Cheapest Convicted Car Insurance After Drug Driving Ban?

Find affordable car insurance for drivers with convictions and points by answering below.

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How to get cheaper convicted driver insurance
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Janine Marsh
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Janine Marsh

Financial Expert

My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.

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- Financial Expert
Updated 24 August 2023
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Cheapest Convicted Car Insurance After Drug Driving Ban

Lately, I have been looking at the cost of car insurance. During my research, I have discovered that people who have serious motoring convictions, such as a drug driving conviction, face a significant increase in the cost of their car insurance. So, therefore, in this post, I will look at how drug driving convictions and bans can make it hard to find cheap car insurance.

How to find the cheapest insurance with a conviction

If you’ve got a conviction or points, getting insurance through a standard provider could be more expensive. 

You might find cheaper deals through specialist insurers.

I’ve partnered with Quotezone who can help you find the best insurance specifically for convicted drivers with points.

Fill out the simple form below to find great quotes for convicted drivers today. 

Find the cheapest insurance for drivers with a conviction

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What Is a Drug Driving Conviction?

There are quite a few conviction codes that relate to drug driving convictions in some way, and I have made the table below, which details them.

Conviction Code Driving Offence Penalty Points Spent After
CD50 Causing death through careless driving while unfit through drugs 3 – 11 11 Years
DG60 Causing death by careless driving with drug levels above the limit 3 – 11 11 Years
DG10 Driving or attempting to drive with a drug level above the specified limit 3 – 11 11 Years
DG40 In charge of a vehicle while drug level is above a specified limit 10 4 Years
DR90 In charge of a vehicle when unfit through drugs 10 4 Years
DR80 Driving or attempting to drive when unfit through drugs 3 – 11 11 Years

Something to note here is that you can be convicted of drug driving for taking either prescription drugs or illegal drugs while in charge of a vehicle. However, you generally wouldn’t get a criminal conviction for having prescription drugs on you that a doctor has prescribed you.

Does Drug Driving Affect Insurance?

Yes, all drug driving convictions that are unspent, will have an impact on both your ability to get competitive car insurance quotes and also on whether traditional insurers will want to touch you. Drug driving is a serious motoring offence and can potentially leave you with a criminal record as well.

How Long Does Drug Driving Affect Insurance?

As you can see from the table that I added in a previous section, drug driving convictions do not become spent for up to 11 years. Your ability to get affordable insurance premiums will be impacted for this entire time.

Don’t get ripped off by insurance companies

Getting affordable car insurance with a conviction or points can feel impossible, especially if you’re using standard comparison websites. 

Luckily, there are some specialist insurers out there… you just need to know where to find them!

I’ve partnered with Quotezone to provide access to some of the best specialist convicted drivers’ insurance deals available.


In partnership with QuoteZone

How Much Does Insurance Go Up After a Drug Driving Ban?

How much your car insurance goes up will depend on the seriousness of the conviction. For example, a speeding ticket is going to have less impact on the cost than drunk driving would. However, as a rule of thumb, being caught driving while using prescription drugs or illegal drugs, will increase the cost of your car insurance premiums by at least 100%.

Can You Get Insurance After Drug Driving?

Yes, you should still be able to get drug driving insurance or drunk driving insurance as long as you were not banned. But you can expect it to be much harder to find affordable drug-driving insurance.

How Long Do You Have To Declare Drug Driving to Insurance?

Convicted drivers need to declare all convictions unless they are spent, and this includes any driving disqualifications. If you fail to do this, you would be obtaining drug driving insurance through fraudulent means. Attempting to drive with insurance that is invalid could lead to another conviction.

How Long Do Drug Driving Convictions Stay on Your Record?

Here, I am going to talk about how long penalty points stay on your licence, as I already covered how long convictions last. If you are trying to find cheap drug driving insurance, you should first look at the total and dates of any penalty points on your licence. Work out whether any have become spent. You don’t need to tell your insurer about these. Some points might be on a shorter (4-year) duration.

Does Drug Driving Count as a Criminal Conviction?

A drug-driving conviction doesn’t always have a criminal conviction attached. In the same way, a drunk driving ban doesn’t always lead to a criminal conviction, but can in some cases. This is especially true when the driver has been prescribed drugs by a doctor and was found to be attempting to drive on them. The drugs themselves are not illegal. It is just driving over the specified limit that is safe that was illegal.

What Convictions Do You Have To Declare for Car Insurance?

If you are looking for drug driver insurance, you need to understand that convicted drivers have to tell the insurance company about all unspent convictions. You do not have to tell the insurance provider about spent convictions, even if they ask.

Is Insurance Void if Drug Driving?

You won’t necessarily have invalid insurance after a drug driving conviction. Not unless you are driving or attempting to drive when you have been disqualified. In this case, your insurance would be invalid.

Why Insurers Penalise Drink and Drug Driving

The reason it is hard to find affordable car insurance after a drug driving conviction is that you are now seen as a high-risk driver. This means that insurance companies will charge you more, to offset this risk. Not all insurance companies calculate risks the same way, so being a higher risk to one firm, might not work out the same as another.

What Are the Different Kinds of Drug Driving Convictions?

I already provided a table explaining the different conviction codes related to taking a substance affects your ability to drive. These codes are split into two categories, as below.

  • General convictions (3 to11 points) – CD50, DG60, DG10, DR80.
  • Special convictions (fixed 10 points) – DG40, DR90.

What About Multiple Convictions?

If you have multiple convictions, even if they are the same conviction code, the only thing that matters to an insurer is a) whether you were banned, and b) how many penalty points you have. 

What Type of Cover Can I Get Under a Drug Driving Car Insurance Policy?

As long as you can afford it, you can have a fully comprehensive cover. But this will likely be rather expensive. You may find it a lot cheaper to switch to third-party-only insurance.

Affordable Convicted Driver Insurance

To help you avoid some of the ludicrously expensive packages out there and actually find something reasonable I’ve partnered with Quotezone.

They bring together some of the best specialist deals for convicted drivers to make your search easier. 

Try it below.


In partnership with QuoteZone

How Can I Save Money on My Drug Driving Car Insurance?

You really need to shop around to find the best deal on insurance if you have convictions. There are two good options here. Either use a comparison website or ask a broker for help. Both can make the effort of finding affordable insurance easier.

How Can I Save Money on My Drug Driving Car Insurance

Can I Still Get Drug Driving Car Insurance if I Have Been Disqualified?

No, there is no such thing as vehicle insurance for banned drivers No insurance companies will even quote you for car insurance as a banned driver.

Can I Get Insurance With DR10?

A DR10 conviction is generally related to drunk driving, but it can be used for drug driving as well. A DR10 can be a very serious conviction and may result in a ban. If you are not banned but do have an unspent DR10 conviction, you can expect insurance premiums to be costly.

The authors
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My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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