High Risk Auto Insurance from State Farm®

Let's be honest. Some cars and drivers are simply more likely to get into accidents than others. And the fact that they're high risk is reflected in their car insurance premiums.

Your driving record will determine if you need high risk car insurance. For example, if you've been convicted of driving under the influence of drugs or alcohol or have multiple speeding tickets or at fault accidents, you may be placed in a high risk category, requiring special high risk auto insurance. Accidents or tickets vary by province as to the time period they are counted for rate purposes.

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What if You Are in a High Risk Group for Car Insurance?

So what can you do if you're in a high risk group for car insurance?

Even if you need high risk auto insurance now, here are some steps you can take that may lower your cost:

  • Follow all traffic laws. Going three years without a ticket may result in a decrease in your premium.
  • Drive defensively. Discounts may be available if you can avoid an accident for six years or more.
  • Trade in your car for a model with a better safety record or safety features.

Talk to an agent to find out what State Farm can do for you if you need high risk auto insurance.

Check out our Learning Centre for tips on safe driving.


State Farm Mutual Automobile Insurance Company
Aurora, Ontario