How much does a speeding ticket raise insurance in Canada?
A minor speeding conviction (1–15 km/h over) typically raises auto insurance premiums 10–20% in Canada. A moderate speeding conviction (16–29 km/h) raises rates 20–30%. Serious convictions like stunt driving or DUI can double premiums or result in being placed in the high-risk market. Most surcharges last 3–6 years.
Can I avoid an insurance increase after a traffic ticket?
The most reliable way is to avoid a conviction — by fighting the ticket or getting it reduced to a non-conviction offence. Some insurers offer minor conviction forgiveness (typically one per policy term). Increasing your deductible or shopping competitors after a conviction can also partially offset the rate increase.
Do parking tickets affect insurance in Canada?
No. Parking tickets are municipal infractions, not driving convictions, and do not appear on your driving record. Only moving violation convictions issued by a court affect your insurance premiums. Unpaid parking tickets, however, can prevent licence plate renewal in most provinces.