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Send Three insurers decline you in a week, and the one quote you do get is triple last year’s premium. That is what the high-risk label looks like from the driver’s seat, and it usually follows one bad stretch: an at-fault accident, a run of tickets, a policy cancelled over a missed payment or an impaired-driving charge. Ratehub.ca’s 2026 price test put a careless-driving conviction at $9,588 a year for a Toronto driver whose clean-record quote was $2,761 (Ratehub.ca, August 2026). The label isn’t permanent, and the first number you’re quoted is rarely the lowest one available to you. This guide covers who gets rated high-risk, what coverage costs in each province, where the Facility Association fits, and the specific steps that move you back to standard rates.
Three insurers decline you in a week, and the one quote you do get is triple last year’s premium. That is what the high-risk label looks like from the driver’s seat, and it usually follows one bad stretch: an at-fault accident, a run of tickets, a policy cancelled over a missed payment or an impaired-driving charge. Ratehub.ca’s 2026 price test put a careless-driving conviction at $9,588 a year for a Toronto driver whose clean-record quote was $2,761 (Ratehub.ca, August 2026). The label isn’t permanent, and the first number you’re quoted is rarely the lowest one available to you. This guide covers who gets rated high-risk, what coverage costs in each province, where the Facility Association fits, and the specific steps that move you back to standard rates.
Key takeaways
- Passenger vehicle insurance premiums rose 23.9% between December 2019 and December 2025 (Statistics Canada, June 2026). A high-risk record multiplies whatever base your province starts from.
- On one Toronto profile, a non-payment cancellation added 52%, an at-fault accident 86% and a careless-driving conviction 247% to a $2,761 clean-record premium (Ratehub.ca, August 2026).
- The Facility Association operates in Ontario, Alberta, the four Atlantic provinces and the three territories. BC, Saskatchewan, Manitoba and Quebec run their own systems (Facility Association, 2026).
- There is no SR-22 in Canada. It is a US filing, and no Canadian insurer issues one.
- Minor convictions count for three years and at-fault accidents for six, so most drivers with a clean stretch return to standard rates within three to six years (FSRA, 2026).
What high-risk auto insurance is
High-risk auto insurance, also called high-risk car insurance or non-standard insurance, is ordinary car insurance sold to drivers the standard market considers more likely to file a claim. It is not a separate product. You buy the same mandatory liability and accident benefits as everyone else. What changes is the premium, the payment terms, and how many insurance companies are willing to quote you at all.
Ontario’s regulator defines high-risk drivers as people who “have had many convictions or at-fault accidents, had policies cancelled because they have not paid their premiums or have other risk-related characteristics,” and adds that “high-risk also means high auto insurance rates” (FSRA, 2026). The operative word is pattern. One speeding ticket rarely moves you out of the standard market. Three in a three-year window usually do, and a single impaired-driving conviction does it on its own.
Every private-insurance province has the same ladder. Standard insurers price most records with a surcharge. Non-standard insurers write the records standard companies decline. The Facility Association, the industry’s insurer of last resort, takes whoever is left. Where you land depends on your record and on which insurers a broker actually asks, so before you accept a renewal or a Facility placement, compare car insurance quotes to find out whether every insurer rates you high-risk or just your current one.
What makes you a high-risk driver
Insurers don’t rate character. They rate claim probability, and nine things on a record raise it:
- A Criminal Code conviction. Impaired driving (DUI), dangerous driving or driving while prohibited puts most standard insurers off outright. Expect the non-standard market or the Facility Association for at least three years from the conviction date.
- Careless or stunt driving. Careless driving is a major conviction in Ontario. In Ratehub’s 2026 test it lifted the same Toronto driver’s premium by 247%.
- Repeat tickets. Two or three minor convictions inside the three-year lookback turn a surcharge into a decline at many insurers. Our guide to speeding tickets and car insurance shows which ones are worth fighting.
- More than one at-fault accident. One at-fault claim raises your rate at renewal. Two inside six years usually means non-standard pricing. Accident forgiveness protects the first one only, and only with the insurer that sold it.
- A policy cancelled for non-payment. Insurers read a non-payment cancellation the way lenders read a missed loan payment. Many will only take you back with the full annual premium paid up front, and some won’t take you at all.
- A licence suspension. Administrative or court-ordered, a suspension stays in most insurers’ rating for six years and reads as a major event to underwriters, even if you never drove during it.
- A gap in coverage. Time without insurance, even with no car, resets your insured-years clock. A letter of experience from your last insurer limits the damage when you come back.
- Little or no insurance history. New drivers and newcomers start without a record insurers can price. That’s a group rating, not a judgment, and it fades fastest of all. See our guide to car insurance for new drivers.
- Misrepresentation. An undeclared driver, accident or address can void a policy. It is recorded as a cancellation for material misrepresentation, which follows you exactly like a non-payment.
Most drivers in the high-risk insurance market have two or three of these at once. That is why one company’s surcharge is another company’s decline, and why the order in which you shop matters.
What high-risk auto insurance costs by province
There is no single high-risk price. The surcharge scales with what is on your record, and it multiplies a base that changes at every provincial border. Ontario’s average premium was $2,068 a year in December 2024, Alberta’s $1,818 and Quebec’s $1,044 (Statistics Canada, April 2025). Premiums kept climbing after that: passenger vehicle insurance was up 23.9% nationally between December 2019 and December 2025 (Statistics Canada, June 2026).
| Province | Average annual premium (Dec 2024) | 10-year annual growth |
| Ontario | $2,068 | 3.5% |
| Alberta | $1,818 | 6.6% |
| British Columbia | $1,522 | 0.9% |
| Saskatchewan | $1,361 | 2.3% |
| Atlantic Canada | $1,259 | 4.5% |
| Manitoba | $1,235 | 3.8% |
| Quebec | $1,044 | 4.3% |
Quebec’s figure covers private vehicle-damage coverage only, because injury coverage is paid through SAAQ registration fees. A record that doubles a Quebec premium can still cost less than a clean-record policy in Toronto, which is why the province you register in matters more than any discount.
What a record adds to the base
Provincial averages include every driver. To isolate what a record does, Ratehub.ca priced one profile, a 30-year-old man in Toronto driving a 2023 Toyota Corolla with $1,000 deductibles, $1 million in liability and no telematics or bundling discounts, with four different records (Ratehub.ca, August 2026):
| Record | Annual premium | Change |
| Clean driving record | $2,761 | baseline |
| Policy cancelled for non-payment | $4,183 | +52% |
| One at-fault accident | $5,122 | +86% |
| Careless driving conviction | $9,588 | +247% |
That is one profile, in one city, with one set of insurers, so your number will differ. Treat the percentages as the shape of the surcharge, not a quote.
High-risk auto insurance in Ontario
Ontario has the most registered vehicles in Canada (Statistics Canada, April 2025), the highest average premium, and the most detailed rules for drivers with a record.
What Ontario drivers actually pay
Ontario’s regulator put the province-wide average premium at about $2,164 a year in late 2025 (FSRA, 2026), before any surcharge. On top of that base, ThinkInsure’s rolling 12-month pool of Ontario high-risk quotes averages about $8,154 a year, or roughly $680 in monthly payments (ThinkInsure, 2026). That pool is a broker’s own book of difficult records, so it runs high, but it matches what drivers report. On r/ontario, a driver quoted after an at-fault accident was told “$900 a month sounds about right” and to expect it “for a few years until you establish a record of driving without causing” a claim.
Why the first Ontario quote is rarely the last
The spread between insurers is widest exactly when your record is worst. Rates.ca’s live feed of high-risk quotes on September 10, 2026 showed the cheapest quote coming in 20% to 43% below the average quote for the same young Ontario driver, a difference of $1,377 to $3,524 a year (Rates.ca, September 2026). Ontario’s non-standard carriers, Pafco, Jevco, Coachman and Echelon among them, each price a record differently, and the Facility Association sits behind all of them at a single filed rate. Get Ontario car insurance quotes from at least one broker and one direct writer before you accept a Facility placement.
The Ontario clocks
Insurers in Ontario can consider at-fault accidents for six years and convictions for three (FSRA, 2026), and a conviction is dated from the day the court records it, not the day you were pulled over. Demerit points are a separate system: they stay on your Ministry of Transportation record for two years from the offence date (Ontario.ca, 2026), and it is the conviction behind them, not the points, that moves your premium. Two Ontario rules also change what you can expect from an insurer: the Take-All-Comers rule and the July 2026 accident-benefits reform. Both have their own sections further down.
Where high-risk drivers get covered
There are four doors, in the order a good broker tries them. Most drivers never need the last one.
1. Standard insurers, re-quoted
Mainstream insurers price many records with a surcharge instead of a decline. Each one files its own underwriting rules with the regulator, so the same record can be an automatic no at one company and a manageable extra premium at the next. Most drivers with one accident or a couple of tickets belong here. Have a broker try every standard market before quoting anything else.
2. Non-standard (specialty) insurers
Some insurers write difficult records on purpose, almost always through brokers: Pafco, Jevco, Coachman and Echelon in Ontario, plus the specialty arms of some larger carriers. Prices sit between the standard market and Facility, with stricter terms: higher deductibles, limits on collision coverage for older cars, and a deposit or full annual payment after a cancellation. This is where the difference between an insurance broker and an agent matters most. An agent quotes one company. A broker who works this market weekly knows whose appetite is open this year.
3. The Facility Association
The residual market: an insurer pool that every auto insurer in nine jurisdictions must belong to, which guarantees the mandatory policy to eligible drivers no one else will write. It’s a floor, not a destination. The next section explains why every broker quotes you the same Facility price.
4. Public insurers and Quebec’s pool
In British Columbia, Saskatchewan and Manitoba, a Crown insurer sells the basic policy to every licensed driver, so you can’t be refused basic coverage. In Quebec, the Groupement des assureurs automobiles (GAA) guarantees the $50,000 civil liability minimum. You still pay for your record, through different mechanisms: ICBC’s Driver Risk Premium, SGI’s Safe Driver Recognition penalties, MPI’s Driver Safety Rating and Quebec’s Risk Sharing Plan. The province section below has the figures.
The Facility Association, explained
What it is
Facility Association is an unincorporated non-profit association of insurers. It operates in Yukon, Nunavut, the Northwest Territories, Alberta, Ontario, Nova Scotia, New Brunswick, Prince Edward Island and Newfoundland and Labrador, and every insurer licensed to write auto liability insurance in those jurisdictions is a member (Facility Association, 2026). It runs two mechanisms. The Facility Association Residual Market (FARM) is the one drivers see: member insurers acting as servicing carriers issue the policy, collect the premium and adjust the claims on behalf of the whole industry. Risk Sharing Pools in Ontario, Alberta, New Brunswick, Nova Scotia and Newfoundland and Labrador are the one drivers don’t see: an insurer writes you at its own approved rate and quietly transfers the risk to the pool. Across Canada, the residual market covered more than 122,000 vehicles in 2025, about $520 million in premium (Canadian Underwriter, 2026). It does not operate in British Columbia, Saskatchewan, Manitoba or Quebec.
Why every Facility quote is the same price
Every FARM policy is subject to the Facility Association’s own rules, rates and classification, and those rules and rates need regulatory approval in each jurisdiction (Facility Association, 2026). That answers the most common Reddit question about Facility: a second broker cannot find you a cheaper Facility quote, because there is only one Facility rate for your record. The same goes for monthly payments. A Facility payment plan is a Facility rule, not a broker’s favour. Shopping matters before Facility, among the standard and non-standard insurers, not inside it. FSRA’s consumer page puts the cost plainly: Facility insurance “costs a lot more than regular auto insurance” (FSRA, 2026). Drivers on r/PersonalFinanceCanada describe the gap the same way: “high risk is 4-7k a year, Facility is 10k+.”
How you leave
The Facility Association describes its own goal as “minimizing our market presence and impact” so that drivers can return to a competitive standard market (Facility Association, 2026). Brokers are expected to try every other market before placing you there, and to re-market you at each renewal. Ask for that in writing when the policy is issued: which insurers were tried, which rule declined you, and when the broker will try again. Then compare quotes yourself before every Facility renewal. A Facility policy does one thing well: it counts as continuous coverage. If you value staying legally insured through a bad stretch without a gap on your record, a Facility year fits. If you value price, it never does.
High-risk auto insurance outside Ontario
The rules change at every provincial border. Four systems give four different answers to “can I be refused?” and “how do I pay for my record?”
Alberta
Alberta’s average premium was $1,818 in December 2024 and rose faster than any other province’s over the decade, at 6.6% a year (Statistics Canada, April 2025). In 2026 the Grid still caps the basic premium an insurer can charge a high-risk driver, and the province’s 7.5% good-driver rate cap excludes anyone with a minor conviction in the past three years (Alberta.ca, 2026). Both change on January 1, 2027. Alberta repeals the Grid with its move to the Care-First system (Canadian Underwriter, June 2026) and replaces the good-driver cap with a 10% cap on individual renewal increases, which a new at-fault accident can remove (Alberta.ca, 2026). That makes a 2027 renewal worth comparing line by line.
British Columbia, Saskatchewan and Manitoba
Crown insurers sell basic coverage to every licensed driver, so there is no Facility Association and no decline. Your record is billed separately instead. ICBC’s Driver Risk Premium is $1,108 a year for one Criminal Code conviction, $4,602 for two and $9,988 for three, and it is billed even if you don’t own a car (ICBC, 2026). SGI’s Safe Driver Recognition program charges $50 for each point in its penalty zone, up to $1,000 (SGI, 2026). MPI’s Driver Safety Rating scale runs from +20 down to minus 20, and a driver at the bottom climbs seven levels after one year of safe driving (MPI, 2026). Our guide to public vs private car insurance explains what you can and can’t shop for in these provinces.
Atlantic Canada
New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland and Labrador run private markets with the Facility Association as the backstop, and an average premium of $1,259 in December 2024 (Statistics Canada, April 2025). Nova Scotia’s liability minimum is $500,000, against $200,000 elsewhere in the region (Insurance Bureau of Canada, 2026), which raises the floor of even a Facility policy. In a smaller market, a broker with Atlantic contracts is worth more than a single-company quote.
Quebec
Quebec has no Facility Association, and no one can be refused the mandatory $50,000 civil liability: the GAA guarantees it through its Risk Sharing Plan (GAA, 2026), and its information centre steps in once five insurers or brokers have turned you down (GAA, 2026). The private premium averaged $1,067 in 2025 (GAA, 2025), and the SAAQ covers injuries whatever your record. Our French guide covers the Quebec system in full: assurance auto haut risque au Québec. For English quotes, see Quebec car insurance quotes.
How to lower a high-risk premium
None of these erase a record. Each one narrows the gap between the first quote and the lowest one available to you, and that gap is widest when your record is worst.
- Shop every renewal, starting with this one. Insurance companies’ appetite for non-standard business shifts every year. The company that declined you last year may quote you this year, and a renewal you accept unread is the most expensive one you’ll ever sign.
- Use a broker who works the non-standard market. Direct writers quote one company. A broker with Pafco, Jevco, Coachman or Echelon contracts can place a record a standard insurer won’t touch. Ask which markets they hold before you count their quote as shopping.
- Keep coverage continuous, even without a car. A lapse resets your insured years and reads as a second problem. If you sell the car in Ontario, a non-owner policy keeps your insurance history alive for a fraction of a full premium.
- Fix the payment history first. After a policy is cancelled for non-payment, insurers want proof you’ll pay. Pay the year up front if you can, or set up automatic withdrawals and never miss one. After three clean years, most insurers stop counting the cancellation.
- Raise the deductible only if you have the cash. A higher deductible lowers the premium because you carry more of every claim, and it only works if you could pay it tomorrow. Our car insurance deductible guide shows the break-even.
- Drop collision on an old car, keep liability high. Non-standard insurers often restrict collision on older vehicles anyway. Liability of $1 million or more costs little extra and protects you where a high-risk record hurts most: a lawsuit.
- Try telematics, but only a program that can’t raise your rate. Usage-based programs reward smooth driving. Read the rules first: a few programs can raise your premium, and a high-risk driver can’t afford that surprise.
- Ask about bundles, then dispute weak tickets. Ask each insurer which bundle or group discounts still apply to a non-standard policy. Then check the three-year window: one ticket dismissed in court can be worth more than any discount over three renewals. A recognized defensive driving course counts with some insurers too, especially for new drivers.
How long you stay high-risk
High-risk is a status, not a sentence. Each item on your record ages out on its own schedule, and the schedule is set by how insurers are allowed to rate you in your province, not by how you feel about the record. The table gives the Ontario windows, which most private-market provinces mirror.
| Record item | How long insurers count it | What starts the clock |
| Minor conviction (speeding, distracted driving) | 3 years | Conviction date, not offence date |
| Major conviction (careless driving, stunt driving) | 3 years, rated as major | Conviction date |
| Criminal Code conviction (impaired, dangerous driving) | 3 years on the driving record; many underwriting rules look back further | Conviction date |
| At-fault accident | 6 years | Date of loss |
| Licence suspension | 6 years in most insurers’ rules | Suspension date |
| Cancellation for non-payment | 3 years in most insurers’ rules | Cancellation date |
| Demerit points (Ontario) | 2 years on the MTO record | Offence date |
| Claims file, Quebec (FCSA) | 6 years | Date of loss |
Sources: FSRA (at-fault accidents six years, convictions three years), 2026; Ontario.ca, “Understanding demerit points,” 2026; GAA, Fichier central des sinistres automobiles, 2026. The suspension and cancellation windows are the ones most insurers use in their filed underwriting rules, and they vary by company. Alberta and Atlantic Canada follow the same three-and-six pattern in most insurers’ rules; confirm with your broker.
In practice, a driver who keeps a clean driving record, pays on time and shops every renewal usually gets back to standard pricing within three to six years. A conviction-heavy record can take longer, because some insurers’ rules look back further than the regulator’s minimum. Nothing shortens the clock except time, and a new ticket in year two restarts the three-year window on that ticket alone, not on the whole record. The conviction-date rule cuts the other way too. Fighting a ticket delays the conviction date, which delays the start of the clock, so weigh that before you book a court date on a ticket you’ll lose.
There is no SR-22 in Canada
If you’ve searched for an “SR-22 in Canada,” stop. It doesn’t exist here.
Most guides to high-risk driving are written for the United States, and they all mention the SR-22. It’s a certificate a US insurer files with a state to prove a high-risk driver carries the legal minimum. Canada has no equivalent filing. No province requires one, no Canadian insurer issues one, and no Canadian licence reinstatement depends on one. If a site offers you a “Canadian SR-22,” it’s a sign the page was not built for this country.
What replaces it here is structural. In the private-insurance provinces, the guarantee is the Facility Association: if you are eligible for a licence, you can be insured, at a price. In BC, Saskatchewan and Manitoba, it’s the Crown insurer, which sells the basic policy to every licensed driver and bills your record separately. In Quebec, it’s the GAA’s Risk Sharing Plan, which guarantees the civil liability minimum. What a suspended Ontario driver needs to get back on the road is a valid licence, a registered vehicle and proof of insurance, not a form. If you found this guide by searching for an SR-22 equivalent, the section on where high-risk drivers get covered is the answer you were looking for.
What Ontario’s Take-All-Comers rule means when you’re declined
An Ontario insurer can decline you, but only on a rule it has filed with the regulator. Ontario law requires every auto insurer to quote anyone who asks, to offer the lowest rate available for that consumer’s circumstances, and to accept every customer who meets its filed and approved underwriting rules. FSRA issued its Take-All-Comers guidance in November 2021 to say so in plain language, and its 2023 thematic review found “intentional non-compliance industry-wide,” including insurers refusing newcomers with under a year of insurance history and declining to renew drivers who had missed a single payment (FSRA, 2023). The rule does not force any insurer to write a record outside its filed rules. That’s the Facility Association’s job. It does mean the reason you were declined has to be a rule, not a mood.
For a high-risk driver, that changes three things. First, ask which underwriting rule declined you, because the answer tells you whether another insurer with different rules will take you. Second, a missed payment on its own is not a legal reason to refuse your renewal, so a non-renewal after one late installment is worth a phone call to the insurer, and a complaint to FSRA if it stands. Third, “we don’t want that business” is not a reason a broker can be given. If you value knowing exactly why a door closed, the rule works for you. Its limits: it applies in Ontario only, and it does nothing about the price once an insurer does quote you.
What the July 2026 Ontario reform changed for high-risk drivers
Since July 1, 2026, Ontario’s statutory accident benefits keep medical, rehabilitation and attendant care mandatory and make the rest optional: income replacement, non-earner, caregiver, lost educational expenses, visitor expenses, housekeeping, damage to personal items, death and funeral benefits (FSRA, 2026). The optional benefits now cover only the named insured, their spouse, their dependents and listed drivers, not passengers or pedestrians outside the policy (Intact, 2026). Existing policies renew with the benefits they already had unless you change them.
For a high-risk driver buying the legal minimum to keep a licence, the minimum is now a thinner policy than it was in June 2026, which trims a Facility or non-standard premium. The saving is modest, and the trade is real: a driver who earns a living behind the wheel and drops income replacement has no wage coverage after a crash, and a high-risk driver is, by definition, more likely to have one. If you value the lowest legal premium this year, the trimmed policy fits. If your income depends on driving, keep income replacement and cut somewhere else. High-risk guides written before July 2026 don’t mention this, so check the date on anything else you read.
Frequently asked questions
What is the best insurance company for high-risk drivers?
There isn’t one. Standard insurers price some records with a surcharge, non-standard carriers such as Pafco, Jevco and Coachman write the records standard companies decline, and the Facility Association takes the rest. The best insurance company for you is the one whose filed rules price your specific record lowest, which is why a broker with several markets beats any list.
Which company offers the best high-risk auto insurance in Ontario?
Ontario’s non-standard market is a short list: Pafco, Jevco, Coachman and Echelon, plus specialty divisions at some larger insurers, all sold through brokers. Which one is best depends on the record. A non-payment cancellation and an impaired driving conviction are priced by different insurance companies, so ask a broker to quote every market rather than one.
How much does high-risk insurance cost in Ontario?
Ontario’s average premium was about $2,164 in late 2025 (FSRA, 2026). ThinkInsure’s pool of high-risk quotes averages about $8,154 a year (ThinkInsure, 2026), and Ratehub’s 2026 test priced one Toronto driver at $5,122 with an at-fault accident and $9,588 with a careless-driving conviction. Facility Association rates sit higher still.
Who has the cheapest auto insurance for high-risk drivers?
Nobody publishes one, because the answer changes with the record. Rates.ca’s live quotes on September 10, 2026 showed the cheapest high-risk car insurance quote 20% to 43% below the average for the same driver. That spread, not a company name, is the saving. Compare quotes on identical coverage, including one from a broker with non-standard contracts.
How do I get out of high-risk insurance?
Time and a clean stretch. Minor convictions stop counting after three years and at-fault accidents after six (FSRA, 2026). Keep coverage continuous, pay on time, and ask your broker to re-market you at every renewal, because the year a standard insurer will take you back is rarely the year your current insurer tells you about it.
How long are you considered a high-risk driver?
Usually three to six years from the last incident. Tickets and non-payment cancellations count for three years, at-fault accidents and suspensions for six. A record with several items runs on the longest clock, and a new ticket restarts only its own three-year window. Some insurers’ rules look back further than the regulator’s minimum.
What is facility insurance in Ontario?
Facility insurance is high-risk car insurance written through the Facility Association, the pool every Ontario auto insurer belongs to. Servicing carriers issue it at rates FSRA approves, so every broker quotes the same price. It guarantees mandatory coverage to drivers no one else will write, and it “costs a lot more than regular auto insurance” (FSRA, 2026).
Should I leave a ticket or accident off my insurance application?
No. Insurers pull your driving abstract and claims history when they bind the policy and again at claim time. An undeclared conviction or accident is recorded as material misrepresentation, which can void the policy after a crash and follows you for years like a non-payment cancellation. Declaring the record and shopping it costs less.
Can I get car insurance after a DUI in Canada?
Yes. An impaired driving conviction moves you to the non-standard market or the Facility Association in the private-insurance provinces, to Crown-insurer penalty premiums in BC, Saskatchewan and Manitoba, and to the GAA’s Risk Sharing Plan in Quebec if private insurers refuse you. It counts for at least three years from the conviction date, and longer under some insurers’ rules.
Compare before you settle for Facility
Being rated high-risk is the moment comparison pays the most, because no two insurers price your record the same way and the spread between them is widest when your record is worse. Pull several quotes on identical coverage, use a broker who holds non-standard contracts, and re-check at every renewal as items age off your record. If you value paying the least for the coverage you’re legally required to carry, that routine is worth more than any discount.
Hardbacon’s quote comparison currently covers drivers in Ontario and Quebec. Start by comparing car insurance quotes with your record on the table. If your record is tickets rather than convictions, our guide to car insurance with a bad driving record shows what each one costs.
