Ontario’s System on Impaired Driving and what it means for High Risk Car Insurance

impaired driving & car insuranceFind 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
 PenaltiesOntario 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
 PenaltiesOntario Car Insurance Implication
First Time Offence
  • Mandatory alcohol education program
  • 1 year minimum ignition Interlock
  • No minimum jail sentence
  • $1,000 fine
  • License 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
Vehicle2015 VW JETTA TDI
Insured For$1,000 Deductible All Perils ~ $2 million liability
Insurance HistoryInsured continuously for 10 years with no claims or tickets
Age 34 years old
GenderMale
Driving to work10 km
KM Annually15 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
Vehicle2015 VW JETTA TDI
Insured For$1,000 Deductible All Perils ~ $2 million liability
Insurance HistoryInsured continuously for 10 years with no claims or tickets
Age 34 years old
GenderMale
Driving to work10 km
KM Annually15 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
Vehicle2015 VW JETTA TDI
Insured For$1,000 Deductible All Perils ~ $2 million liability
Insurance HistoryInsured continuously for 10 years with no claims or tickets
Age 34 years old
GenderMail
Driving to work10 km
KM Annually15 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
Vehicle2015 VW JETTA TDI
Insured For$1,000 Deductible All Perils ~ $2 million liability
Insurance HistoryInsured continuously for 10 years with no claims or tickets
Age 34 years old
GenderMale
Driving to work10 km
KM Annually15 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.

 

 

 

 

[1] Ontario Ministry of Transportation 2015