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<figure><img alt="a car on high risk metre" src="https://api.myinsurancebroker.com/uploads/High_risk_driver_b35013e240.png"></figure>

<p>Accidents happen. So do missed payments, speeding tickets and honest mistakes. And in Ontario and Alberta, even a few missteps can land you in the high-risk or non-standard auto insurance category.</p>
<p>What does that mean for you?</p>

<p>According to Tom Badwal, VP of Underwriting at My Insurance Broker, high-risk drivers in Ontario pay an average of $7,000/year, with the most extreme cases reaching premiums as high as $28,000/year for one car.</p>
<p>Whether you’re already in the high-risk category or trying to avoid it, here’s what you need to know to stay protected and save money.</p>

<h2>What Is High-Risk (Non-Standard) Auto Insurance?</h2>
<p>High-risk auto insurance, also known as non-standard auto or Facility insurance, applies to drivers who find themselves being rated or considered high risk for a variety of reasons. Common reasons for being placed in this category include:</p>
<ul>
    <li>Multiple tickets or infractions (e.g., speeding, distracted driving)</li>  
    <li>Multiple At-fault accidents</li> 
    <li>Missed payments or policy violation cancellation</li>   
    <li>License suspensions or charged with DUI</li>
    <li>Inexperienced to drive certain types of vehicles, typically commercial vehicles</li>
    </ul>
    <h2>How Much More Does High-Risk Insurance Cost?</h2>
    <p>High-risk insurance can cost significantly more than standard auto coverage - up to 300% more. Here's a breakdown based on recent data:</p>
    
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    <th>Risk Level</th>
    <th>Average Annual Premium</th>
    <th>Notes</th>
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    <td>Standard Driver</td>
    <td>~$2,000 – $3,000</td>
    <td>Depends on age, location, vehicle, driving record</td>
  </tr>
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    <td>High-Risk Driver</td>
    <td>Christina Berglund</td>
    <td>Sweden</td>
  </tr>
  <tr>
    <td>Centro comercial Moctezuma</td>
    <td>~$7,000+</td>
    <td>Based on MIB portfolio data</td>
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<p>Not all insurers offer non-standard coverage, and those who do may require:</p>
<ul>
    <li>Higher deductibles</li>  
    <li>Large upfront payments</li> 
    <li>Limited coverage options</li>   
</ul>

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<h2>How Long Will I Be Considered High-Risk?</h2>
<p>The good news? It’s not forever. According to Tom Badwal, here's how long incidents impact your rating:</p>
<ul>
    <li>Convictions (e.g., speeding tickets, infractions): 3 years</li>  
    <li>At-fault claims: Up to 6 years</li> 
 </ul>
 <p>If you maintain a clean driving record, pay your premiums on time, and avoid new infractions, you’ll typically return to standard auto insurance rates within 3 to 6 years.</p>
 <h2>Can You Avoid Becoming High-Risk?</h2>
<p>Yes! And prevention is key. Here’s how to stay in the standard category:</p>
<ul>
    <li>Pay your auto insurance premium on time, every time</li>  
    <li>Avoid distracted or aggressive driving</li> 
    <li>Keep your insurance coverage continuous (no gaps)</li>
    <li>Don’t let your policy get cancelled, especially for non-payment</li>
    <li>Drive defensively and responsibly</li>
</ul>
 <h2>How MIB & Evolve Insurance Help High-Risk Drivers</h2>
 <ul>
 <p>At My Insurance Broker, we believe protection shouldn’t be out of reach. Through our non-standard division, Evolve Insurance, we support high-risk drivers in: </p>
    <li>Compare quotes from multiple high-risk providers</li>  
    <li>Clarify your options in simple language</li> 
    <li>Advocate for better terms as your record improves</li>
    <li>Ensure you're always protected, even when others say no</li>
</ul>
 <p>“It’s not just about price. It’s about helping you keep moving forward safely, confidently and responsibly.” ~ Tom Badwal, VP of Underwriting at My Insurance Broker</p>
 
<h2>Final Thoughts</h2>
<p>Being labeled high-risk isn’t the end - it’s a temporary status with a path forward.<p>
<p>Whether you’re:</p>
<ul>
    <li>A parent helping your teen or family member get insured</li>  
    <li>Someone who needs a fresh start after financial or driving setbacks</li> 
    <li>A newcomer trying to build insurance history</li>
    <li>Or just looking for expert advice</li>
</ul>
<p>We’re here for you.</p>
<h2>Need help with high-risk auto insurance in Ontario or Alberta?</h2>
<p>Call our team at 1‑833‑386‑0023 or visit evolveinsurance.ca to get started or refer someone who needs support.</p>

High-Risk Auto Insurance in Ontario & Alberta: What You Need to Know 

<figure><img alt="automated speed camera" src="https://api.myinsurancebroker.com/uploads/automated_speed_camera_5b2786250c.jpg"/></figure>
<p>Love them or hate them, automated speed enforcement (ASE) cameras are becoming a regular part of driving life in Ontario.</p>
<p>If you’ve been caught off guard by one recently (or gotten a ticket in the mail), you’re not alone. These roadside reminders are doing more than issuing fines — they’re actually changing how Ontarians drive.</p>
<h2>Where Are Speed Cameras Being Installed?</h2>
<p>Toronto and other Ontario municipalities are actively adding more ASE cameras in:</p>
<ul>
    <li>School zones</li>  
    <li>Residential areas</li>  
    <li>Community safety zones</li>
    <li>Intersections with known crash histories </li>
</ul>
<p>As part of Vision Zero road safety programs, the City of Toronto alone deployed cameras in 250+ school zones between 2020 and 2023, with more rolling out in 2025.</p>
<h2>What the Research Shows</h2>
 </p>According to a <b>SickKids-led</b> study published in <i>Injury Prevention Magazine</i>:</p>
 <ul>
    <li>ASE cameras cut speeding by 45% in school zones</li>  
    <li>The average vehicle speed dropped by 10.7 km/h</li>  
    <li>Speeders going more than 20 km/h over the limit dropped by a massive 88%</li>
</ul>
 
<p>And a CAA South Central Ontario survey in 2025 found: </p>
<ul>
    <li>73% of Ontario drivers slow down when they see a speed camera</li>  
    <li>23% have received a ticket (up from 17% in 2024)</li>  
    <li>Many are changing driving routes to avoid them</li>
</ul>
<h2>Are Speed Cameras Helping?</h2>
<p>Yes - and not just for safety. Toronto city councillors and road safety experts say the cameras are doing their job:</p>
<ul>
    <li>Fewer crashes in high-risk zones</li>  
    <li>Lower speeds near schools</li>  
    <li>Cultural shift toward cautious driving </li>
</ul>
<p>Even those frustrated by the fines admit: the cameras make them slow down.</p>

<h2>What About My Insurance?</h2>
<p>While ASE tickets don’t come with demerit points, insurers still consider them, especially if they become habitual.</p>
<h3>Here’s what to keep in mind: </h3>
<ul>
    <li>Speed camera tickets may not impact your rate immediately, but multiple infractions can increase your risk category</li>  
    <li>High-risk drivers (aka “non-standard auto”) often pay 25–50% more in premiums</li> 
    <li>Avoiding tickets = keeping your premiums as low as possible</li>
</ul>
<h2>How MIB Can Help</h2>
<p>At My Insurance Broker, we work with  25+ top Ontario insurers to help: </p>
<ul>
    <li>High-risk or ticketed drivers get back on track</li>  
    <li>Safe drivers stay rewarded</li>  
    <li>Everyone find the best rate for their real-life driving</li>
</ul>
<p>Whether you're dealing with your first ticket or you're unsure how enforcement affects your profile, we’re here to help you navigate it all.</p>

<h2>Final Thought</h2>
<p>Speed cameras are here to stay, and if they’re helping reduce crashes and save lives, that’s a win. But even if you're a careful driver, it pays to understand how these systems affect your insurance. And MIB can make sure you’re still in control. Call us at <a href="tel:18554825001">1-855-482-5001</a> or email us at <a href="mailto:info@myinsurancebroker.com">info@myinsurancebroker.com</a> for review your coverage and get a quote.</p>

Speed Cameras Are Expanding in Ontario — And Your Insurance Might Feel It

<figure class="image"><img src="https://api.myinsurancebroker.com/uploads/topstolencars_dfcc7ac83d.png" alt=""></figure><p>If you’re a car owner, you're probably aware of the escalating threat of vehicle theft in our country. With car thieves zeroing in on specific makes and models, often in particular areas, it's become imperative to take proactive steps to secure your asset. In this article, we'll delve into the concerning surge in auto theft across Canada and guide you through essential measures to shield your vehicle.</p><p>According to Toronto Police Services, a staggering 9,600 vehicles were stolen in 2022 alone. A 2023 report from the Canadian Finance and Leasing Association revealed that, on average, a car is stolen every six minutes, underscoring the urgency of safeguarding your investment. The surge in auto theft can be attributed to organized crime rings exploiting Canadian ports to export stolen cars internationally. These illicit activities fund a range of criminal endeavours. The Équité Association, a not-for-profit organization specializing in insurance fraud and crime investigations, reported that the insurance industry suffered losses exceeding $1 billion in 2022 from vehicle theft claims a significant increase from the $700 million recorded in 2021.</p><p>Luxury SUVs, particularly those manufactured after 2017, are prime targets due to their advanced technology and high resale value. The specific trends in car theft vary by province, with Ontario seeing a notable increase in Lexus thefts due to its prevalence in cities like Toronto, while trucks like the Ford F-350 are common targets in Alberta and Western Canada, particularly in farming communities. It’s vital to be aware of the top 10 stolen vehicles in the country:</p><ol><li>Honda CR-V (2016-2021)</li><li>Lexus RX Series (2016-2021)</li><li>Ford F150 Series (2015-2020)</li><li>Honda Civic (2016-2021)</li><li>Toyota Highlander (2013-2019)</li><li>Ram 1500 Series (2011-2018)</li><li>Chevrolet/GMC Silverado/Sierra 1500 (1999-2006)</li><li>Honda Accord (2018-2021)</li><li>Jeep Grand Cherokee</li><li>Toyota RAV4 (2013-2018)</li></ol><p><i>(source: Équité Association)</i></p><p>These vehicles are particularly targeted by thieves, making it even more essential to implement robust security measures to protect your car.</p><figure class="image"><img src="https://api.myinsurancebroker.com/uploads/Whats_App_Image_2023_10_03_at_10_08_04_2069cdfa_670aa5707c.jpg" alt=""></figure><p>To protect your vehicle effectively and potentially qualify for reduced insurance premiums, consider implementing the following measures in addition to installing a GPS tracking device and an anti-theft system:</p><ul><li><strong>Steering Wheel Locks:</strong> These visible deterrents make it challenging for thieves to drive away with your vehicle quickly.</li><li><strong>Secure Parking:</strong> Opt for well-lit parking areas monitored by guards and/or security cameras. For vehicles with keyless start features, use enclosed garages when possible.</li><li><strong>Valuables:</strong> Never leave keys or valuable items in plain sight within your car, as items like laptops, smartphones, or bags can tempt thieves.</li><li><strong>Lock and Roll:</strong> Always lock your vehicle and roll up your windows when parking.</li><li><strong>Key Fob Protection:</strong> Store your key fob away from doors and windows or use a signal-blocking bag or pouch.</li><li><strong>Immobilizer:</strong> Consider installing an immobilizer to prevent hotwiring, a technique where thieves bypass the ignition system to start the engine.</li></ul><p>In the unfortunate event of your car being stolen, prioritize your safety and, if necessary, comply with the thieves. Promptly report the theft to the police, providing essential details and any security footage available. Contact your insurer without delay and share relevant information to facilitate recovery efforts or valuation procedures.</p><p><i>(source: The Globe &amp; Mail)</i></p>

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High-Risk Auto Insurance in Ontario & Alberta: What You Need to Know

Speed Cameras Are Expanding in Ontario — And Your Insurance Might Feel It

Auto Theft Epidemic: Is Yours One Of The Most Stolen Car Models In Canada?