Get your online insurance quote

We provide car insurance for high risk drivers

KBD combines 40+ years of industry expertise, with a modern, easy to use insurance service.

Whether you drive an exotic vehicle, or have a few insurance claims on your record, we can help you find high risk car insurance at an affordable rate.

Comparing rates from Canada’s leading insurance companies
Intact Insurance logo
Economical logo
L'Unique General Insurance logo
Coverholder at Lloyd's logo
CFC logo
HSB logo
High risk car insurance products we provide
Collision

Collision car insurance covers you, the driver, in the event that you’re found at fault for an accident. This coverage is subject to a deductible.

Comprehensive

Subject to a deductible, comprehensive car insurance covers damages to your vehicle including fire, theft, vandalism, and glass breakage.

Liability

This type of insurance covers you for damages to a third party when you’re not at fault for the accident.

Our clients say it best.

Over 600 5-star reviews on Google.
Leah N.
“Great service, very easy and well explained procedures and information needed for insurance. Jordan was great to work with, and had excellent communication skills. 10/10 recommend.”
Shawn B.
“Greg is always making sure all my insurance needs are covered. Excellent service and very responsive.. thanks again!”
Nathan T.
“My first time ever getting insurance for a car and it was super simple. I spoke to Erika who was super nice and answered all my questions, and provided everything I needed!”
Brian B.
“Great experience. As a new to Quebec driver who just bought a car I got my insurance processed over the phone in less than 20 minutes. Very efficient, easy to understand and good coverage.”

Shop affordable high risk car insurance rates today.

High risk car insurance - FAQs

What is high risk car insurance?

So, what actually is high risk auto insurance? 

High risk car insurance is a type of auto insurance that is designed for drivers who are considered to be riskier to insure.

Examples of high risk drivers include:

  • Drivers who have a history of accidents, traffic violations, or DUI convictions
  • New drivers without a lot of experience behind the wheel
  • Drivers of performance or exotic vehicles 
  • Drivers with a history of insurance claims

High risk car insurance typically has higher premiums than standard car insurance, but it’s a necessary option for those who need to maintain legal driving privileges.

Car insurance is mandatory after all! There’s no way around it. 

Pro tip: Remember, it’s important to shop around and compare rates to find the best coverage for your needs.

Looking for high risk driver insurance?

Call us.

How long does high risk car insurance last?

The length of time that you’ll be considered a  high risk car insurance client varies. 

For instance, if you’ve been deemed high risk due to a recent traffic violation or accident, you may need to carry high risk insurance for a few years until those incidents drop off your driving record. 

Here are a few other factors that can affect the length of time that you’ll be in the high risk driver category: 

  • Cancellation due to non-payment 
  • A history of lapses in insurance coverage 

Always shop around and compare rates to find the best coverage for your needs, regardless of how long you need high risk insurance.

Looking for a high risk car insurance quote?

Call us.

How do you find high risk insurance companies to work with?

As a high risk car insurance client, your risk profile won’t be appealing to some insurance companies. 

Simply put, they won’t want to insure you. 

But there’s still hope. 

Here are three insurance companies that offer high risk car insurance:

  • Economical: KBD works with Economical through their Specialty Solutions program to offer high risk car insurance to clients in this category. 
  • Desjardins
  • Echelon

Plus, here are a few strategies to get the best high risk car insurance for you. 

  • Do your research and compare multiple high risk car insurance quotes
  • Consider working with an insurance broker who can provide guidance 
  • Take steps to improve your driving record 
  • Consider opting for a higher deductible 
  • Install anti-theft devices to help reduce your premiums.

Remember that while finding car insurance quotes for high risk drivers may be more challenging, it’s still possible to find affordable coverage with the right approach.

Need a high risk car insurance quote?

Call us.

Who do auto insurance companies see as the highest risk?

Auto insurance companies consider several factors when assessing risk.

Some of the most common high-risk indicators include drivers with a history of accidents, traffic violations, or convictions. 

Here are a few more factors that can affect your risk profile:

  • Young or inexperienced drivers
  • Drivers of high-performance or exotic vehicles
  • Drivers with poor credit history or a history of lapses in insurance coverage 

Remember: Insurance companies use a variety of rating factors to determine if you’re a high risk auto insurance client. 

The best way to keep out of the high risk auto insurance market is to drive responsibly, and avoid insurance claims. 

Call us.

How much is car insurance for high risk drivers?

High risk car insurance can be more expensive than standard car insurance, but the exact cost will depend on a variety of factors.

The cost of car insurance for high-risk drivers varies widely depending on things like:

  • Age and driving experience: Younger drivers and those with a limited driving history are considered riskier to insure.
  • Driving record: If a driver has a history of accidents, traffic violations, or DUI convictions, they may be classified as high-risk.
  • Type of car: High-performance or luxury vehicles may be more expensive to insure.
  • Coverage limits: Higher coverage limits typically come with higher premiums.
  • Location: Rates can vary depending on where the driver lives and drives.
  • Insurance company: Each insurance company has its own risk assessment formula and pricing structure.

High risk car insurance can be expensive. Luckily, there are still a few things that you can do to keep your premiums low. 

Read our in-depth guide on how to lower your high risk car insurance premiums if you’re considered “risky” in the eyes of insurance companies. 

Need a high risk car insurance quote? We can help. 

Call us.

How to get cheap high risk auto insurance?

Asking yourself how you can get the cheapest high risk auto insurance?

Yeah, we don’t blame you. 

High risk car insurance is expensive. 

Having said that, if you’re looking for insurance as a high risk driver, there are a few things you can do:

  • Improve your driving record
  • Attend a defensive driving course 
  • Increase your deductible
  • Install an anti-theft device
  • Drive a safer car
  • Consult your broker about possible discounts

Ready to speak with an insurance broker?

We can help with that. 

Call us.

What is high risk car insurance?

So, what actually is high risk auto insurance? 

High risk car insurance is a type of auto insurance that is designed for drivers who are considered to be riskier to insure.

Examples of high risk drivers include:

  • Drivers who have a history of accidents, traffic violations, or DUI convictions
  • New drivers without a lot of experience behind the wheel
  • Drivers of performance or exotic vehicles 
  • Drivers with a history of insurance claims

High risk car insurance typically has higher premiums than standard car insurance, but it’s a necessary option for those who need to maintain legal driving privileges.

Car insurance is mandatory after all! There’s no way around it. 

Pro tip: Remember, it’s important to shop around and compare rates to find the best coverage for your needs.

Looking for high risk driver insurance?

Call us.

Who do auto insurance companies see as the highest risk?

Auto insurance companies consider several factors when assessing risk.

Some of the most common high-risk indicators include drivers with a history of accidents, traffic violations, or convictions. 

Here are a few more factors that can affect your risk profile:

  • Young or inexperienced drivers
  • Drivers of high-performance or exotic vehicles
  • Drivers with poor credit history or a history of lapses in insurance coverage 

Remember: Insurance companies use a variety of rating factors to determine if you’re a high risk auto insurance client. 

The best way to keep out of the high risk auto insurance market is to drive responsibly, and avoid insurance claims. 

Call us.

How long does high risk car insurance last?

The length of time that you’ll be considered a  high risk car insurance client varies. 

For instance, if you’ve been deemed high risk due to a recent traffic violation or accident, you may need to carry high risk insurance for a few years until those incidents drop off your driving record. 

Here are a few other factors that can affect the length of time that you’ll be in the high risk driver category: 

  • Cancellation due to non-payment 
  • A history of lapses in insurance coverage 

Always shop around and compare rates to find the best coverage for your needs, regardless of how long you need high risk insurance.

Looking for a high risk car insurance quote?

Call us.

How much is car insurance for high risk drivers?

High risk car insurance can be more expensive than standard car insurance, but the exact cost will depend on a variety of factors.

The cost of car insurance for high-risk drivers varies widely depending on things like:

  • Age and driving experience: Younger drivers and those with a limited driving history are considered riskier to insure.
  • Driving record: If a driver has a history of accidents, traffic violations, or DUI convictions, they may be classified as high-risk.
  • Type of car: High-performance or luxury vehicles may be more expensive to insure.
  • Coverage limits: Higher coverage limits typically come with higher premiums.
  • Location: Rates can vary depending on where the driver lives and drives.
  • Insurance company: Each insurance company has its own risk assessment formula and pricing structure.

High risk car insurance can be expensive. Luckily, there are still a few things that you can do to keep your premiums low. 

Read our in-depth guide on how to lower your high risk car insurance premiums if you’re considered “risky” in the eyes of insurance companies. 

Need a high risk car insurance quote? We can help. 

Call us.

How do you find high risk insurance companies to work with?

As a high risk car insurance client, your risk profile won’t be appealing to some insurance companies. 

Simply put, they won’t want to insure you. 

But there’s still hope. 

Here are three insurance companies that offer high risk car insurance:

  • Economical: KBD works with Economical through their Specialty Solutions program to offer high risk car insurance to clients in this category. 
  • Desjardins
  • Echelon

Plus, here are a few strategies to get the best high risk car insurance for you. 

  • Do your research and compare multiple high risk car insurance quotes
  • Consider working with an insurance broker who can provide guidance 
  • Take steps to improve your driving record 
  • Consider opting for a higher deductible 
  • Install anti-theft devices to help reduce your premiums.

Remember that while finding car insurance quotes for high risk drivers may be more challenging, it’s still possible to find affordable coverage with the right approach.

Need a high risk car insurance quote?

Call us.

How to get cheap high risk auto insurance?

Asking yourself how you can get the cheapest high risk auto insurance?

Yeah, we don’t blame you. 

High risk car insurance is expensive. 

Having said that, if you’re looking for insurance as a high risk driver, there are a few things you can do:

  • Improve your driving record
  • Attend a defensive driving course 
  • Increase your deductible
  • Install an anti-theft device
  • Drive a safer car
  • Consult your broker about possible discounts

Ready to speak with an insurance broker?

We can help with that. 

Call us.

Find affordable high risk car insurance in your area

High risk car insurance by province