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High risk auto insurance

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.

Talk to your Desjardins Agent to find out what we can do for you if you need high risk auto insurance.

What if you are in a high risk group for car insurance?

Even if you need high risk auto insurance now, there 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.
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