Ontario Auto Insurance

Car Insurance With Tickets & Convictions in Ontario

A speeding ticket or driving conviction can affect your auto insurance, but it doesn't necessarily mean every insurance company will treat your driving record the same way. Verdant Insurance helps Ontario drivers compare available options from multiple insurers.

Get an Auto Insurance Quote Call 905-412-2929
Have a ticket on your record?
✓ Compare available Ontario insurance markets
✓ Review tickets and convictions with a licensed broker
✓ Consider your full driving and insurance history
✓ Review auto and property options together when eligible

Your Driving Record

Have a Ticket? Your Insurance Options Can Vary by Company.

Insurance companies have their own underwriting rules. The type and number of convictions, when they occurred, your accident history and your overall insurance history can all affect pricing and eligibility.

1

One Minor Ticket

A single minor conviction does not automatically mean every driver requires high-risk insurance. Your available options depend on the insurer and the rest of your driving history.

2

Multiple Tickets

Several convictions can affect both pricing and the number of standard insurance markets available to you.

3

Serious Convictions

More serious driving convictions can have a greater impact on eligibility and may require different insurance markets.

4

Tickets + Accidents

Insurers look at your overall driving record. A combination of convictions and at-fault accidents can materially change the available options.

Common Driving Convictions

What Types of Tickets Can Affect Car Insurance?

Moving convictions can be considered by insurance companies when they assess your driving record. The effect depends on the specific conviction, your history and the insurer's underwriting rules.

Speeding Tickets

A speeding conviction may affect your auto insurance pricing or eligibility depending on the circumstances and your overall record.

Distracted Driving

Distracted-driving convictions can have significant insurance consequences and may affect which insurance markets are available.

Prepare for a quote

Help your broker review the whole picture.

Have your details ready

Provide the type and date of each conviction, your licence history, vehicles, drivers and prior insurance details. Explain any accidents or other changes accurately so the broker can review eligibility with the available markets.

Review the household together

If you own a home or insure multiple vehicles, mention the other drivers and policies. Ask whether available home insurance and auto insurance options suit your household. Eligibility and any multi-policy discount depend on the insurer.

Tickets and insurance: common questions

Does one minor conviction automatically make me a high-risk driver?
No. A minor conviction is one part of your record. Each insurer considers its underwriting rules and your broader driving and insurance history.
Can Verdant guarantee a lower premium?
No. A broker can review available options, but pricing and eligibility depend on the insurer and your circumstances. Compare coverage, limits and deductibles alongside price.
Should I include other household vehicles?
Yes. Tell the broker about every driver and vehicle you want considered, including a newly licensed family member. Accurate household details help the review.
Where can I learn about insurer eligibility rules?
Read FSRA’s explanation of auto insurance underwriting rules, and ask your broker about the rules relevant to your application.

Review your Ontario auto insurance options.

Tell Verdant about your tickets, vehicles and household insurance needs. A Markham-based broker can review your information and available options.

Request an Auto Insurance QuoteCall 905-412-2929

Submitting an enquiry does not bind insurance. Coverage and pricing depend on underwriting and policy terms.