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We can help
high-risk drivers

Considered a high-risk driver? Don’t worry, we work with every high-risk auto insurance company in Ontario, which means we have access to the best rates out there.

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What makes you a high-risk driver?

All drivers in Ontario (even high-risk ones) have a right to coverage. We can help you lower your rates through telematics and more. Here are some things that might make you a high-risk driver:

Speeding ticket

Three or more tickets

Car accident

Two or more at-fault accidents

Missed payment

Being cancelled for non-payment


A serious conviction like a DUI or distracted driving

Driving suspension

A license suspension

Cancel coverage

Being cancelled for lying

There are combinations as well. For example, one at-fault accident and two tickets might do it. Being under 25 or a new driver won’t make you high-risk by themselves, but they also don’t help.

What can you expect once you’re labelled high-risk?

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Some companies will refuse to insure you, and others may quote you double or triple your old rate, depending on your record.


The good news is that there are insurers that specialize in high-risk auto insurance, and they will offer you the best possible rates given your record.


Saving on high-risk auto insurance may not be as easy as saving on a normal policy, but it’s still possible and we can help.

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We can find you the best high-risk insurance

Mitch works with all the high-risk insurers. So when you call us for a quote, you can feel good knowing that we’ll find the best price that’s out there for you. See the full list of companies we shop on your behalf.

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CAA, Intact, Aviva, Wawanesa, Economical, Jevco, Travelers, and RSA Insurance logos.
Hagerty, Pembridge, Gore Mutual, Coachman, Pafco, Chieftain and Echelon Insurance logos.

Good to know: Common questions about high-risk auto insurance

Your price will depend on your record, and high-risk insurance will almost always cost more than standard insurance. But instead of paying double or triple your regular premium, we might be able to limit the increase to 50%.

The high-risk label also means that most insurance companies will limit the amount of coverage they offer. You won’t get accident forgiveness.

Once you become a Mitch customer, we track when your tickets and at-fault accidents come off your record, and you can rest assured that we’ll place you with a regular market insurer as soon as we can.

  • Tickets (even DUIs) stay on your record for three years
  • Suspensions stay three years from the end of the suspension
  • Cancellations stay for three years
  • At-fault accidents usually stay for six years

Remember that high-risk is not forever. We can get you the coverage you need today, and we’ll also give you great advice and guidance to help you get back on the road to more budget-friendly rates. Call us for a free quote.

What our customers say

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