How long they count
Most insurers look back about three years for traffic convictions and about six years for at-fault accidents. A minor ticket usually matters much less than speeding well over the limit, distracted driving or a licence suspension.
Who decides fault
In Ontario, fault is set by the Fault Determination Rules, a regulation that assigns responsibility based on the type of collision. If you think a claim was rated incorrectly, ask your agent to review it with the insurer.
Getting the best rate you can
- Avoid lapses. A gap on top of a ticket makes things worse.
- Consider paying small damage yourself instead of claiming. Ask your agent before deciding.
- Ask about accident forgiveness once your record is clean again.
- Raise deductibles and review optional coverage to offset the increase.
If you have been refused or cancelled
Drivers with several tickets, a suspension or a cancellation for non-payment can still get insured, sometimes through insurers that specialize in higher-risk drivers. Expect a higher price for a few years, then ask for a new quote as items drop off your record.
Common questions
Does a ticket I fought and won count?
No. Only convictions count. If a charge was withdrawn or you were found not guilty, it should not affect your rate.
Should I report a small accident?
In Ontario you must report collisions to police in certain situations, such as injuries or damage above the reporting threshold. Whether to claim on your insurance is a separate decision. Talk to your agent first.
This guide is general information, not advice for your situation. Coverage depends on your insurer and your policy wording. Ask a licensed agent before making changes.