Defending High-Risk Drivers when they need it most.

High Risk Auto Insurance in Ontario: Your Guide to Better Rates

Get an Instant Quote

Fast. Free. No Pressure

Auto Form Call Back

Having driving infractions doesn’t make you a criminal

It can make finding auto insurance more challenging. At Excalibur, our brokers specialize in the “Non-Standard” market, helping you find affordable coverage when other companies say no.

highriskcard

What makes you a high-risk driver in Ontario?

In the eyes of an insurance company, “High Risk” simply means your statistical likelihood of making a claim is higher than average. You might be classified as high-risk if you have:

  • Multiple at-fault accidents or excessive speeding tickets.
  • A history of policy cancellations due to non-payment.
  • A DUI (Impaired Driving) charge or license suspension.
  • Little driving experience (Young drivers) combined with minor infractions.
GET A QUOTE
Speak to a Broker

How long will I be considered a high-risk driver?

The “High Risk” label isn’t permanent. Most minor tickets and policy cancellations fall off your record after 3 years. However, at-fault accidents and criminal convictions (like DUIs) can impact your rates for up to 6 years. Our job is to build a “rehabilitation plan” with you to get you back to standard rates as quickly as possible.

Finding the Best Car Insurance for
High-Risk Drivers

Not every insurance company offers non-standard policies. We partner with Canada’s top high-risk specialists, including Jevco, Echelon, and Coachman, to compare the market for you. We demystify the “Facility Market” (the insurer of last resort) to ensure you aren’t paying a penny more than necessary.

Knight at desk img

Liked your quote? Here’s what happens next.

step 1 insurance quote
complete your insurance quote

By using our Rate Reducer or by filling out a form on our website.

step 2 insurance quote
we pick up the phone and call you

An Excalibur Defender will review the quote and your unique needs, to ensure you have the right coverage.

step 3 insurance quote
finalize your policy and get your pink slip

Liked your coverage and quote? Your Defender will send the documents for easy mobile signing. Once signed, we’ll email your pink slip.

motorbike

Specialized Coverage:

Beyond the Commute

High risk isn’t limited to cars. If you need High Risk Motorcycle Insurance in Ontario, we can help protect your bike while you work on clearing your record. Whether it’s an SUV, a truck, or a motorcycle, our “Defenders” are ready to find your best rate.

Free Protection Checkup

with every quote & renewal

We look for potential blind spots. We know, everyone wants cheap insurance, but our job is to protect you from assumptions, unknowns and industry change with our free comprehensive review of your needs.

Learn More
insurance checkup icon

Why do you need auto insurance?

It’s really all about protecting yourself financially.

If you’re in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.

If you or any passengers are injured in an accident, medical costs can be extremely expensive.

If you or your car is responsible for damage or injury to others, you may be sued for much more than you’re worth.

Not only is having insurance a prudent financial decision, but many provinces also require you to have at least some coverage.

GET AN INSTANT QUOTE

Pro-Tip: Questions to Ask Your Broker About High-Risk Coverage

Before signing your new policy, ensure you have total clarity by asking:

step 1 insurance quote

How much can you afford to pay if you get in an accident?
(To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)

step 2 insurance quote

What is the “rehabilitation” timeline?
(Ask exactly when your oldest tickets will fall off so we can proactively re-quote you with standard insurers.)

step 3 insurance quote

Are there hidden discounts?
(Even high-risk drivers can sometimes qualify for discounts like winter tires, bundling with home insurance, or telematics (tracking) programs.)

We’ve got the Insurance coverage you need

  • High Risk Auto Insurance

  • 18 gapinsurance (1)

    Gap Insurance

  • automobileartboard 1

    Car, Truck, SUV Insurance

  • Good Driver Insurance

  • High Risk Auto Insurance

  • Young Driver Insurance

  • automobileartboard 1

    Car, Truck, SUV Insurance

  • EV Insurance

  • Antique Car Insurance

  • Rate Reducer

Frequently Asked Questions

If you’ve got Auto Insurance questions – we’re here to answer them. Our team of defenders is always happy to help clarify your insurance knowledge and here are a few Tips and Frequently Asked Questions to get you started.

  • In insurance, high-risk means that your risk appetite is higher than that of the average driver’s. This may be because you are a young driver with a poor driving record or little driving experience, because you have been involved in too many at-fault accidents, you have a history of being cancelled due to non-payment, you have had a DUI charge, or other risk-related characteristics. High-risk drivers do not qualify for standard auto insurance and so, in order to remain insured, must acquire “non-standard auto insurance” (or high-risk auto insurance) which may differentiate from your standard policy in a number of ways.

  • High-risk insurance functions similarly to standard auto insurance, in that it covers your vehicle and supplies the necessary coverage to render your vehicle “road-legal” but three criteria may differentiate it from your typical policy. One, your insurance will likely cost more. Two, your payment options will be reduced (because many drivers are high-risk due to cancellations for non-payment), and three: insurance coverage will be limited. Your liability limits may be capped, and you may be required to pay higher deductibles in the event of a claim. You will be stuck with having to carry high-risk auto insurance until your high-risk label comes down. This, unfortunately, is only done with time.

  • To remain insured. Few standard auto insurance providers will insure high-risk drivers, meaning you’ll need to place your policy with a non standard insurance company through an experienced high risk  insurance broker. High-risk insurance does typically cost more, but the high-risk label isn’t permanent.

  • You will no longer be considered a high-risk driver once some of your tickets fall off your record. Most traffic tickets, suspensions, or policy cancellations, etc. will be removed from your record after three years. At-fault incidents and criminal convictions, however, can remain on your record and keep you labelled a high-risk driver for up to six years.

  • Unfortunately, high-risk insurance in Ontario tends to be more expensive than your average auto insurance policy. There’s really no way around it. Depending on your risk profile, you might be paying anywhere between 25% to 250% more than your average driver.