In Canada, impaired driving is often referred to as a DUI (Driving Under the Influence), which can impact your car insurance in various ways. If you’ve recently been pulled over for a DUI or have been convicted of impaired driving, your car insurance rates will likely rise. In Canada, driving while under the influence of alcohol or drugs is a very serious offence. This is due to the harm it can cause to yourself and others nearby. With this, penalties are quite stiff. Legal penalties can range from driving classes and driving suspensions to expensive fines to even possible jail time. The punishment often fits the severity and damage done by the crime. Some insurance companies may not cover an individual with a DUI because it has been on their record for a long period. Luckily, isure has all of the key information regarding the relationship between a DUI and car insurance rates.
What Happens If You Get a DUI in Ontario?
Whether it’s alcohol or drugs, driving under the influence is illegal. According to the Ontario Ministry of Transportation website, “Many drugs, even those prescribed by a doctor or purchased over-the-counter, can impair your ability to drive safely. If you are unsure of whether it is safe for you to drive while taking your medication, talk to your doctor or pharmacist. Alcohol—even one drink—can reduce your ability to react to things that happen suddenly. The effects of alcohol also include blurry or double vision, impaired attention, and slow reflexes. Alcohol [impairment] is one of the leading causes of death on Ontario’s roads.”
For further reference, a report by The Canadian Society of Forensic Science states that impairment from cannabis begins almost immediately. To add to this, cannabis impairment can last up to six hours or more, depending on THC levels, the amount, and how you consume it (inhaling or ingesting). Below are the driving classes and the legal allowance of BAC (Blood Alcohol Concentration) levels you should be aware of.
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DUI And Car Insurance: Fully-Licensed Drivers
In Canada, if you are a fully-licensed driver, the maximum legal BAC is to be under 80 milligrams of alcohol in 100 millilitres of blood, or 0.08. If you operate a vehicle with a BAC of 0.08 or more, it is a criminal offence. In Ontario, if your BAC is between 0.05 and 0.08, a.k.a. the “warning range,” you can also face serious consequences.
DUI And Car Insurance: Young And Novice Drivers
For ages 21 or under and/or a novice driver of any age (with G1, G2, M1, or M2 licenses), there is a ZERO tolerance policy in place. This means you must not have ANY presence of alcohol in your blood when behind the wheel. This is commonly known as the “zero BAC” or “zero tolerance” rule. This applies to drugs, as well.
DUI And Car Insurance: Commercial Drivers
As of July 1, 2018, if you operate vehicles requiring an A-F class licence, vehicles requiring a Commercial Vehicle Operator’s Registration (CVOR), and road-building machines, you are prohibited from having any presence of alcohol or evidence of drug use when behind the wheel. Additionally, you shouldn’t have any presence of cannabis or other drugs in your system either. These can be detected by approved drug screening equipment.
If police determine that you have the presence of cannabis or alcohol in your system, or that you are under the influence, you will face severe consequences and potential criminal charges. This also includes illegal drugs, prescription drugs, or over-the-counter medications.
What Are The Penalties For Driving Under The Influence?
According to the Ontario Ministry of Transportation website, penalties for driving under the influence are immediate upon being pulled over. If you face a conviction in court, you will also face additional consequences when it comes to a charge for impaired driving and car insurance. The penalties you will face depend on your age, licence type, the amount of alcohol or drugs in your system, and how many convictions you have.
Immediate Penalties
If you:
- Having a blood alcohol concentration of 0.05 or higher
- Fail a roadside sobriety test
- Violate the zero-tolerance requirements for young, novice, and commercial drivers
You will face:
First Offence
- Three-day licence suspension: There is no appeal process.
- $250 penalty
Second Offence Within Five Years
- Seven-day licence suspension (Three-day suspension for commercial drivers). There is no appeal process.
- $350 penalty
- You must attend a mandatory education program (for a second occurrence within 10 years)
Third And Subsequent Offences Within Five Years
- 30-day licence suspension (Three-day suspension for commercial drivers). There is no appeal process.
- $450 penalty
- You must attend a mandatory treatment program (for a third and subsequent offence within 10 years)
- A requirement to use an ignition interlock device for at least six months (for the third and subsequent offence within 10 years)
- You will need to undergo a mandatory medical evaluation to determine whether you meet the requirements to drive in Ontario (for a fourth or subsequent offence within 10 years).
In addition to the penalties above, you will also face a $281 licence reinstatement fee each time your licence is suspended. Young or novice drivers may also face charges under the Highway Traffic Act. If there’s a conviction, you can face additional suspension and fines.
What Is the Legal BAC Limit in Ontario?
If you refuse to take a drug or alcohol test, register a BAC over 0.08, or if a drug recognition evaluator determines that you are under the influence, you will face:
- A 90-day licence suspension
- Seven-day vehicle impoundment
- $550 penalty
- $281 licence reinstatement fee
- You must attend a mandatory education or treatment program (for second and subsequent occurrences within 10 years)
- You will be required to use an ignition interlock device for at least six months (for third and subsequent occurrences within 10 years)
Additional Penalties If Convicted In Court
If you are a young or novice driver convicted of violating the zero-tolerance requirements for drugs or alcohol, your driver’s licence will be suspended again for at least 30 days, and you will receive an additional $60-$500 fine.
No matter what age or licence you have, if you have a criminal conviction for impaired driving in court, you can face additional fines and jail time, plus:
First Offence
- Licence suspension of at least one year
- You must attend a mandatory education or treatment program
- Requirement to use an ignition interlock device for at least one year
- You will need to undergo a mandatory medical evaluation to determine whether you meet the requirements for driving in Ontario
Second Offence Within 10 Years
- Licence suspension of at least three years
- You must attend a mandatory education or treatment program
- Requirement to use an ignition interlock device for at least three years
- You will need to undergo a mandatory medical evaluation to determine whether you meet the requirements for driving in Ontario
Third Or More Offences Within 10 Years
- Lifetime licence suspension, which may be reduced after 10 years if you meet certain criteria
- You must attend a mandatory education or treatment program
- Requirement to use an ignition interlock device for at least six years
- You will need to undergo a mandatory medical evaluation to determine whether you meet the requirements for driving in Ontario
How Does a DUI Affect Car Insurance Rates?
When auto insurance carriers find out that you have a DUI, they may take it in various ways. The insurance company may cancel your policy when this happens. However, other companies may maintain your coverage while raising your premium. Insurance companies do have the right to refuse to cover claims if you refuse to disclose your DUI. Drivers should look for policies that specialize in covering high-risk drivers, including drivers with a DUI on their record. However, these policies are often priced with higher monthly or annual rates. Drivers with a DUI can pay up to five times more for their car insurance than drivers with a completely clean record. Each DUI will continue to increase auto insurance rates further.
How Long Does a DUI Stay on Your Insurance Record in Ontario?
Fortunately, the penalty for a DUI and car insurance is not always a lifelong situation. You will likely not need to pay the high premium forever if you remedy your driving situation. If you maintain a clean record and avoid filing claims, your insurance premium can decrease yearly. After a few years of maintaining this, you can purchase auto insurance at a normal rate. If you have a licence suspension due to a DUI, the conviction will remain on your driving record for life, but will have an insurance impact for typically six to 10 years.
Should I Inform My Insurer of a DUI?
In a word—yes. “You have an obligation to inform your insurer,” says Derek Tupling, VP of government relations and communications for Facility Association. “If you choose not to and your insurer becomes aware of your conviction, they can take action, including refusal to provide coverage or cancelling your policy due to misrepresentation.” Should they cancel your policy due to misrepresentation or non-disclosure (essentially, lying or omitting information), this will be noted on your driving record. In turn, this charge for impaired driving will have a negative effect on your car insurance rates. The next time that you apply for auto coverage, insurers will see two notations on your file: the DUI and the misrepresentation. This may further complicate your ability to get insurance from a standard provider. So, in essence, don’t lie or try to hide your DUI from your insurer.
DUIs and Speeding Tickets in Ontario
If a police officer pulls you over for speeding or driving recklessly, this can be enough grounds to ask you for a sobriety test. This is especially so if you appear to have slurred speech or if they can smell alcohol or marijuana in the vehicle. This may include a roadside breathalyzer test, a field sobriety test, or being placed under arrest and brought to the police station. This may result in an impaired driving/DUI charge and a speeding ticket, which will have a significant impact on your car insurance rates.
Overall, if you are ever unsure of whether you are capable of driving after a few drinks, don’t take the chance and arrange for another way home. Calling an Uber driver or a reliable (and sober) friend is just one option!
isure is challenging the mindset that all insurance and insurers are the same. We’re advancing insurance rather than simply implementing the same old tactics used for over 50 years! We have your back, advocating for your insurance and ensuring you get the coverage you both need and deserve. If you’ve been charged with a DUI or have more questions, contact your isure broker today. For more information on Ontario’s impaired driving laws, visit mto.gov.on.ca.
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