In Ontario, you may be considered a high-risk driver if your driving history indicates a greater likelihood of filing an insurance claim. This status isn’t limited to reckless drivers — even those with a few bad years on record can fall into the high-risk category.
Common factors that make someone high-risk include:
- Multiple at-fault accidents within a few years
- Frequent traffic tickets for speeding, distracted driving, or other infractions
- Criminal driving offences like impaired driving or dangerous driving
- License suspensions for any reason
- Lapses in auto insurance coverage
- Being a new or inexperienced driver with limited driving history
Once labeled high-risk, you may face higher premiums, fewer insurance options, and stricter policy conditions. However, high-risk status is not permanent — most insurers review your record every year, and infractions typically drop off after 3–6 years, depending on the severity.
At Aaxel Insurance Brokers, we help high-risk drivers understand their current status, find the most affordable coverage available, and work toward improving their profile over time. We also educate clients on how to avoid further issues, such as paying attention to demerit points, avoiding distracted driving, and renewing policies on time.
Our goal is to help you transition from a high-risk category back to standard insurance rates while keeping you protected on the road.
