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Impaired Driving Insurance: What You Need to Know
Having a driving record affected by an alcohol or drug offence can make it difficult to obtain car insurance. Fortunately, suitable solutions exist to allow you to get back on the road legally.
Why is it more difficult to insure a driver after a suspension?
An arrest for driving under the influence of alcohol is considered a high risk by insurance companies. This usually results in:
✔ Higher premiums
✔ A smaller choice of insurers
✔ Special conditions, such as an ignition interlock device
How do I get insurance after an offence?
Even if some companies refuse to insure a sanctioned driver, there are specialized insurers offering suitable policies. To get the best coverage:
✔ Compare multiple offers to save money
✔ Be honest about your history to avoid declines
✔ Comply with all legal conditions to restore your file
Factors that influence the cost of your insurance
The price of insurance after a licence suspension varies depending on:
✔ 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?
💡 Shop Smart : Some brokers offer affordable options
💡 Maintain a clean record : The safer you drive, the lower your premium
💡 Opt for a higher deductible : This can reduce your monthly insurance amount
Need insurance quickly?
Don’t be left without coverage! Get a free quote and find a solution that allows you to drive with peace of mind.
I have impaired driving, 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 a car insurance company that agrees 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 ban periods vary from country to country, in Quebec, for a first offense, the duration of the driver’s license suspension varies between 90 days and 1 year, and it can also result in permanent restrictions on your driver’s license. It is therefore important to respect these restrictions to avoid car insurance problems.
It is therefore recommended that you 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 to be able to insure yourself again at reasonable rates.
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