If you are considered a high-risk driver in Ontario, you may face challenges in obtaining car insurance. High-risk drivers are typically those who have a history of traffic violations, accidents, or other driving-related offenses that may make them more likely to file a claim. Some insurance companies may refuse to provide coverage to high-risk drivers, while others may charge significantly higher premiums.

However, in Ontario, all insurance companies are required to provide coverage to drivers, including high-risk drivers. The province has a system called the Facility Association, which is a not-for-profit organization that ensures that all drivers in Ontario have access to car insurance, even if they have been deemed high-risk. Insurance companies are required to participate in the Facility Association and provide insurance coverage to high-risk drivers.

If you are a high-risk driver, you may need to obtain insurance through the Facility Association, which will assign an insurance company to you. The premiums for high-risk drivers may be significantly higher than those for drivers with a clean driving record, but they will still be affordable.

To improve your chances of getting affordable car insurance as a high-risk driver in Ontario, you can take steps to improve your driving record. This may include taking a defensive driving course, avoiding traffic violations, and maintaining a good credit score. Additionally, you can shop around for insurance providers and compare rates to find the most affordable option for your specific circumstances.

High-Risk Car Insurance monthly payments in Ontario

The cost of high-risk car insurance in Ontario can vary widely depending on a number of factors, including the driver’s age, gender, driving record, and the make and model of the vehicle being insured. High-risk drivers can generally expect to pay higher premiums than drivers with a clean driving record.

However, since insurance rates are specific to individual circumstances, it’s difficult to provide an accurate estimate without knowing more about the driver’s specific situation. That being said, here are some example rates for high-risk drivers in Ontario:

1. A 25-year-old male with a history of traffic violations and accidents who drives a sports car may pay around $5,000 to $8,000 per year for car insurance.
2. A 45-year-old female with a history of multiple at-fault accidents who drives a sedan may pay around $3,500 to $6,000 per year for car insurance.
3. A 30-year-old driver with a DUI conviction who drives a high-performance car may pay around $10,000 to $15,000 per year for car insurance.
4. A 20-year-old male driver with a few speeding tickets and an at-fault accident on his driving record, driving a small car, may pay around $350 to $500 per month, or $4,200 to $6,000 per year for car insurance.
5. A 30-year-old female driver with a DUI conviction, driving a midsize SUV, may pay around $500 to $700 per month, or $6,000 to $8,400 per year for car insurance.
6. A 45-year-old male driver with multiple at-fault accidents and a history of driving without insurance, driving a luxury car, may pay around $1,200 to $1,500 per month, or $14,400 to $18,000 per year for car insurance.
7. A 25-year-old female driver with a few speeding tickets and an at-fault accident on her driving record, driving a compact car, may pay around $300 to $450 per month, or $3,600 to $5,400 per year for car insurance.
8. A 40-year-old male driver with a history of driving under suspension and a few minor at-fault accidents, driving a midsize sedan, may pay around $600 to $800 per month, or $7,200 to $9,600 per year for car insurance.
9. A 50-year-old female driver with a history of multiple DUI convictions, driving a luxury SUV, may pay around $1,500 to $2,000 per month, or $18,000 to $24,000 per year for car insurance.

Keep in mind that these are just examples and your actual premiums may be higher or lower depending on your specific situation. It’s always best to shop around and compare rates from multiple insurance providers to find the best coverage at the most affordable price. Additionally, some insurance providers offer discounts for taking driving courses or maintaining a good credit score, which may help offset the higher costs of high-risk insurance.

High-Risk Car Insurance Companies in Ontario

High-risk car insurance companies in Ontario, along with a brief description of each one:

1. Intact Insurance: Intact is one of the largest car insurance providers in Canada and offers coverage for high-risk drivers through its subsidiary, Jevco Insurance Company. Jevco specializes in providing insurance for drivers who have difficulty obtaining coverage elsewhere.
2. Facility Association: The Facility Association is a non-profit organization that ensures all drivers in Ontario have access to car insurance, including high-risk drivers who may have been turned down by other insurance companies. Insurance companies are required to participate in the Facility Association and provide coverage to high-risk drivers.
3. Jevco Insurance Company: Jevco is a subsidiary of Intact Insurance and specializes in providing insurance for high-risk drivers. They offer coverage to drivers who may have a poor driving record or have been turned down by other insurance companies.
4. Coachman Insurance Company: Coachman is a specialty insurance company that provides coverage to high-risk drivers, including those with a history of accidents or traffic violations.
5. Echelon Insurance: Echelon specializes in providing insurance to high-risk drivers, including those with multiple accidents or tickets on their driving record.
6. Pafco Insurance: Pafco is a subsidiary of Allstate Insurance and offers coverage to high-risk drivers who may have been turned down by other insurance companies. They specialize in providing coverage to drivers with a poor driving record or a history of accidents.
7. Perth Insurance: Perth Insurance is a subsidiary of Economical Insurance and provides coverage for high-risk drivers who may have difficulty obtaining insurance elsewhere. They specialize in providing coverage to drivers with a history of accidents or traffic violations.
8. Wawanesa Insurance: Wawanesa Insurance provides coverage for high-risk drivers, including those with a history of accidents, tickets, or DUI convictions. They offer flexible payment options and may be a good choice for drivers who are looking for more affordable coverage.
9. Allstate Insurance: Allstate Insurance is a well-known insurance company that provides coverage for high-risk drivers who may have difficulty obtaining insurance elsewhere. They offer a variety of coverage options, including liability, collision, and comprehensive coverage.
10. RSA Insurance: RSA Insurance provides coverage for high-risk drivers who may have a history of accidents or traffic violations. They offer a variety of coverage options and may be a good choice for drivers who are looking for more flexible payment options.

It’s important to note that the availability and pricing of high-risk car insurance can vary widely depending on individual circumstances and the specific insurance company. As a result, it’s important to shop around and compare rates from multiple insurers to find the most affordable coverage for your needs.

How to get cheap insurance for high-risk drivers

Getting cheap insurance as a high-risk driver in Ontario can be challenging, but there are a few tips you can follow to help lower your premiums:

1. Improve your driving record: One of the most effective ways to lower your premiums as a high-risk driver is to improve your driving record. This may include taking a defensive driving course, avoiding traffic violations, and maintaining a clean driving record over time.
2. Consider a higher deductible: Choosing a higher deductible can help lower your premiums, but it also means you’ll be responsible for paying more out-of-pocket if you need to file a claim. However, if you’re a high-risk driver, you may find that a higher deductible is more affordable than a lower one.
3. Shop around: Insurance companies use different methods to assess risk, so rates can vary widely between providers. Shopping around and comparing rates from multiple insurers can help you find the most affordable coverage for your needs.
4. Look for discounts: Some insurance companies offer discounts for high-risk drivers who take a defensive driving course, maintain a good credit score, or bundle multiple insurance policies with the same provider.
5. Drive a lower-risk car: The make and model of your car can affect your insurance premiums. Choosing a car that is considered lower-risk by insurers, such as a family sedan, may help lower your premiums.

Keep in mind that as a high-risk driver, your premiums are likely to be higher than those of a driver with a clean record. However, by following these tips and taking steps to improve your driving record, you may be able to lower your premiums and find more affordable coverage.