The “best” insurance for a high-risk driver is one that balances comprehensive protection, affordability, and flexibility. Since high-risk drivers have limited options with traditional insurers, the key is finding a company — through a broker like Aaxel Insurance Brokers — that specializes in high-risk policies.
Ideal high-risk auto insurance should include:
- Liability coverage that meets or exceeds Ontario’s minimum requirements
- Accident benefits to protect you and your passengers after an accident
- Collision coverage to repair or replace your vehicle
- Comprehensive coverage for theft, vandalism, and weather-related damage
- Optional loss of use and non-owned automobile coverage
Many high-risk drivers are placed in Ontario’s Facility Association, which provides coverage for those rejected by standard insurers. While this ensures you can legally drive, Facility Association premiums are often higher. Aaxel Insurance Brokers can sometimes find specialty insurers who offer lower rates than the Facility Association, along with more customizable coverage.
Choosing the best high-risk policy is not just about cost — it’s about getting the right protection for your needs. We assess your risk profile, shop the market on your behalf, and recommend policies that give you peace of mind while you work to rebuild your driving record.
With the right broker, you can turn a challenging situation into a manageable one, ensuring you’re protected on the road without overpaying for coverage you don’t need.
