DUI Conviction in Ontario
4 min. read
DUI Insurance in Ontario for a Fresh Start
Looking for car insurance after a DUI in Ontario? Compare options from insurers that accept DUI convictions and get back on the road with confidence.
Car Insurance After a DUI Conviction in Ontario
A DUI or impaired driving conviction can significantly affect your car insurance options. Some standard insurers may no longer offer coverage, which can mean moving to a high-risk insurance market. Humberview Insurance works with insurers that accept drivers with DUI convictions and can help you compare the options available to you.
Ontario Car Insurance Coverage Options
| Third-Party Liability | Accident Benefits | Uninsured Automobile | Collision |
|---|---|---|---|
| Protection against covered liability claims | Benefits if you're injured in an accident | Protection involving uninsured drivers | Damage to your vehicle from a collision |
| Comprehensive | Rental Vehicle Coverage | Transportation Replacement | Depreciation Waiver |
| Theft, vandalism and other covered losses | Coverage when driving rented vehicles | Helps cover temporary transportation after a claim | Protects eligible new vehicles from depreciation |
Coverage availability varies by insurer, vehicle, driving history and eligibility. Coverage is subject to policy terms, conditions, limits and exclusions.
Getting Car Insurance After a DUI
Complete a Quote Request
Tell us about your vehicle, driving history and insurance needs.
We Review Your Options
A licensed broker reviews available insurance markets that may accept your driving history.
Choose Your Coverage
We'll explain the available options so you can choose the policy that works for you.
Why Humberview for DUI Insurance?
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One Dedicated Broker
Work confidentially with the same licensed broker throughout the process.
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Independent Insurance Brokerage
Humberview Insurance has served Ontario drivers since 1982.
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Access to Multiple Insurers
We compare available options from insurers that accept higher-risk drivers.
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Speak Directly With Us
No complicated phone prompts. Speak directly with our team when you call.
DUI Insurance FAQ
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Can I get car insurance in Ontario after a DUI?
Yes. Some standard insurance companies may not accept drivers with a DUI conviction, but other insurers specialize in higher-risk drivers. A broker can compare the insurance markets available based on your driving record and circumstances.
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How long can a DUI affect my car insurance in Ontario?
A DUI conviction can affect your insurance eligibility and premiums for several years. How long it affects your rate depends on the insurer, your driving record, licence suspensions and other underwriting factors.
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Will my current insurance company insure me after a DUI?
Possibly, but not necessarily. Insurance companies have different underwriting rules regarding impaireddriving convictions. Your current insurer may no longer qualify you for its standard program, requiring you to find coverage with another insurer.
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Is car insurance more expensive after a DUI?
Generally, yes. A DUI conviction is considered a serious driving conviction by insurers and can substantially increase premiums. The actual cost depends on your driving history, vehicle, location, coverage and the insurance company.
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How can I lower my car insurance cost after a DUI?
Comparing insurers is particularly important because underwriting rules and rates can vary considerably. Maintaining a clean driving record, choosing an appropriate vehicle and reviewing your coverage and deductibles can also affect your premium.
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What information do I need to get a DUI insurance quote?
Typically, you'll need your driver's licence information, vehicle details, current insurance information and details about your driving record and conviction. Additional information may be required depending on the insurer.
DUI & Impaired Driving Resources
Ontario High Risk Car Insurance Guides & Resources:
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