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Car Insurance for High-Risk Drivers

Find car insurance, even if you’re considered high risk driver.

Has no insurer been willing to cover you? With ClicAssure, you can compare car insurance for high-risk drivers in just a few minutes. We help connect you with insurers that are willing to consider your situation and work on your behalf to find the most affordable car insurance possible, even with a high-risk profile. 

Being identified as a high-risk driver can make it harder to obtain car insurance, but it doesn’t mean you’re out of options. At-fault accidents, repeated traffic violations, impaired driving, licence suspensions, or policy cancellations can all make finding coverage more difficult and more expensive. 

👉 Get a free quote today and find coverage that fits your situation.

Car Insurance for High-Risk Drivers

High-Risk Drivers : Get Cheap Car Insurance Online

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FAQ about Car Insurance for High-Risk Drivers

1. What Is Car Insurance for High-Risk Drivers?

Car insurance for high-risk drivers is designed for motorists whose driving record or insurance history makes them less attractive to standard insurance companies.

You may be considered a high-risk driver if you have:

  • Multiple at-fault accidents
  • Repeated tickets or serious traffic violations
  • A licence suspension or revocation
  • An impaired driving conviction
  • A cancelled or non-renewed insurance policy

Even in these situations, car insurance remains mandatory, and solutions do exist.

2. Why Are Some Drivers Considered High Risk?

Insurance companies evaluate risk based on the likelihood of future claims. Certain factors increase this risk, including:

  • Frequent or costly claims
  • Serious or repeated driving offences
  • Gaps in insurance coverage
  • Driving without valid insurance

Being classified as high risk often results in:

  • Higher insurance premiums
  • Fewer insurer options
  • Stricter policy conditions (higher deductibles or payment requirements)

That’s why comparing insurers is essential.

3. How Does High-Risk Car Insurance Work?

Car insurance for high-risk drivers:

  • Typically costs more than standard insurance
  • Is often offered by specialized or last-resort insurers
  • May include stricter payment terms or conditions

Rates and conditions can vary significantly from one insurer to another. ClicAssure allows you to compare these offers in one place, saving you time and helping you avoid unnecessary refusals.

4. Who Is High-Risk Car Insurance For?

This type of insurance is intended for:

  • Drivers with a poor or limited driving record
  • Drivers who have been declined by traditional insurers
  • Drivers returning to the road after a licence suspension
  • Drivers required to provide proof of insurance 

If you’ve been refused elsewhere, you still have options. 

5. Why Compare with ClicAssure?

With ClicAssure, you can:

  • Compare insurers that accept high-risk drivers
  • Avoid applying to insurers that won’t consider your profile
  • Save time with one simple online form
  • Access specialized and last-resort insurers

We help match your situation with insurers that are actually willing to insure you, without judgment.

6. Can You Lower Your High-Risk Insurance Over Time?

Yes. Many drivers eventually return to standard insurance rates by:

  • Maintaining a clean driving record
  • Avoiding new tickets or claims
  • Keeping continuous insurance coverage
  • Respecting the waiting periods required by insurers

Comparing your insurance regularly helps ensure you’re not paying more than necessary for longer than needed.

7. Get Covered Today, Even If You’re High Risk

No matter your driving history, you are legally required to carry car insurance and you deserve access to a solution that works for you.

With ClicAssure, compare car insurance for high-risk drivers and find coverage that fits your situation, quickly and at no cost.