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We’ve all seen drivers that tend to forget turn signals and others that use them by the book. The same is true for all rules of the road. It comes down to the importance each driver puts on safety. Based on statistics, insurance companies can tell who is more likely to have an accident and who to label as a high-risk driver. Aspects such as age and driving history can influence high-risk status. When assessing safe drivers, Insurance companies focus on two things:

  • At-fault accidents in the last 5 to 10 years
  • The number of moving violations, such as speeding tickets, in the last 3 to 5 years

Drivers identified as high risk can count on paying more for insurance, no matter where they live in Canada.

What a High-Risk Driver Should Expect

In Canada, auto insurance premiums vary considerably from one province to another, and on average drivers without violations will pay approximately 25% less for car insurance, compared to someone who has had 2 or more violations in the last 3 years. A driver with these extra offenses can expect to pay about 25 percent more than a driver with a clean record.  For more serious or for more repeated violations, your premium can double or triple depending on the nature of the infractions.

The price of your auto insurance premiums can also vary depending on the insurer. Your current company may tend to make you pay a higher premium if you become a high-risk driver, while another company may be more forgiving. However, with a high-risk label, a motorist may be refused coverage by new insurers. The current insurance company can also cancel a policy if a driver’s record deteriorates.

Last Resort Coverage

Since car insurance coverage is mandatory in Canada, the insurance industry as a whole must cover you if you are legally able to drive and own a vehicle. The Facility Association is an insurance industry enterprise to which all car insurance companies belong. The Association works between high-risk drivers and insurance companies to facilitate car insurance coverage. While it may sound like a life-saver for the hard-to-insure driver, premiums of $5,000 to $10,000 annually are possible, extending the price of traffic violations far beyond the fines that accompany convictions.

Reducing Car Insurance Premiums

safe driving


Rehabilitating a driving record takes time. After 3 years, speeding tickets come off the driver’s record, but it takes longer for accident records to pass.  Reviewing and adopting safe driving rules and techniques for each province will help. Some insurance companies offer usage-based programs. These require putting a small device in the insured car that monitors sudden acceleration and braking as well as the time of day during which the car is driven. It can offer immediate discounts on existing policies. Reducing optional coverage, such as collision and comprehensive clauses, can reduce premiums further, though all provinces have minimum standards of coverage that you must maintain.

Risk-free, no-obligation car insurance quotes can be obtained anonymously through QuoteFinder’s tools on this page. A high-risk driver can search through dozens of car insurance companies quickly and easily to see not only which companies will offer policies, but also what the most affordable policies will cost.

About the Author: Robert Davis

He is an insurance content professional with vast knowledge and a special aptitude and interest in imparting insurance education. He has authored many articles on insurance.

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