High-risk insurance in Ontario isn’t a permanent label, but how long you remain classified as high-risk depends on your driving record and the nature of the infractions that led to the classification.
Typically, most high-risk drivers must maintain this type of coverage for three to six years from the date of their last major infraction or conviction. For example:
- DUI or impaired driving conviction: Usually remains on record for at least 6 years.
- Multiple at-fault accidents: May keep you high-risk for 3–5 years.
- Serious traffic violations or license suspensions: Often affect rates for 3 years.
During this period, your driving record is closely monitored by insurers. Every year you go without further accidents, tickets, or claims helps improve your profile. Some insurers even reduce premiums gradually after one or two clean years, though the official high-risk designation may still remain until the term ends.
Aaxel Insurance Brokers can track your file and re-market your policy as soon as your risk status improves. This means you won’t be stuck paying high-risk premiums a day longer than necessary. They also help ensure you meet all policy requirements—like reporting address changes or vehicle use accurately—to avoid issues that could extend your high-risk status.
In short: While high-risk insurance in Ontario can last years, it’s not forever. With safe driving habits and guidance from an experienced broker, you can return to standard rates sooner.
