Good people makes mistakes, right? Of course.

You’re probably reading this because you have recently been charged or convicted of a DUI-related offense like Impaired Driving or Over 80. Or, maybe it’s a friend or family member that’s been charged and you want to help them. Either way, you or your family member made a mistake and now need some help. You’re still a good person.

DUI Insurance Rates In Toronto

You probably heard through the grapevine that car insurance rates in Toronto are quite bad for people that have a DUI conviction. That may or may not be true; it all depends on the rest of your driving record and maybe your age too.

Find A High risk Insurance Broker

First off, you need to find an insurance broker that deals with DUI insurance in Toronto. You need a broker because direct agents that work for insurance companies like TD insurance or Belair do not do DUI insurance. You need a high risk insurance broker that deals with most of the high risk insurance companies.

A broker can shop the market for you to try to get you the cheapest rate. The Ontario insurance companies that insure high risk drivers, including drivers with DUI convictions, include Echelon, Coachman, Economical, Jevco, Pafco, and Nordic.  If you find a broker that deals with all of them, you’ll get the cheapest rate.

The biggest factor that would get you a cheap rate in Toronto would be the rest of your driving record. If you don’t have any other tickets or accidents you’ll still get a cheap rate, even with a DUI conviction. If you’re over 25-years-old and have been licensed at least six years, you can be assured that your rate will still be pretty good.

How Long Will A DUI Conviction Affect Your Car Insurance Rates?

Luckily, a DUI conviction won’t affect your car insurance rates forever. The conviction clears from your driver’s abstract after 3 years. When it clears, it will no longer be a factor in your rating.