High-risk car insurance in Ontario is more costly due to several factors. Drivers considered high-risk typically have a history of accidents, traffic violations, or insurance claims, which makes them statistically more likely to file future claims. This higher likelihood of risk leads insurers to charge higher premiums to offset potential payouts. Additionally, Ontario has strict insurance regulations, which require mandatory coverage, further contributing to higher costs. The province’s high population density and busy roadways also increase the chance of accidents, adding to the risk. Moreover, Ontario’s no-fault insurance system means that insurance companies often bear the cost of accidents regardless of fault, which leads to higher premiums across the board. Finally, factors such as the driver’s age, driving history, vehicle type, and location can influence the cost, making high-risk insurance rates higher to ensure adequate protection for both the driver and the insurer.