An impaired driving conviction in Quebec is expensive. The SAAQ estimates a first offence costs at least $5,000 before legal fees and insurance, and many drivers end up choosing between their insurance bills and groceries. You still need insurance to drive legally, so the goal is simple: get a deal on your car insurance and keep more money for groceries and gas. Here is how insurance works in Quebec after a DUI.
How car insurance works in Quebec
Quebec splits car insurance in two:
- The SAAQ public plan covers bodily injuries from road accidents, whoever is at fault. You pay for it through your driver’s licence and registration.
- Private insurance covers property damage. Every vehicle owner must carry at least $50,000 in civil liability insurance (Section A), and coverage for damage to your own car (Section B) is optional.
That means a DUI can raise your costs in two places: your licence and your private insurance.
Higher SAAQ licence costs
The insurance contribution on your driver’s licence depends partly on your record. The SAAQ says demerit points raise it. For 2026, it lists a Class 5 licence at $50.23 for drivers with no demerit points, while drivers with points pay more. You will also pay for a new licence after a revocation, which the SAAQ lists at $420 to $560 depending on the offence.
Higher private insurance premiums
Private insurers set their own rates, and most treat a driver with an impaired driving conviction as high risk. Expect higher premiums, fewer insurers willing to quote, and stricter terms for several years. This is the part you can shop around.
How to get a deal
1. Use a broker
A broker can compare several insurers at once, including those willing to cover drivers with a conviction. The difference between quotes can be hundreds of dollars a year.
2. Compare at least three quotes
Do not accept your first renewal notice. Shop again every year as the conviction ages.
3. Adjust your coverage
- Keep the mandatory civil liability coverage, but consider whether you need Section B on an older vehicle.
- Raise your deductible if you can afford it.
- Choose a modest, lower-risk vehicle.
4. Never hide your conviction
Leaving a conviction off your application can void your policy and leave you paying for an accident yourself. Be upfront and let your broker find the best rate.
The three things that get you through a DUI
Affordable insurance is one of three things that help Quebec drivers get back on track.
- A good DUI lawyer: the outcome of your case affects your licence, your record and your insurance. Find a Quebec impaired driving lawyer and talk to one early.
- Treatment: getting help with alcohol or drugs protects your future and your record. See our free guide to addiction treatment in Quebec.
- Car insurance you can afford: use the steps above so you stay legal on the road and still have money for groceries and gas.
If you need an alcohol ignition interlock, see the approved interlock supplier for Quebec and what an interlock costs. For the full picture, read our guide to what a DUI costs in Quebec.
Frequently asked questions
Does the SAAQ insurance cover my car after a DUI?
No. The SAAQ public plan covers bodily injuries from road accidents. Damage to your car or someone else’s property is covered by private insurance, and every Quebec vehicle owner must carry at least $50,000 in civil liability insurance.
Will my private car insurance go up after an impaired driving conviction?
Usually, yes. Private insurers set their own rates, and most treat a driver with an impaired driving conviction as high risk. Compare several quotes through a broker.
Does my driver’s licence cost more after a DUI?
The insurance contribution on your licence goes up when you have demerit points on your record. For 2026, the SAAQ lists a Class 5 licence at $50.23 for drivers without demerit points, while drivers with points pay more.
How much does a first impaired driving offence cost in Quebec?
The SAAQ estimates at least $5,000 for a first offence once fines, assessments, the interlock and a new licence are added, before legal fees and higher insurance.
Sources: SAAQ, insurance contributions, SAAQ, costs of impaired driving and Éducaloi. Checked November 2026. We are not an insurance broker and do not sell insurance. This is general information, not legal or insurance advice.
