If you’ve been told you’re a “high-risk driver,” it can feel frustrating and expensive. But being labeled high-risk doesn’t mean you’re out of options.
At Kenny Insurance Brokers Inc., we help drivers in London and St. Thomas find coverage and work toward lowering their premiums over time.
What is High-Risk Auto Insurance?
High-risk auto insurance is designed for drivers who are considered more likely to file a claim based on their history.
This classification is based on risk, not personal judgment.
Why Are Drivers Considered High-Risk?
Several factors can lead to a high-risk classification:
- Multiple traffic violations
- At-fault accidents
- DUI or serious convictions
- Gaps in insurance coverage
- Policy cancellations
- New or inexperienced drivers
How High-Risk Insurance Works
High-risk drivers are often placed with specialized insurers who are willing to take on higher levels of risk.
While premiums are higher, coverage is still available, and it’s a stepping stone back to standard insurance.
How Much Does High-Risk Insurance Cost?
Costs vary depending on:
- Severity of driving history
- Number of incidents
- Time since last violation
- Vehicle type
- Location
Drivers in urban areas may see higher premiums due to increased risk factors.
Steps to Lower Your Risk Over Time
The good news is that high-risk status isn’t permanent.
Maintain a Clean Driving Record
Avoid new tickets or accidents. This is the most important step.
Stay Continuously Insured
Avoid lapses in coverage, as they can negatively impact your risk profile.
Take Defensive Driving Courses
In some cases, completing approved courses can help demonstrate responsibility.
Review Your Policy Regularly
As your risk improves, your rates should too—but only if your policy is updated.
Work with a Broker
A broker can help you:
- Find better rates as your record improves
- Transition back to standard insurers
- Avoid overpaying
How Long Does High-Risk Status Last?
Typically, violations impact your insurance for 3–6 years, depending on severity.
With consistent safe driving, many drivers return to standard insurance within a few years.
Why You Shouldn’t Delay Getting Coverage
Driving without insurance in Ontario is illegal and can lead to severe penalties.
Even if rates are high, securing coverage is essential to:
- Stay legal
- Protect yourself financially
- Start rebuilding your insurance profile
Final Thoughts
High-risk auto insurance may feel like a setback, but it’s also an opportunity to rebuild and improve your driving record.
If you need high-risk auto insurance in London or St. Thomas, contact Kenny Insurance Brokers for expert guidance and a confidential quote.