard insurers or who pose greater risks. There are many reasons why a driver may be considered high risk, including: 

• Being convicted of serious offences, such as impaired driving.
• Receiving multiple speeding tickets.
• Being in more than one recent at-fault collision.
• Filing multiple at-fault insurance claims.
• Having a policy cancelled for non-payment.

In an ideal world, there would be no collisions or traffic tickets, and all drivers would qualify for the best car insurance rates. But accidents happen, and, correspondingly, insurance premiums rise. If you find yourself in this situation, we're here to help you find affordable car insurance.

 

In Canada, auto insurance companies in the standard market may choose not to insure drivers they deem high risk, either by not issuing a new policy or by not renewing an existing one. When this happens, drivers can usually obtain insurance coverage from non-standard insurers that specialize in high-risk drivers. However, these companies can also deny coverage.

If you find yourself in this situation, you will need the services of the Facility Association. The Facility Association guarantees coverage for eligible drivers and is often a last-resort option.

To purchase insurance from the Facility Association, you must work with a licensed broker or agent who will shop the market for you and place you with the Facility Association if no other options are available.

 

High-risk auto insurance is generally much more expensive than the average car insurance rate. Whether through the Facility Association or a specific insurance company, high-risk coverage can cost $5,000 to $20,000 more. 

As with standard car insurance, the more risk you bring as a policyholder, the greater your premiums will be. The table below shows how premiums increase with the severity of violations on a driving record. 

^{The quotes are based on a 30-year-old male in Toronto, Ontario, driving a 2023 Toyota Corolla, with $1,000 deductibles for collision and comprehensive coverage, $1,000,000 in liability coverage, and no telematics or bundling discounts.}

The sample quotes above reveal how expensive auto insurance can become with just one conviction on your driving record. The driver profile saw over a 50% increase in rates with a policy cancellation on their record. An at-fault accident pushed rates above 85%, while a careless driving conviction skyrocketed them to nearly $10,000 per year. 

Also read: What is the total cost of getting a traffic ticket in Ontario?

The actual cost you will pay for high-risk auto insurance depends on several factors, including your age, location, vehicle make and model and your driving history. Compare personalized high-risk insurance quotes today on Ratehub.ca to learn what you could be paying for coverage.