March 19, 2015 by Arian
Ontario’s System on Impaired Driving and what it means for High Risk Car Insurance
Find out below using the chart what happens after 1st convictions for impaired driving in Ontario, Canada. Remember, you may be convicted for impaired driving while under the influence of alcohol or drugs.
Novice Drivers (Those with GT1, G2, M1, M2, M2-L or M2-M licenses)
Zero blood alcohol content law applies means that novice drivers can’t have any alcohol in their blood. If caught with a blood alcohol over zero your driver’s license will be suspended on spot for 24 hours, and if convicted your driver’s license will be suspended again for a minimum of 30 days and you will receive a fine which can range from $60-$500. Your license may also be cancelled and you would have to retake all driving tests.
If your Blood Alcohol Content Tests within the Warn Range 0.05 – 0.08
| Penalties | Ontario Car Insurance Implication | |
| First Time Offence | 3 day on the spot road side license suspension$150 administrative penalty | With many insurance companies this would have no effect on your rates or ability to renew. |
If you are convicted of Impaired Driving in Ontario
| Penalties | Ontario Car Insurance Implication | |
| First Time Offence | Mandatory alcohol education program1 year minimum ignition InterlockNo minimum jail sentence$1,000 fineLicense Suspended for 1 year* | Your insurance company may non-renew, in which case you would have to seek high risk car insurance quote. |
* 1 year suspension may be reduced if you meet certain requirements
Are you looking for Car Insurance with an Impaired Driving Conviction? Click Below to Get A Quote
A Look at High Risk Car Insurance with DUI conviction in 4 Ontario Cities, Barrie, London, Hamilton, Toronto
Take a look below what an impaired driving conviction can do to your insurance premium from different cities across Ontario. Of course every situation is different and it is best to speak directly with your broker, agent or insurance company before making a decision as not every situation is the same.
Driver Profile
| City: Barrie, Postal code: L4M | |
| Vehicle | 2015 VW JETTA TDI |
| Insured For | $1,000 Deductible All Perils ~ $2 million liability |
| Insurance History | Insured continuously for 10 years with no claims or tickets |
| Age | 34 years old |
| Gender | Male |
| Driving to work | 10 km |
| KM Annually | 15 000 km |
| Car Insurance Cost Before DUI | $136.47 monthly / $ 1,590 annual |
| Car Insurance Cost After DUI | $338.10 monthly / $3,939 annual |
| 147% increase! |
| City: London, Postal code: N6A | |
| Vehicle | 2015 VW JETTA TDI |
| Insured For | $1,000 Deductible All Perils ~ $2 million liability |
| Insurance History | Insured continuously for 10 years with no claims or tickets |
| Age | 34 years old |
| Gender | Male |
| Driving to work | 10 km |
| KM Annually | 15 000 km |
| Car Insurance Cost Before DUI | $139.48 monthly / $1,625 annual |
| Car Insurance Cost After DUI | $354.66 monthly / $4,132 annual |
| 154% increase! |
| City: Hamilton, Postal code: L8S | |
| Vehicle | 2015 VW JETTA TDI |
| Insured For | $1,000 Deductible All Perils ~ $2 million liability |
| Insurance History | Insured continuously for 10 years with no claims or tickets |
| Age | 34 years old |
| Gender | |
| Driving to work | 10 km |
| KM Annually | 15 000 |
| Car Insurance Cost Before DUI | $173.55 monthly / $2,022 annual |
| Car Insurance Cost After DUI | $397.15 monthly / $4,627 annual |
| 128% increase! |
| City: Toronto, Postal code: M9B | |
| Vehicle | 2015 VW JETTA TDI |
| Insured For | $1,000 Deductible All Perils ~ $2 million liability |
| Insurance History | Insured continuously for 10 years with no claims or tickets |
| Age | 34 years old |
| Gender | Male |
| Driving to work | 10 km |
| KM Annually | 15 000 km |
| Car Insurance Cost Before DUI | $174 monthly / $2,030 annual |
| Car Insurance Cost After DUI | $585 monthly / $5,719 annual |
| 181% increase! |
High Risk Auto Insurance due to Impaired Driving
Call us or click to get an online quote to find out what an impaired driving charge can do to your insurance. We represent high risk car insurance companies for drivers convicted of impaired driving.