We insure drivers with tickets, accidents, and non-payment cancellations.
Multiple At-Fault Accidents?
Too Many Tickets?
Non-Pay Cancellations?
Who is Considered a High-Risk Driver?
High-Risk Car Insurance is designed for drivers who are more likely to file a claim due to their driving history or other factors. This includes drivers with multiple accidents or traffic violations, DUIs or license suspensions, young or inexperienced drivers, or anyone who’s considered a higher liability on the road. Because insurers see these drivers as a greater risk, premiums are usually higher, and coverage may come with more restrictions. High-risk car insurance ensures these drivers stay protected while meeting legal requirements, even when traditional insurance options are limited.
Drivers who are new to the road often face higher insurance rates because they haven’t yet built a driving history. Without past data showing safe habits, insurers have limited insight into how a new driver will behave behind the wheel. This uncertainty alone can place new drivers in a higher-risk category, even if they have a clean record.
Receiving tickets—especially on a regular basis—signals risky driving behavior to insurance companies. Violations such as speeding, distracted driving, reckless driving, or DUIs suggest a higher likelihood of future accidents or claims. The more severe or frequent the offenses, the more likely a driver is to be classified as high risk.
Drivers who have experienced a licence suspension are often automatically classified as high risk by insurance companies. Suspensions may result from serious traffic offenses such as DUIs, excessive demerit points, reckless driving, or failure to maintain insurance. From an insurer’s perspective, a suspension indicates a significant lapse in driving responsibility or compliance with the law.
A history of several insurance claims, particularly those where the driver was at fault, raises concerns for insurers. Multiple claims indicate a greater chance of future losses, which often results in higher premiums or limited coverage options. Even minor accidents can add up and affect how insurers assess overall risk.
If a previous insurance policy was cancelled—especially due to non-payment or policy violations—it can make new insurers cautious. Cancellations suggest potential financial or reliability concerns, which may lead insurers to classify the driver as higher risk when offering new coverage.
Breaks in insurance coverage can also increase perceived risk. Insurers may view coverage gaps as a sign of inconsistent driving habits or financial instability. Even if the gap occurred for a valid reason, it can still impact how insurers evaluate risk and price a new policy.
Get Rates is here for you when others aren't
Life doesn’t always go as planned, and we know how stressful it can be when your car is more than just a vehicle — it’s how you get to work, see your family, and stay connected to the life you love. At Get Rates, we’re here for Ontario drivers who’ve faced challenges, helping you find high-risk car insurance options that give you peace of mind and get you back on the road.
New Driver?
Being a new driver can feel overwhelming, everyone starts somewhere. We don’t judge your inexperience—we focus on helping you find the right coverage.
Too Many Tickets?
Tickets can add up, and they don’t define who you are. We don’t judge your driving history—we focus on helping you move forward with the right coverage.
Multiple Accidents?
Accidents happen, and multiple ones don’t define you. We don’t judge your past—we focus on helping you move forward with confidence and peace of mind.
License Suspensions?
A suspended license doesn’t define you. We don’t judge your past—we focus on helping you get back on the road with the coverage and support you need.
Non-Pay Cancellations?
A lapse or cancellation doesn’t define you. We don’t judge your past—we focus on helping you find coverage and get back on track with confidence.
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Our brokers work for you
- Our brokers are dedicated to your business's best interests, not those of an insurance company. Our advice is always honest and unbiased, ensuring you get the right coverage for your unique needs without any unnecessary extras.
- We take the stress out of shopping for insurance. Our brokers compare quotes from top commercial insurance providers to find you the best possible rate, saving you time and effort while securing excellent coverage.
- We know business insurance can be confusing. That's why our brokers take the time to clearly explain your options, helping you understand your policy so you can make a confident choice that fits your business and budget perfectly.
Why choose GETRATES?
Why great insurance doesn’t have to cost more
- We partner with over 50 trusted insurance providers to offer a wide range of business coverage options. We compare policies side-by-side to find the protection that best fits your company’s needs and budget.
- By looking at multiple quotes for you, we make sure you get the most cost-effective coverage without giving up any of the protection you need. It’s about finding the right policy at the right price. Our advanced technology makes the process of getting insurance quick and efficient. This keeps our costs down — and those savings go straight back to you.
- Our extensive portfolio of commercial clients gives us substantial negotiating power with insurers. We use this advantage to secure exclusive rates and enhanced coverage for your business—often resulting in a better overall value than you can find on your own.