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In Ontario, it is mandatory to have car insurance in order to drive legally. If you are having difficulty obtaining car insurance in Ontario, here are some steps you can take:

  1. Contact the Facility Association: If you have been denied coverage by several insurance companies, you may be eligible for insurance through the Facility Association. This is a government-established organization that ensures high-risk drivers have access to insurance coverage. You can contact them to see if you are eligible for coverage.
  2. Shop around: As with any other province or territory, different insurance companies have different underwriting guidelines and risk appetites in Ontario. Try shopping around with different insurers to see if you can find one that is willing to insure your car. You may also want to consider working with an insurance broker who can help you find an insurer that fits your specific needs.
  3. Consider a high-risk insurance policy: If you are considered a high-risk driver, you may be able to get insurance coverage through a high-risk insurance policy. These policies are typically more expensive, but they may be your only option if you have a poor driving record.
  4. Improve your driving record: If you have a poor driving record or a history of accidents or violations, insurance companies may be hesitant to insure you. In this case, you may want to focus on improving your driving record by taking defensive driving courses, practicing safe driving habits, and avoiding accidents and violations. This can help you get better rates on your insurance premiums in the long run.

What Classifies Me As a High-Risk Driver?


In Ontario, a high-risk driver is someone who is considered to be more likely to be involved in an accident and file a claim than the average driver. Insurance companies use a variety of factors to determine if someone is a high-risk driver, including:

  1. Driving record: If you have a history of accidents, traffic violations, or license suspensions, you may be considered a high-risk driver.
  2. Age and experience: Young drivers and those with less driving experience are often considered high-risk drivers, as they are statistically more likely to be involved in accidents.
  3. Type of car: Certain types of cars are more expensive to repair or replace, and are therefore considered riskier to insure.
  4. Location: Drivers who live in areas with high rates of accidents or car thefts may be considered high-risk.
  5. Insurance claims history: If you have a history of filing insurance claims, you may be considered high-risk.
  6. Credit score: In Ontario, insurance companies are allowed to use your credit score as a factor in determining your insurance premiums. If you have a poor credit score, you may be considered high-risk.

How Do I Shop for Auto Insurance Coverage?

Shopping for auto insurance coverage can seem overwhelming, but it’s important to do your research to find the best coverage and rates for your needs. Here are some steps to follow when shopping for auto insurance:

  1. Determine your coverage needs: The first step in shopping for auto insurance coverage is to determine what type and how much coverage you need. Ontario requires a minimum level of coverage, but you may want to consider additional coverage options such as collision, comprehensive, or liability coverage.
  2. Gather information: To get an accurate quote, you will need to provide information about yourself, your car, and your driving history. This may include your age, gender, marital status, driving record, type of car, and annual mileage.
  3. Get quotes from multiple insurers: Once you have determined your coverage needs and gathered the necessary information, it’s time to start shopping around for insurance quotes. Get quotes from at least three different insurers to compare coverage and rates.
  4. Compare coverage and rates: When comparing insurance quotes, make sure you are comparing the same coverage options and deductibles. Look for any discounts that may be available, such as a multi-car or safe driver discount.
  5. Research the insurer: Before choosing an insurance provider, do some research to ensure they are reputable and have a good customer service record. You can check the insurer’s rating on websites such as the Insurance Bureau of Canada or the Better Business Bureau.
  6. Review and sign the policy: Once you have chosen an insurer, review the policy carefully before signing to ensure you understand the coverage and any exclusions or limitations.
  7. Monitor and adjust coverage: It’s important to periodically review your coverage and rates to ensure you are still getting the best deal for your needs. You may need to adjust your coverage or switch providers if your circumstances change.

What Do I Do If None of The High-risk Providers Will Provide Me with Insurance?

If you have been denied car insurance coverage by multiple high-risk insurance providers in Canada, it can be challenging to find an insurer that will provide coverage. Here are some options you can explore:

  1. Contact your provincial government: Each province in Canada has a facility association that is responsible for providing insurance coverage to high-risk drivers who have been denied coverage by private insurance providers. You can contact your province’s facility association to see if you are eligible for coverage.
  2. Work with an insurance broker: An insurance broker can help you find an insurance provider that specializes in high-risk drivers or has more lenient underwriting guidelines. They can also negotiate with insurance companies on your behalf to try to find coverage.
  3. Consider other modes of transportation: If you are unable to obtain car insurance coverage, you may want to consider using other modes of transportation such as public transit, carpooling, or cycling.
  4. Improve your driving record: If you have a poor driving record, focusing on improving your driving habits and avoiding accidents and violations can help you become a lower risk driver and make it easier to find insurance coverage in the future.

How Long Will It Take for My Drivers Record to Become Clean?


In Canada, the length of time it takes for a driver’s record to become clean depends on the specific driving offense and the province or territory in which it occurred. Here are some general guidelines:

  1. Minor traffic offenses: Minor traffic offenses, such as a speeding ticket or failure to signal, usually stay on your driving record for 3 years in most provinces in Canada. After 3 years, the offense will typically be removed from your record.
  2. Major driving offenses: Major driving offenses, such as a DUI or a hit-and-run, can stay on your driving record for much longer and may even result in a criminal record. The length of time these offenses stay on your driving record varies depending on the province or territory and can range from 3 years to indefinitely.
  3. License suspensions: If your driver’s license has been suspended, the length of time it takes to clear your driving record will depend on the reason for the suspension and the province or territory in which it occurred. For example, in Ontario, a license suspension for a DUI stays on your record for 10 years.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.