What Does It Mean to Be a High-Risk Driver in Ontario?
A high-risk driver is someone that an insurance company sees as more likely to file claims or be involved in accidents. This classification is based on your driving history and behavior, and it often results in higher premiums.
Common reasons you may be considered high-risk include:
- Being a new or young driver
- Having multiple minor traffic tickets
- A history of at-fault accidents
- A serious driving offense such as DUI, stunt driving, or excessive speeding
- License suspension for any reason
- Insurance policy cancellation or non-renewal by a previous provider
- Frequent claims or non-disclosure of important details
Can High-Risk Drivers Get Car Insurance in Ontario?
Yes. Even if you’ve been classified as high-risk, you can still get car insurance in Ontario. While premiums are higher than average, specialized insurers and brokers (like isure) work with multiple providers to find you coverage that meets your needs.
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How Can High-Risk Drivers Find Affordable Car Insurance in Ontario?
There’s no true “cheap” high-risk insurance—but rates vary between providers. By working with a broker, you can compare quotes across multiple insurers and find the most affordable option available.
At isure, we partner with some of Canada’s top high-risk insurance companies, giving you access to more choices than going directly to a single insurer.
What Are the Best Ways High-Risk Drivers Can Lower Insurance Premiums?
Even as a high-risk driver, you can take steps to reduce your high-risk insurance costs:
- Pay annually instead of monthly (many insurers offer a small discount).
- Drive a safer vehicle with advanced safety features.
- Install an anti-theft alarm to lower theft risk.
- Limit commuting and use your vehicle less frequently.
- Maintain a clean record going forward—safe driving pays off over time.
How Long Do Accidents and Tickets Stay On My Driving Record in Ontario?
In Ontario, most accidents, tickets, and minor convictions remain on your driving record for three years. Major convictions (like impaired driving) may stay longer. Once those violations expire, your record improves—and your insurance rates can decrease if you maintain safe driving habits.
Can My Insurance Company Cancel or Refuse To Renew My Policy if I’m High-Risk?
Yes. An insurer can choose not to renew your policy at the end of its term if you are considered too high-risk. Common reasons include:
- Too many claims within a short period
- Non-payment or repeated late payments
- Failure to disclose important information
If you have an active policy, insurers may cancel it with proper notice:
- 5 days if you’re served notice in person
- 15 days if the notice is mailed
How Do I Check My Driving Record in Ontario?
You can order your official driving record online through ServiceOntario. This record shows your tickets, suspensions, and accident history—information insurers use when determining your risk level and premiums.
How Long Will I Be Considered a High-Risk Driver in Ontario?
Most drivers are classified as high-risk for three years after their last ticket, accident, or suspension. However, if you continue to drive safely and avoid new violations, your record will improve, and you may qualify for standard insurance again.
Who Offers the Best High-Risk Auto Insurance in Ontario?
There isn’t one single “best” provider—rates vary by driver history, age, location, and vehicle. Working with a brokerage like isure ensures you have access to the widest selection of high-risk insurers, making it easier to find the coverage that fits your budget.
Final Thoughts: Getting Back on the Road
At isure, we believe that honest drivers with past mistakes deserve a second chance. Being classified as high-risk doesn’t have to define your future behind the wheel. With the right support, you can stay insured, save money, and eventually return to regular insurance rates.
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