The Best Car Insurance for High-Risk Drivers in Canada

arafaaFebruary 7, 2025

0 130 3 minutes read

Driving is a privilege, but for high-risk drivers, securing affordable and reliable car insurance can feel like an uphill battle. Whether you’ve been labeled high-risk due to a history of accidents, traffic violations, DUI convictions, or even being a new driver, finding the right insurance provider can make all the difference. In Canada, where auto insurance regulations vary by province, navigating the market as a high-risk driver requires careful research and understanding of your options. This article explores the best car insurance providers for high-risk drivers, tips for reducing premiums, and strategies to improve your driving record over time.

Who Qualifies as a High-Risk Driver?

Before diving into solutions, it’s important to understand what makes someone a high-risk driver. Insurance companies classify drivers based on factors that indicate a higher likelihood of filing claims. These include:

Traffic Violations: Speeding tickets, reckless driving, or multiple infractions.
At-Fault Accidents: A history of collisions where you were deemed responsible.
DUI/DWI Convictions: Driving under the influence of alcohol or drugs.
License Suspensions: Having your license suspended or revoked in the past.
New Drivers: Inexperienced drivers, especially those under 25, are often considered high-risk.
Lapses in Coverage: Gaps in insurance history can raise red flags for insurers.

If any of these apply to you, don’t panic—there are still ways to get insured at reasonable rates.

Top Car Insurance Providers for High-Risk Drivers in Canada

1. Belairdirect

Belairdirect offers specialized coverage for high-risk drivers, including those with poor driving records or recent suspensions. They work closely with clients to create tailored policies that meet individual needs. While their premiums may be higher than standard rates, they provide flexibility and excellent customer service.

Pros:

Customizable plans.
Online tools for easy management.
Discounts for bundling home and auto insurance.

Cons:

Higher premiums for severe infractions.
Limited availability outside British Columbia.

2. The Co-operators

As a well-established Canadian insurer, The Co-operators provides comprehensive coverage options for high-risk drivers. Their programs focus on rehabilitation and risk reduction, helping drivers improve their records over time.

Pros:

Offers SR22/FRC filings (where required).
Strong reputation for customer support.
Educational resources to promote safer driving habits.

Cons:

Rates can be steep for repeat offenders.
Not available in every province.

3. Intact Insurance

Intact Insurance is one of Canada’s largest property and casualty insurers, offering competitive rates for high-risk drivers. They emphasize transparency and personalized service, making them a popular choice among Canadians.

Pros:

Wide range of coverage options.
Loyalty discounts for long-term customers.
Quick claims processing.

Cons:

Premiums may increase significantly after an accident.
Some restrictions on high-risk cases.

4. TD Insurance

TD Insurance partners with specialty brokers to offer coverage for high-risk drivers. They also provide telematics-based programs that reward safe driving behavior, which can help lower premiums over time.

Pros:

Usage-based insurance discounts.
Accessible online platform.
Multi-policy discounts.

Cons:

Limited options for extreme-risk profiles.
Customer service quality varies by region.

5. BrokerLink

BrokerLink connects high-risk drivers with niche insurers who specialize in non-standard policies. By working with multiple providers, they ensure clients receive competitive quotes tailored to their unique situations.

Pros:

Expert advice from licensed brokers.
Access to exclusive deals.
Flexible payment plans.

Cons:

Requires more effort to compare options.
May involve additional broker fees.

Tips for Reducing Car Insurance Costs as a High-Risk Driver

While premiums for high-risk drivers tend to be higher, there are several strategies to minimize costs:

1. Improve Your Driving Record

Safe driving is the most effective way to reduce your risk profile. Avoid further infractions, take defensive driving courses, and maintain a clean record for at least three years to see significant improvements.

2. Increase Your Deductible

Opting for a higher deductible lowers your monthly premium. Just ensure you have enough savings to cover the deductible if you need to file a claim.

3. Bundle Policies

Many insurers offer discounts when you bundle auto insurance with other products, such as home or renters insurance.

4. Install Telematics Devices

Some insurers offer usage-based insurance programs that track your driving habits. Safe behaviors, such as avoiding hard braking and late-night driving, can lead to reduced premiums.