High Risk Auto Insurance For Ontario Drivers


We work with every high-risk auto market in Ontario, guaranteeing you the best rate possible.

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Have You Been Labelled as a High Risk Driver?

We work with all the best high risk auto insurance companies in Ontario, allowing us to save you both time and money while providing you with the coverage you need.

Saving on high-risk auto insurance may not be as easy as saving on a normal policy, but it’s still possible.

Having a few accidents on your record may not be your fault, but once you’ve been put into the high-risk driver category, you need a specialist broker with the access to all of the best options for you. Whether you made some mistakes on the road or were simply in the wrong place at the wrong time, we’ll find you the best rates in Ontario, and we’ll help you get out of the dreaded high risk auto insurance category. Mitchell & Whale is here to help.


Labelled as a high risk driver? No problem, give us a call.
1-800-731-2228

We’re Partnered With the Best Auto Insurance Companies for High Risk Drivers

When you’re in the high-risk pool, many companies will refuse to insure you, and the ones that do will insure you at a higher premium. Fortunately, several insurance companies in Ontario specialize in high risk auto insurance, available to those with tickets and accidents on their driving records. At Mitchell & Whale, we’re partnered with every high risk auto insurance company in Ontario:

Coachman Insurance
Echelon Insurance
Jevco Insurance
Pafco Insurance
Perth Insurance

See the full list of companies we shop on your behalf.

What Makes a Driver High Risk?

Insurance companies determine insurance eligibility in a number of ways, but driving record and probability of a claim can be dominant factors. In essence, insurance companies prefer drivers who have a low likelihood of being in an accident, or low risk drivers. Being labelled a high-risk driver can be based on numerous factors, including:

  • Being a new driver
  • Having several past accidents
  • Traffic violations
  • Substance abuse infractions, such as driving under the influence.

Regardless of the reasoning behind a high-risk label, these drivers generally pay significantly more for insurance, may be denied renewal for an existing insurance policy, or may be turned down for a new insurance policy. This can be a hard position to find yourself in, but there are still options for individuals who have had some issues on the road in the past.



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For a quote on non-standard auto insurance coverage, speak with one of our high risk insurance brokers. We're partnered with the best auto insurance companies for high risk drivers in Ontario: Speak with a broker today: 1-800-731-2228

Have You Been Labelled as a High-Risk Driver? We Can Help!

In addition to providing coverage for you and your family, high-risk auto insurance policies aim to help you lower your risk through safer driving in the future. By investing in high-risk auto insurance, you have the ability to stay covered and practice better driving habits in order to minimize future payments. As time passes and your driving record remains clean, you will gradually regain your status as a low risk driver and will be once again eligible for standard, more budget-friendly auto coverage.

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