Free Legal Tool
Estimate how much a traffic conviction could raise your Ontario car insurance premium, based on the severity of the offence.
Illustrative estimate only. Actual increases vary significantly by insurer and driving history.In Ontario, a traffic conviction can raise your auto insurance premium for three years — the period insurers typically review. Minor convictions such as speeding under 50 km/h over may add a modest surcharge, while major convictions like stunt driving or distracted driving, or an at-fault accident, can increase premiums by 25% or more or trigger a high-risk rating. The demerit points themselves do not set the rate; the conviction on your record does.
A minor speeding ticket may barely move your rate, while a distracted driving conviction can trigger a 25-50% surcharge.
Stunt driving, DUI, and racing can double or triple your premium — or get your policy cancelled outright.
Most convictions affect your insurance for 3 years; serious convictions and suspensions can affect it for up to 6 years.
A reduced or withdrawn charge often avoids the insurance impact entirely — the fine is frequently the smaller cost.
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</p>Our lawyers and paralegals fight traffic tickets across Toronto and the GTA to help you avoid a conviction — and the insurance hit that comes with it. Get a free consultation.
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