How Much Is Car Insurance After Drink Driving Ban?
The average car insurance cost after a drunk driving ban is $5,760 in Ontario.
This is an estimate of how much it could go up in the province of Ontario. It can differ in each province. This estimate is based on the average insurance rate of $1,920, which increased by three times. But it could increase by as much as five times.
Here are some examples of the average cost of car insurance after a drink driving ban, broken down by province and major city in Canada, along with the percentage change in cost and potential savings:
Province: Ontario
- Major City: Toronto
- Driver Example: Male, 35 years old, driving a 2018 Honda Accord
- Average Annual Cost Before: $2,200
- Average Annual Cost After: $4,000
- Percentage Change: +82%
- Major City: Ottawa
- Driver Example: Female, 42 years old, driving a 2015 Toyota Camry
- Average Annual Cost Before: $1,600
- Average Annual Cost After: $3,200
- Percentage Change: +100%
- Major City: London
- Driver Example: Male, 45 years old, driving a 2014 Ford F-150
- Average Annual Cost Before: $1,800
- Average Annual Cost After: $3,800
- Percentage Change: +111%
Province: Alberta
- Major City: Calgary
- Driver Example: Female, 38 years old, driving a 2016 Mazda CX-5
- Average Annual Cost Before: $1,700
- Average Annual Cost After: $3,300
- Percentage Change: +94%
- Major City: Edmonton
- Driver Example: Male, 40 years old, driving a 2015 Toyota RAV4
- Average Annual Cost Before: $1,800
- Average Annual Cost After: $3,500
- Percentage Change: +94%
- Major City: Red Deer
- Driver Example: Female, 36 years old, driving a 2013 Honda Civic
- Average Annual Cost Before: $1,500
- Average Annual Cost After: $3,000
- Percentage Change: +100%
Province: Quebec
- Major City: Montreal
- Driver Example: Male, 41 years old, driving a 2017 Nissan Altima
- Average Annual Cost Before: $1,200
- Average Annual Cost After: $2,500
- Percentage Change: +108%
- Major City: Quebec City
- Driver Example: Female, 44 years old, driving a 2018 Kia Sorento
- Average Annual Cost Before: $1,300
- Average Annual Cost After: $2,600
- Percentage Change: +100%
- Major City: Sherbrooke
- Driver Example: Male, 39 years old, driving a 2015 Hyundai Elantra
- Average Annual Cost Before: $1,100
- Average Annual Cost After: $2,200
- Percentage Change: +100%
Province: Nova Scotia
- Major City: Halifax
- Driver Example: Female, 37 years old, driving a 2016 Honda CR-V
- Average Annual Cost Before: $1,400
- Average Annual Cost After: $2,800
- Percentage Change: +100%
- Major City: Cape Breton
- Driver Example: Male, 43 years old, driving a 2014 Nissan Rogue
- Average Annual Cost Before: $1,300
- Average Annual Cost After: $2,500
- Percentage Change: +92%
- Major City: Truro
- Driver Example: Female, 40 years old, driving a 2017 Ford Escape
- Average Annual Cost Before: $1,200
- Average Annual Cost After: $2,400
- Percentage Change: +100%
It’s important to remember that these are just estimates and that the actual costs of car insurance after a drink driving ban can vary depending on a variety of factors, including the details of the ban, your driving history, the type of car you drive, the level of coverage you choose, and the insurance company you work with. Additionally, the percentage increases listed are just estimates and may not reflect the actual increase you could experience.
In general, drivers with a drink driving ban may be considered high-risk by insurance companies, which can lead to significantly higher rates. However, it is still possible to find affordable car insurance coverage, even with a drink driving ban. It’s important to shop around and compare rates from multiple insurance companies to ensure that you’re getting the best coverage at the best price.
If you have a drink driving ban on your record, there are some steps you can take to potentially lower your insurance rates, such as completing a safe driving course, installing an ignition interlock device, or choosing a car with a high safety rating. It’s important to check with your insurance company to understand their specific policies and procedures for discounts and other ways to save.
Does Drink Driving Course Reduce Insurance?
Yes, completing a drink driving course can potentially reduce your car insurance rates. Insurance companies may view completion of a drink driving course as a positive sign of responsibility and a reduced risk for future incidents. By taking the course, you are demonstrating a commitment to safe driving, which can result in a lower insurance premium. However, it’s important to keep in mind that insurance rates can vary by company and other factors such as driving history and location. It’s best to speak with your insurance provider to see if they offer a discount for completing a drink driving course and how much of a discount you can expect.
How Long Do I Have To Declare Drink Driving To Insurance?
The length of time you need to declare a drink driving conviction to your insurance company in Canada can vary. Generally, insurance companies ask for a disclosure of all driving convictions and accidents for the past three to five years.
It’s important to note that insurance companies take impaired driving convictions very seriously and they may result in increased insurance rates or even policy cancellation. It is recommended to disclose any drink driving convictions to your insurance company as soon as possible to avoid potential issues with coverage or policy renewals.
Not Telling Insurance About Drink Driving
Not telling your insurance company about a drink driving conviction could result in your policy being considered void, meaning your insurance company may not cover you in the event of an accident. This is because you have a duty to disclose any relevant information to your insurance company, including convictions and accidents. Additionally, if you are caught driving under the influence, you could face fines, license suspension, and even imprisonment. It is important to be honest with your insurance company about any convictions, as the consequences of not doing so can be severe.
Is My Car Insurance Invalid If I Drink Drive?
If you drink drive and are involved in an accident, your car insurance policy may not cover you. In Canada, most car insurance policies have an exclusion clause that specifies that the policy will not cover claims that result from driving under the influence of drugs or alcohol.
As a result, if you drink drive and are involved in an accident, your insurance company may deny your claim, leaving you responsible for paying the costs of any damage or injuries. Additionally, if you fail to disclose a drink driving conviction to your insurance company when you purchase your policy, you may be committing insurance fraud, which is a criminal offence.
In general, it’s best to avoid drink driving altogether and to always be upfront and honest with your insurance company about any convictions or incidents that may affect your coverage.
What is the cheapest car to insure after drink driving ban?
The cost of insuring a car after a drink driving ban can vary based on several factors such as the type of car, the driver’s age, driving history, and insurance company. However, in general, cars with safety features, good crash test ratings, and lower theft rates tend to have lower insurance rates. Some of the cheapest cars to insure include Honda Civic, Toyota Corolla, and Subaru Impreza. It’s important to keep in mind that insurance companies also take into consideration the driver’s individual factors such as their driving record and the number of years they have been licensed when determining insurance rates.
How much does your insurance go up after a DUI in Ontario?
The cost of car insurance after a DUI conviction in Ontario can vary greatly depending on several factors such as the insurance company, driving record, age, and type of vehicle. However, it is common for insurance rates to significantly increase after a DUI conviction, sometimes by hundreds of dollars per year. This is because individuals with a DUI conviction are considered a higher risk by insurance companies and are more likely to be involved in an accident.
How long does a DUI stay on your insurance in Ontario
In Ontario, a DUI conviction will stay on your driving record for 10 years. This means that it will also affect your car insurance rates for at least 10 years. During this time, you can expect to pay significantly higher insurance premiums compared to someone with a clean driving record. The exact amount your insurance will increase will depend on a number of factors, such as the insurance company you use, your driving history, the type of vehicle you drive, and the coverage you have. It’s best to speak with an insurance agent to get a better understanding of how a DUI conviction will impact your insurance rates.
FAQs
Here are some frequently asked questions about car insurance after a drink driving ban:
- Will my car insurance rates increase after a drink driving ban? In most cases, yes. Drivers with a drink driving ban are generally considered high-risk by insurance companies, which can lead to significantly higher rates.
- How long will a drink driving ban affect my car insurance rates? The length of time that a drink driving ban will affect your car insurance rates will depend on a variety of factors, including the details of the ban, your driving history, and the insurance company you choose to work with. In general, a drink driving ban may affect your rates for several years.
- Can I still get car insurance after a drink driving ban? Yes, you can still get car insurance after a drink driving ban. However, it may be more difficult to find coverage and the rates may be significantly higher than they were before the ban.
- What can I do to lower my car insurance rates after a drink driving ban? There are several steps you can take to potentially lower your car insurance rates after a drink driving ban, such as completing a safe driving course, installing an ignition interlock device, or choosing a car with a high safety rating. It’s important to check with your insurance company to understand their specific policies and procedures for discounts and other ways to save.
- How can I find the best car insurance rates after a drink driving ban? To find the best car insurance rates after a drink driving ban, it’s important to shop around and compare rates from multiple insurance companies. You can also work with an insurance broker who can help you find the best coverage at the best price.
- Can I negotiate my car insurance rates after a drink driving ban? It may be possible to negotiate your car insurance rates after a drink driving ban, especially if you have completed a safe driving course or taken other steps to improve your driving habits. It’s important to be upfront with your insurance company about your ban and any efforts you have made to improve your driving record.
- How long does a drink driving ban stay on my driving record? The length of time that a drink driving ban stays on your driving record will depend on the laws and regulations in your province or territory. In most cases, a drink driving ban will stay on your record for several years, and in some cases, it may remain on your record permanently.
- Can I remove a drink driving ban from my driving record? In most cases, you cannot remove a drink driving ban from your driving record. However, the length of time that the ban stays on your record may vary depending on the laws and regulations in your province or territory.
- How can I get car insurance with a drink driving ban on my record? To get car insurance with a drink driving ban on your record, you will need to provide information about the ban to the insurance company you are working with. They will likely ask for details about the ban, such as the length of the ban and the circumstances surrounding the incident.
- Will my car insurance rates decrease over time after a drink driving ban? In some cases, your car insurance rates may decrease over time after a drink driving ban, especially if you take steps to improve your driving habits and maintain a clean driving record. However, the length of time that it takes for your rates to decrease will depend on a variety of factors, including the details of the ban, your driving history, and the insurance company you work with.
- Can I get car insurance while my drink driving ban is still in effect? Yes, you can still get car insurance while your drink driving ban is still in effect. However, your rates may be significantly higher than they were before the ban.
- Will my insurance company cancel my policy if I have a drink driving ban? In some cases, your insurance company may cancel your policy if you have a drink driving ban on your record. However, this will depend on the policies and procedures of your insurance company.
- What is an ignition interlock device, and can it help me get lower car insurance rates after a drink driving ban? An ignition interlock device is a breathalyzer that is installed in a car to prevent the driver from starting the vehicle if they have been drinking. In some cases, installing an ignition interlock device may help you get lower car insurance rates after a drink driving ban, as it can show that you are taking steps to improve your driving habits and reduce the risk of future incidents.
- Can I get car insurance after multiple drink driving bans? It may be more difficult to get car insurance after multiple drink driving bans, as insurance companies may view you as an even higher risk. However, it is still possible to find coverage, and the rates may be higher than they were after the first ban.
- How can I find an insurance company that will work with me after a drink driving ban? To find an insurance company that will work with you after a drink driving ban, it’s important to shop around and compare rates from multiple providers. You can also work with an insurance broker who can help you find the best coverage at the best price. Additionally, some insurance companies specialize in providing coverage for high-risk drivers, including those with drink driving bans on their record.
- What is a high-risk driver? A high-risk driver is someone who is considered to be a higher risk to insure due to factors such as their driving record, age, gender, and the type of vehicle they drive. Drivers with a drink driving ban are generally considered high-risk, as they have a history of violating traffic laws and may be more likely to be involved in accidents.
- Will a drink driving ban affect my insurance rates for life? In most cases, a drink driving ban will not affect your insurance rates for life. However, the length of time that the ban stays on your record and affects your rates will depend on a variety of factors, including the laws and regulations in your province or territory, the insurance company you work with, and your driving history.
- Can I get car insurance if I have a suspended license due to a drink driving ban? It may be more difficult to get car insurance if you have a suspended license due to a drink driving ban, as insurance companies may view you as an even higher risk. However, it is still possible to find coverage, and the rates may be higher than they were before the suspension.
- Will my car insurance rates increase if I am convicted of a DUI? In most cases, yes. Drivers who are convicted of a DUI are generally considered high-risk by insurance companies, which can lead to significantly higher rates.
- How can I find the best car insurance rates after a DUI or drink driving ban? To find the best car insurance rates after a DUI or drink driving ban, it’s important to shop around and compare rates from multiple insurance providers. You can also work with an insurance broker who can help you find the best coverage at the best price. Additionally, some insurance companies specialize in providing coverage for high-risk drivers, including those with DUI or drink driving bans on their record.
About the Author: Valerie D. Hahn
