Whether you drive a high performance vehicle, or you have a history of insurance claims, we can help find you the right high risk coverage at an affordable rate.
We insure high risk drivers by working with insurance companies’ specialty programs
KBD is an Ontario car insurance broker bringing you 40+ years of industry expertise.
We provide specialty car insurance to high risk drivers and vehicles that require high risk coverage, through a modern, seamless customer experience.
We compare rates from leading Canadian insurance companies
High risk car insurance products we provide in Ontario
Collision
Collision car insurance covers you for accidents in which you’re found to be the primary cause of the damage. This coverage is subject to a deductible.
Comprehensive
Subject to a deductible, comprehensive car insurance provides coverage for damages related to fire, theft, vandalism, and glass breakage.
Liability
In Ontario, drivers are required to carry a minimum of $200k in third party liability insurance. This covers you for non-responsible accidents.
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Need a high risk car insurance quote? Call us today.
High risk car insurance Ontario - FAQs
What is high risk auto insurance?
High risk car insurance is a type of coverage designed for drivers who are considered “riskier” to insure in the eyes of insurance companies.
This can be due to factors like a history of accidents or traffic violations, or driving a high-performance vehicle.
If you’re a driver with a less-than-stellar driving record, don’t worry, you’re not alone.
High risk car insurance for Ontario drivers is available from several insurance companies, although it typically comes at a higher cost than standard coverage.
At KBD, we work with several high risk insurance companies to offer coverage to Ontario drivers.
We can shop around and compare quotes to find the best high risk auto insurance policy for your budget.
In the meantime, make sure to drive responsibly to stay in insurance companies’ good graces.
Need high risk car insurance in Ontario?
How much does high risk car insurance cost in Ontario?
The average cost of high risk car insurance in Ontario can vary depending on several factors.
Generally, high risk auto insurance is significantly more expensive than standard coverage due to the increased risk involved.
For example, the average cost of car insurance for new drivers in Ontario is anywhere from $3000 to $7000 a year.
Compared to the provincial average of $1400, that’s a pretty hefty price tag.
But it’s not just new drivers that are considered high risk.
Here are a few more factors that can put you in the high risk auto insurance category:
- A history of accidents and insurance claims
- Driving a high performance or exotic vehicle
- A history of car insurance claims
Put simply, insurance companies lose money when they have to pay out for claims. Because of this, the risk that they assume when taking on a high risk client is balanced out through higher premiums.
Need a high risk car insurance quote in Ontario?
How long are you considered a high risk driver in Ontario?
The length of time that you’re considered a high risk driver in Ontario can vary depending on several factors.
For example, the severity and frequency of your past driving infractions can influence this timeline.
Generally, these marks on your driving record can stay on file for two to three years, which could affect your insurance rates and the need for high risk auto insurance in Ontario.
However, working with a high risk insurance broker can help you navigate the process and find ways to improve your driving record over time.
They can also advise on the best best ways to save if you’re simply insuring a premium vehicle, for example.
Need a high risk auto insurance quote?
How far back do insurance companies look at your driving record in Ontario?
In Ontario, insurance companies look at your driving record in the past three years, and your claims record in the past six years to determine your risk level and to calculate your insurance premium.
If your driving and claims record isn’t squeaky clean, you can still get car insurance, but you may fall into the high risk insurance market.
If this is the case, you can get in touch with high risk auto insurance companies that specialize in providing coverage to drivers who have had accidents, traffic violations, or other issues that make them a greater risk to insure.
So, if you’re in this category, it’s important to shop around for high risk driver insurance to find the best rates.
We can help with that.
What is the simplest way to lower your auto insurance premium?
Want a quick and easy answer?
The simplest way to lower the cost of your car insurance is to raise your deductible and to keep a clean driving record (don’t make claims).
The deductible is the amount you pay out of pocket before your insurance coverage kicks in.
However, if you opt for a higher deductible, you have to be prepared to pay more out of pocket in the event of an insurance claim.
Another way to save money on auto insurance is to take advantage of discounts such as those for good driving records or safety features on your car.
But if you’re a high risk driver in Ontario, your options may be limited.
In this case, shopping around for the cheapest high risk insurance in Ontario is your best bet. Look for specialized high risk auto insurance companies that cater specifically to your situation to get the best rates.
Need a car insurance quote in Ontario?
What types of coverage are available for high risk drivers in Ontario?
High risk drivers in Ontario have access to the same types of insurance coverage as other drivers.
Specifically, these coverages include the following:
- Liability coverage: Liability coverage is mandatory in Ontario and covers damages and injuries to third parties and their property in the event of an at-fault accident.
- Collision coverage: Collision coverage provides coverage for damages to your own vehicle in the event of an accident.
- Comprehensive coverage: This covers damages to your vehicle caused by events such as theft, vandalism, or weather-related incidents.
High risk drivers may also be required to carry additional coverage, such as non-standard coverage or endorsements, to ensure they are fully insured if they’re involved in an accident.
Need a high risk auto insurance quote?
What is considered unacceptable risk in insurance?
Insurance companies use the term “unacceptable risk” to refer to individuals that pose a greater risk of claims that the company may not be able to cover.
Here are some of the factors that may be considered unacceptable risk by insurance companies:
- A history of multiple accidents, traffic violations, or DUI convictions
- Drivers with little to no driving experience
- Drivers of high-risk vehicles
- Drivers with high-risk occupations or hobbies
In these cases, insurance companies may either refuse coverage or charge significantly higher premiums to compensate for the higher risk.
Need a high risk auto insurance quote?
We can help with that.
Why do I need high risk auto insurance in Ontario?
There could be a few reasons why you’re considered to be a high risk car insurance client.
For example, you may need high risk auto insurance in Ontario or elsewhere if you have a history of accidents or traffic violations that make you a riskier driver to insure.
Here are several factors that can make you a high risk car insurance client to insure:
- The type of vehicle you drive: Certain types of cars, such as sports cars or high-performance vehicles, are more likely to be involved in accidents and are therefore considered high-risk.
- Age: Young drivers (under 25) and seniors (over 70) are often considered high-risk due to their lack of experience or decreased reflexes and physical ability, respectively.
- Location: If you live in an area with a high crime rate or a high incidence of accidents, you may be considered high-risk.
- Coverage history: If you have a history of lapses in car insurance coverage, insurance companies may consider you high-risk because it suggests you are more likely to be an uninsured driver on the road.
High risk insurance brokers like KBD can help you find the best coverage options for your specific situation.
We’ll help you navigate the purchasing process, and advise you on the best way to save, (or get back into the regular insurance market) depending on your situation.
Looking for high risk car insurance?
What is considered a high risk driver in Ontario?
A high risk driver in Ontario is someone who is deemed to have a higher chance of making an insurance claim.
There are several factors that can put you into the high risk driver category.
For example, this includes:
- A history of accidents or traffic violations
- A history of car insurance claims
- Drivers of high performance vehicles
In the eyes of insurance companies, these factors increase the likelihood of the driver filing a claim, hence the need for high risk auto insurance.
At KBD, our high risk insurance brokers specialize in helping drivers with these types of situations find coverage options that suit their needs.
Looking for a high risk auto insurance quote?
Can you be denied car insurance in Ontario?
You technically cannot be denied car insurance in Ontario.
However, if the amount of risk you carry doesn’t fit with standard insurance companies, you may need to get Facility insurance.
Facility insurance is a type of car insurance for high risk drivers in Ontario who aren’t eligible for insurance in the regular market.
Here are three common reasons for your insurance application to go to the Facility market, if your risk profile is considered too high:
- A history of major convictions
- A history of insurance claims
- A history of cancellation for non-payment
Working with a high risk insurance broker can help you to understand your options and find coverage that suits your needs if you fall into these categories.
Ready for an auto insurance quote?
Does a high credit score affect car insurance in Ontario?
Your credit score is not factored into your car insurance premium in Ontario.
That’s because insurance companies in Ontario are not permitted to check your credit score when you’re purchasing car insurance.
That’s not the case in every province, as car insurance is regulated on a provincial level.
However, Ontario insurance companies can check your credit score for property insurance coverage, like tenant and home insurance.
Need a high risk car insurance quote?
What’s the cheapest car insurance in Ontario for high risk drivers?
Looking for affordable high risk car insurance in Ontario?
When it comes to finding the cheapest car insurance in Ontario for high risk drivers, you will have to go through a high risk insurance company – or an insurance broker that can connect you with their services.
An auto insurance broker like KBD can advise you on the best way to lower costs, based on your individual circumstances.
In the meantime, here are a few ways you can save on your premium:
- Get a higher deductible
- Drive a lower cost car with a good safety rating
- Bundle your home and auto policy
Ultimately, the cheapest high risk insurance in Ontario will depend on your specific situation, so it’s important to get quotes from multiple companies and compare them to find the best rates.
We can help with that.
What are red flags for insurance companies?
When evaluating potential policyholders for car insurance in Ontario, insurance companies search for specific red flags.
Read flags you should avoid having as an insurance client include:
- A history of frequent insurance claims
- A record of traffic violations or accidents
- Participation in high-risk occupations or hobbies
These factors can indicate a greater probability of you filing a claim, resulting in a higher payout – in other words, a loss – for the insurance company.
Because of this, insurance companies may either reject coverage or demand higher premiums from individuals displaying these red flags.
Your best bet? Avoid collecting red flags as a driver!
Need an Ontario car insurance quote?
What is high risk auto insurance?
High risk car insurance is a type of coverage designed for drivers who are considered “riskier” to insure in the eyes of insurance companies.
This can be due to factors like a history of accidents or traffic violations, or driving a high-performance vehicle.
If you’re a driver with a less-than-stellar driving record, don’t worry, you’re not alone.
High risk car insurance for Ontario drivers is available from several insurance companies, although it typically comes at a higher cost than standard coverage.
At KBD, we work with several high risk insurance companies to offer coverage to Ontario drivers.
We can shop around and compare quotes to find the best high risk auto insurance policy for your budget.
In the meantime, make sure to drive responsibly to stay in insurance companies’ good graces.
Need high risk car insurance in Ontario?
Why do I need high risk auto insurance in Ontario?
There could be a few reasons why you’re considered to be a high risk car insurance client.
For example, you may need high risk auto insurance in Ontario or elsewhere if you have a history of accidents or traffic violations that make you a riskier driver to insure.
Here are several factors that can make you a high risk car insurance client to insure:
- The type of vehicle you drive: Certain types of cars, such as sports cars or high-performance vehicles, are more likely to be involved in accidents and are therefore considered high-risk.
- Age: Young drivers (under 25) and seniors (over 70) are often considered high-risk due to their lack of experience or decreased reflexes and physical ability, respectively.
- Location: If you live in an area with a high crime rate or a high incidence of accidents, you may be considered high-risk.
- Coverage history: If you have a history of lapses in car insurance coverage, insurance companies may consider you high-risk because it suggests you are more likely to be an uninsured driver on the road.
High risk insurance brokers like KBD can help you find the best coverage options for your specific situation.
We’ll help you navigate the purchasing process, and advise you on the best way to save, (or get back into the regular insurance market) depending on your situation.
Looking for high risk car insurance?
How much does high risk car insurance cost in Ontario?
The average cost of high risk car insurance in Ontario can vary depending on several factors.
Generally, high risk auto insurance is significantly more expensive than standard coverage due to the increased risk involved.
For example, the average cost of car insurance for new drivers in Ontario is anywhere from $3000 to $7000 a year.
Compared to the provincial average of $1400, that’s a pretty hefty price tag.
But it’s not just new drivers that are considered high risk.
Here are a few more factors that can put you in the high risk auto insurance category:
- A history of accidents and insurance claims
- Driving a high performance or exotic vehicle
- A history of car insurance claims
Put simply, insurance companies lose money when they have to pay out for claims. Because of this, the risk that they assume when taking on a high risk client is balanced out through higher premiums.
Need a high risk car insurance quote in Ontario?
What is considered a high risk driver in Ontario?
A high risk driver in Ontario is someone who is deemed to have a higher chance of making an insurance claim.
There are several factors that can put you into the high risk driver category.
For example, this includes:
- A history of accidents or traffic violations
- A history of car insurance claims
- Drivers of high performance vehicles
In the eyes of insurance companies, these factors increase the likelihood of the driver filing a claim, hence the need for high risk auto insurance.
At KBD, our high risk insurance brokers specialize in helping drivers with these types of situations find coverage options that suit their needs.
Looking for a high risk auto insurance quote?
How long are you considered a high risk driver in Ontario?
The length of time that you’re considered a high risk driver in Ontario can vary depending on several factors.
For example, the severity and frequency of your past driving infractions can influence this timeline.
Generally, these marks on your driving record can stay on file for two to three years, which could affect your insurance rates and the need for high risk auto insurance in Ontario.
However, working with a high risk insurance broker can help you navigate the process and find ways to improve your driving record over time.
They can also advise on the best best ways to save if you’re simply insuring a premium vehicle, for example.
Need a high risk auto insurance quote?
Can you be denied car insurance in Ontario?
You technically cannot be denied car insurance in Ontario.
However, if the amount of risk you carry doesn’t fit with standard insurance companies, you may need to get Facility insurance.
Facility insurance is a type of car insurance for high risk drivers in Ontario who aren’t eligible for insurance in the regular market.
Here are three common reasons for your insurance application to go to the Facility market, if your risk profile is considered too high:
- A history of major convictions
- A history of insurance claims
- A history of cancellation for non-payment
Working with a high risk insurance broker can help you to understand your options and find coverage that suits your needs if you fall into these categories.
Ready for an auto insurance quote?
How far back do insurance companies look at your driving record in Ontario?
In Ontario, insurance companies look at your driving record in the past three years, and your claims record in the past six years to determine your risk level and to calculate your insurance premium.
If your driving and claims record isn’t squeaky clean, you can still get car insurance, but you may fall into the high risk insurance market.
If this is the case, you can get in touch with high risk auto insurance companies that specialize in providing coverage to drivers who have had accidents, traffic violations, or other issues that make them a greater risk to insure.
So, if you’re in this category, it’s important to shop around for high risk driver insurance to find the best rates.
We can help with that.
Does a high credit score affect car insurance in Ontario?
Your credit score is not factored into your car insurance premium in Ontario.
That’s because insurance companies in Ontario are not permitted to check your credit score when you’re purchasing car insurance.
That’s not the case in every province, as car insurance is regulated on a provincial level.
However, Ontario insurance companies can check your credit score for property insurance coverage, like tenant and home insurance.
Need a high risk car insurance quote?
What is the simplest way to lower your auto insurance premium?
Want a quick and easy answer?
The simplest way to lower the cost of your car insurance is to raise your deductible and to keep a clean driving record (don’t make claims).
The deductible is the amount you pay out of pocket before your insurance coverage kicks in.
However, if you opt for a higher deductible, you have to be prepared to pay more out of pocket in the event of an insurance claim.
Another way to save money on auto insurance is to take advantage of discounts such as those for good driving records or safety features on your car.
But if you’re a high risk driver in Ontario, your options may be limited.
In this case, shopping around for the cheapest high risk insurance in Ontario is your best bet. Look for specialized high risk auto insurance companies that cater specifically to your situation to get the best rates.
Need a car insurance quote in Ontario?
What’s the cheapest car insurance in Ontario for high risk drivers?
Looking for affordable high risk car insurance in Ontario?
When it comes to finding the cheapest car insurance in Ontario for high risk drivers, you will have to go through a high risk insurance company – or an insurance broker that can connect you with their services.
An auto insurance broker like KBD can advise you on the best way to lower costs, based on your individual circumstances.
In the meantime, here are a few ways you can save on your premium:
- Get a higher deductible
- Drive a lower cost car with a good safety rating
- Bundle your home and auto policy
Ultimately, the cheapest high risk insurance in Ontario will depend on your specific situation, so it’s important to get quotes from multiple companies and compare them to find the best rates.
We can help with that.
What types of coverage are available for high risk drivers in Ontario?
High risk drivers in Ontario have access to the same types of insurance coverage as other drivers.
Specifically, these coverages include the following:
- Liability coverage: Liability coverage is mandatory in Ontario and covers damages and injuries to third parties and their property in the event of an at-fault accident.
- Collision coverage: Collision coverage provides coverage for damages to your own vehicle in the event of an accident.
- Comprehensive coverage: This covers damages to your vehicle caused by events such as theft, vandalism, or weather-related incidents.
High risk drivers may also be required to carry additional coverage, such as non-standard coverage or endorsements, to ensure they are fully insured if they’re involved in an accident.
Need a high risk auto insurance quote?
What are red flags for insurance companies?
When evaluating potential policyholders for car insurance in Ontario, insurance companies search for specific red flags.
Read flags you should avoid having as an insurance client include:
- A history of frequent insurance claims
- A record of traffic violations or accidents
- Participation in high-risk occupations or hobbies
These factors can indicate a greater probability of you filing a claim, resulting in a higher payout – in other words, a loss – for the insurance company.
Because of this, insurance companies may either reject coverage or demand higher premiums from individuals displaying these red flags.
Your best bet? Avoid collecting red flags as a driver!
Need an Ontario car insurance quote?
What is considered unacceptable risk in insurance?
Insurance companies use the term “unacceptable risk” to refer to individuals that pose a greater risk of claims that the company may not be able to cover.
Here are some of the factors that may be considered unacceptable risk by insurance companies:
- A history of multiple accidents, traffic violations, or DUI convictions
- Drivers with little to no driving experience
- Drivers of high-risk vehicles
- Drivers with high-risk occupations or hobbies
In these cases, insurance companies may either refuse coverage or charge significantly higher premiums to compensate for the higher risk.
Need a high risk auto insurance quote?
We can help with that.