High Risk Car Insurance Ontario

High Risk Car Insurance Situations in Ontario:

Drivers with Impaired Driving Convictions also known as DUI or Driving Under the Influence

  • If you have been convicted with driving with over .08 BAC level, regular car insurance companies will not insure you while the conviction remains on your record. Options exist to still get insurance by getting a quote online or with one of our insurance brokers, we can provide you with Ontario car insurance with an impaired driving conviction

Drivers with Speeding Tickets and other Traffic Tickets

  • Remember, tickets not demerit points affect your car insurance. Speeding tickets and other traffic tickets can be classified as either minor or major. Minor and major tickets can impact how much you pay for car insurance. By having too many tickets can also lead to cancellation by some insurance companies.


  • At fault accidents can affect your car insurance premiums. In Ontario whether you are 100 percent at fault or 10 percent at fault, any at fault accidents may impact how much you pay for car insurance.




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Impaired Driving Car Insurance FAQ


Here is a list of common questions that get asked for clients who have been charged with impaired driving also commonly known as DUI in regards to car insurance. Will my rate automatically increase with my car insurance company after getting a DUI? In order for your rate to increase as a result of an… Read More »

Ontario Planning Stiffer Penalties

The Ontario government is making changes to the Highway Traffic Act in an effort to make the roads safer. The Ontario government is planning the following changes: Careless drivers who cause bodily harm or death will face a maximum of $50,000 in fines, two years in jail and five year license suspension with six demerit… Read More »

Moving from Saskatchewan to Ontario? Here’s How to Get Car Insurance in Ontario

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If you have moved or planning on moving from Saskatchewan to Ontario here is a very quick tip on how to get car insurance. First, you would like for your driving experience from Saskatchewan to be recognized in Ontario, this will give you a better rate on your car insurance because without proof of prior… Read More »

Ontario Car Insurance Options

driving car across Ontario

Just like purchasing a car, when you walk into a dealership to purchase a car you may ask what options the vehicle has. This is really no different than buying car insurance in Ontario. The most basic car insurance policy in Ontario provides liability insurance at a certain limit and then you may add coverages… Read More »

New Driving Laws Effective September 1st 2015

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      The Ontario Ministry of Transportation has added new rules and harsher penalties. There are 3 main changes. Increased fines for distracted driving Increased fines for dooring cyclists and new rules for driving around cyclists Moving over for tow trucks providing assistance Distracted Driving                 As of September 1st 2015 the fines and… Read More »

What is Back On Track?

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If you have been convicted with an impaired driving conviction or have received more than 1 roadside suspension in the warn rage, one of the requirements in order to drive again is to attend a mandatory alcohol education program. The facts: The fee is between $178 for warn range drivers to $578 for convicted impaired… Read More »

Ontario’s System on Impaired Driving and what it means for High Risk Car Insurance

impaired driving & car insurance

Find out below using the chart what happens after 1st convictions for impaired driving in Ontario, Canada. Remember, you may be convicted for impaired driving while under the influence of alcohol or drugs. Novice Drivers (Those with GT1, G2, M1, M2, M2-L or M2-M licenses) Zero blood alcohol content law applies means that novice drivers… Read More »

Does a Speeding Ticket in Ontario Affect my Insurance?

ontario speeding and insurance

Does a Speeding Ticket in Ontario Affect my Car Insurance? A popular misconception amongst Ontario drivers is that a ticket without points will not affect their insurance. Unfortunately, this is not the case. Any moving violation such as a speeding ticket will affect your insurance. What is the affect on Ontario Car Insurance and 1… Read More »

Calling & Driving An Expensive Call for your Car Insurance

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The Fine Since October 26th 2009 the Province of Ontario has banned hand held devices while driving. As of February 1st 2010 the fine for driving while using a hand held is $280 but drivers who receive a summons to court or who contest the ticket may face a fine of up to $500. There… Read More »

The Latest on Toronto Car Insurance

toronto car insurance latest

As a driver in the Greater Toronto Area and in Ontario you may be glad to hear of industry initiatives which insurers and industry experts are hoping help control the cost of auto insurance. Read more below on Toronto car insurance and changes to the Ontario auto insurance industry. Ontario Car Insurance Rate Reductions As… Read More »