Parking tickets DO NOT have an impact on your insurance rates.
There are some types of traffic tickets, including moving violations that can affect your insurance. These include:
- Speeding tickets
- Distracted driving tickets, such as holding a hand-held device or cell phone while driving
- Failure to stop at a stop sign
- Careless driving
- Driving under the influence
- Reckless driving
In general, moving violations and tickets issued by a police officer that you are legally are required to pay, may affect your insurance rates. These types of infractions can remain on your driving record for at least three years.
Variations in Alberta and Ontario
While the tickets listed above are applicable to Alberta and Ontario, there are a few tickets that are specific to each province. In Alberta, tickets issued through photo radar do not impact a driver’s insurance rates. In Ontario, drivers can be given a ticket for failing to carry their license or failing to carry the motor vehicle liability insurance card (or otherwise known as your ‘pink card’), which can affect your insurance rating and your premium.
In Alberta and Ontario, tickets issued from having an expired sticker on your license plate do not impact your insurance rates.
To find out if your traffic tickets may affect your auto insurance premiums, contact your local BrokerLink broker. Your broker can check if your rates could be affected by traffic tickets and they can advise you on tips to lower your insurance rates.