Insurance after an impaired driving: what you need to know

Have a driving record affected by a alcohol- or drug-related offences can make it difficult to obtain car insurance. Fortunately, there are tailored solutions to get you back on the road legally.

Why is it harder to insure a driver after a suspension?

An arrest for driving under the influence alcohol is considered a high risk by insurance companies. This usually results in :
✔ Higher premiums
✔ A narrower choice of insurers
✔ Special requirements, such as an alcohol ignition interlock device

How do I get insurance after a crime?

Even if some companies refuse to insure a sanctioned driverthere are specialized insurers offering adapted fonts. For the best coverage :
✔ Compare several offers to save
✔ Be honest on your history to avoid refusals
✔ Comply with all legal requirements to restore your file

Factors that influence the cost of your insurance

The price of insurance after a license suspension varies according to :
✔ The seriousness of the offence
✔ Your driving history
✔ Your age and place of residence
✔ The type of vehicle you drive

How can you reduce the cost of your insurance?

💡 Store smart : Some brokers offer affordable options
💡 Maintain an impeccable record : The safer you drive, the lower your premium
💡 Opt for a higher deductible : This can reduce the monthly cost of your insurance.

Need insurance fast?

Don't be left without coverage! Get a free submission and find a solution that allows you to drive with complete peace of mind.

I have an impaired driving record. When can I get insurance?

After committing an impaired driving offence (for example, driving under the influence of alcohol or drugs), it can be difficult to find an auto insurance company willing to insure you. Insurance companies generally consider this type of offence to be high-risk, and may refuse to offer you insurance or offer you very high rates.

Driving prohibition periods vary from one country to another. In Quebec, for a first offence, the duration of the license suspension This can range from 90 days to 1 year, and can also lead to permanent restrictions on your driving license. So it's important to respect these restrictions to avoid car insurance problems.

It is therefore advisable to consult a specialized insurance broker for information on the insurance options available after an impaired driving offence. You may have to wait some time after the offence before you can re-insure at reasonable rates.

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