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.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A reduced or withdrawn charge often avoids the insurance impact entirely — the fine is frequently the smaller cost.
Free to use on your own website or blog — just copy the code below. Includes attribution back to Legal Solutions Law Firm.
<iframe src="https://legalsolutionslawfirm.ca/insurance-premium-increase-calculator?embed=1" style="width:100%;max-width:480px;border:0;min-height:680px;" title="Insurance Premium Increase Calculator" loading="lazy"></iframe>
<p style="font:12px/1.4 -apple-system,sans-serif;text-align:center;margin:6px 0 0;">
<a href="https://legalsolutionslawfirm.ca/insurance-premium-increase-calculator" target="_blank" rel="noopener">Powered by Legal Solutions Law Firm</a>
</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.
Schedule your free consultation. We fight traffic tickets across Toronto and the GTA to protect your driving record and insurance rate.
A calculator is a starting point — for advice on your specific situation, speak with an experienced Ontario lawyer. Free consultation.