Compare the best high-risk auto insurance quotes for free.

Drivers are considered high-risk based on their driving behaviour and history — as well as a host of other factors that aren’t related to their behaviour on the road.

Here are driving mistakes that can land you in the high-risk category:

• Impaired driving. If you have an impaired driving conviction on your record (including cannabis use as of October 2018), it can be very difficult to get regular auto insurance. Companies may turn you down for insurance.
• Stunt driving. If you’re caught stunt driving — which can be anything from exceeding the speed limit by 50 km/h, doing donuts, acting out on your road rage or any other kind of stunt with your car — you risk getting a large fine (the first conviction carries a $2,000 fine in Ontario) or even jail time.

Other non-driving related reasons for needing high-risk insurance includes:

• A lapse in coverage. Letting your insurance lapse — meaning you neglect to renew it and therefore have a period of time where you have no coverage — may cause an insurance company to categorize you as high-risk.
• Poor payment history or insurance cancellation. If you defaulted on insurance payments or had your insurance cancelled, you may be placed in the high-risk category.

For high-risk drivers, car insurance can be obtained via the Facility Association (with the exception of those who live in Quebec, British Columbia, Manitoba, and Saskatchewan). The Facility Association is often referred to as an insurer of last resort for high-risk drivers.

That said, some brokers also sell high-risk insurance. Here are some non-standard insurance companies that work with high-risk drivers, broken down by region:

Western Canada

The auto insurance market in the majority of Western Canada is provincially-run, meaning high-risk auto insurance in British Columbia, Saskatchewan, and Manitoba is provided by the government.

Here are some private insurance providers that offer high-risk auto insurance in Alberta:

• Perth Insurance
• Facility Association

Ontario

Given its size, population, and privatized market, it’s no surprise that Ontario has the most options for high-risk insurance. The number of insurance companies operating in the province means high-risk drivers have more of an opportunity to shop the market, compared to high-risk drivers in other provinces. These are the companies offering high-risk insurance in Ontario:

• Aviva
• Facility Association
• Travelers
• Intact Insurance
• Hagerty
• Jevco
• Perth Insurance
• Pafco
• Desjardins

Quebec

Quebec’s auto insurance system involves both public and private providers. In Quebec, public insurance covers minimum limits for bodily injury but private insurance covers property damage. As a high-risk driver in Quebec, you can buy auto insurance from these companies:

• Desjardins

Atlantic Canada

The auto insurance industry in all Atlantic provinces is fully private. High-risk auto insurance is available from these companies:

• Desjardins Insurance
• Facility Association
• Perth Insurance

There’s no such thing as cheap insurance for high-risk drivers. You can expect to pay more than the average premium if an insurance company deems you a high-risk driver. The premiums may vary based on the provider but you should expect to pay at least anywhere from 25% to 250% more than a low-risk driver.

The best way to secure high-risk car insurance is to shop around. You can use LowestRates.ca to compare high-risk insurance rates and find the best price.

The good news is you won’t be stuck paying high-risk car insurance rates forever. But it will take several years before you graduate back into regular auto insurance price territory. In most provinces, driving infractions and tickets stay on your record for three years. 

Demerit points remain on your record for longer, up to six years. While there’s nothing you can do to expedite the process, there are things you can do to be proactive, so that one day, you’ll pay lower premiums:

• Follow all traffic laws.
• Don’t stunt drive.
• Don’t get any traffic tickets: driving for three years without a ticket could eventually net you a lower premium.
• Gain driving experience: consider taking a driving course.
• Never drive when you’re under the influence of drugs or alcohol.
• Be accident-free for several years (at least six or more).
• Pay your premiums on time.

You can compare quotes on LowestRates.ca from these companies offering high-risk insurance.

• Aviva
• Travelers
• Intact
• Jevco
• Desjardin

Just enter your information and in less than three minutes you’ll get the best quotes from high-risk auto insurance companies.