DUI & Car Insurance in Ontario an Expensive Mix

The Seriousness of Impaired Driving

Operating a vehicle while under the influence of alcohol or drugs is not only dangerous but also a criminal offense in Canada, as stipulated by the Criminal Code. Alarmingly, you can face charges even if your vehicle is stationary but you’re impaired behind the wheel. Impairment can stem from various sources: alcohol, legal drugs, prescription medications, or over-the-counter drugs. The consequences? They are severe, ranging from immediate roadside suspensions to fines, license revocation, and even imprisonment.

The Insurance Fallout

Following an impaired driving conviction, brace for a possible cancellation or significant spike in your car insurance premiums. Why? Insurers view such drivers as high-risk, and in Ontario, only specific companies specializing in high risk car insurance coverage are likely to insure you.

Get An Instant Quote Online for Car Insurance with a DUI Conviction

To illustrate the impact of a DUI on insurance costs, let’s examine a hypothetical scenario:

Case Study: The Costly Consequences of a DUI Conviction

Before DUI

Postal Code:L5A (Mississauga)
Vehicle:2023 Volkswagen Tiguan
Insured for:$1,000 All Perils ~ $2 million liability
Age:40 years old
Driving to work:10 km
KM Annually:15,000
Premium:$2,201 Per Year / $183.41 a month Before DUI

After DUI

Premium: $7,410/year or $625.53/month

That’s an eye-opening increase of over $4,737 annually!

Get Protected: DUI Insurance Options

Have a DUI conviction? Humberview Insurance is here to assist. We specialize in providing car insurance solutions for high-risk drivers in Ontario, not just for impaired driving offenses but also for multiple tickets, convictions, claims, or suspensions.

For a quote with a broker, click below:

Don’t let a DUI conviction leave you uninsured. Contact Humberview Insurance today for a tailored car insurance quote that fits your unique circumstances.