What is High Risk Car Insurance?

High risk car insurance is a type of policy designed for drivers who no longer qualify for coverage with standard car insurance providers. This can happen due to a history of tickets, at-fault accidents, or cancellations for non-payment. While high-risk insurance typically comes at a higher premium, it ensures drivers can remain insured even when standard market options are no longer available.


How Do Drivers Become High Risk?

Every car insurance company operates under specific rules filed with the government. These rules define the types of drivers they are willing to insure. For example:

  • Insurance Company A: Covers drivers with up to 3 tickets.
  • Insurance Company B: Covers drivers with up to 2 tickets.

If you exceed the thresholds set by regular insurers, high-risk insurance providers may still offer coverage, but with less strict criteria:

  • Insurance Company C (High-Risk Provider): Covers drivers with at least 2 tickets but not more than 6 tickets.

While high-risk insurers provide options for drivers with more significant infractions, premiums are higher due to the increased risk they assume. If you don’t qualify even with high-risk insurers, your only remaining option may be the Facility Association, which provides last-resort insurance at very high premiums.


Common Reasons Drivers Are Classified as High Risk

  1. Impaired Driving (DUI Insurance)
    • Driving under the influence (DUI) is one of the most serious convictions. Most regular insurance providers will not insure drivers with impaired driving offenses, forcing them into high-risk insurance markets.
  2. Too Many At-Fault Accidents
    • At-fault accidents, even if you are only 25% or 50% at fault, can negatively impact your insurance record and premium. Repeated accidents often lead to high-risk classification.
  3. Too Many Speeding Tickets
    • Accumulating three or more minor tickets, or a single major speeding ticket (e.g., exceeding 50 km/h over the limit), can result in being labeled high risk.
  4. Distracted Driving Insurance
    • Distracted driving is treated as a serious offense by many insurers. In some cases, even one ticket for distracted driving can disqualify you from regular market insurance.

What to Do If You’re a High-Risk Driver

If you’ve been classified as a high-risk driver, here are steps to manage the situation:

  • Work with a Broker: A licensed insurance broker can help you find the best rates within the high-risk market. They can also advise on how to rebuild your driving record.
  • Improve Your Driving Record: Avoid further tickets, at-fault accidents, or lapses in insurance coverage. Over time, this can help you transition back to standard insurance.
  • Complete a Driver Training Course: Enroll in a certified driver training or defensive driving course to enhance your driving skills, learn advanced safety techniques, and build better driving habits. By practicing safe and responsible driving consistently, you can improve your driving record and potentially lower your insurance premiums over time.

Protect Yourself with the Right Coverage

Navigating high-risk car insurance can be challenging, but you don’t have to do it alone. At Humberview Insurance Brokers, we specialize in helping drivers find personalized car insurance options, no matter their situation.

Contact us today for a quote and take the first step toward affordable, high-risk car insurance!