Do Parking Tickets Affect Insurance Ontario?

Do Parking Tickets Affect Insurance Ontario?

Understanding the impact of parking tickets on auto insurance is vital for Ontario drivers. Many are unsure if parking tickets affect their insurance rates. This article clarifies the relationship between parking tickets and auto insurance, helping drivers make informed decisions and avoid unnecessary worries about their premiums.

Do parking tickets affect insurance?

No, parking tickets do not affect auto insurance rates in Ontario. They do not appear on motor vehicle records or driver’s abstracts and are not considered when calculating premiums. Since parking tickets are not classified as moving violations, they are not used for insurance rating purposes.

Do parking tickets affect your driver’s license? 

Parking tickets can impact your driver’s license if they are left unpaid. You won’t be able to renew your driver’s license if you have outstanding vehicle fines. 

Do parking tickets affect demerit points? 

No, parking tickets do not affect demerit points. Since parking tickets are not considered moving violations, they do not impact demerit points, which are part of your driving record.

Do parking tickets increase insurance?

No, parking tickets do not increase insurance rates. Insurance companies do not consider parking tickets when calculating auto insurance premiums. Since parking tickets are not classified as moving violations, they cannot be used to assess driving behavior.

Do parking tickets stay on your driving record?

No, parking tickets do not go on your driving record. They are not categorized as moving violations and do not affect your driving record. 

Do parking tickets go to collections?

Unpaid parking tickets can be sent to collections and impact your credit history, much like any other defaulted payment

Can my license be suspended for unpaid parking tickets?

No, your licenses cannot be suspended for unpaid parking tickets.  However, you won’t be able to renew your driver’s license until all fines have been paid. 

Can you renew your license with unpaid parking tickets? 

You cannot renew your driver’s license if you have unpaid parking tickets. All outstanding vehicle fines must be paid before you can renew your license.

How are parking tickets treated differently from other tickets when it comes to auto insurance?

Parking tickets are classified as non-driving violations, while most other tickets stem from moving violations. Insurance companies consider moving violations like speeding or running a stop sign and adjust your premium based on these infractions. In contrast, parking tickets are ignored by insurance companies because they don’t appear on your motor vehicle record and don’t reflect your driving habits or behavior.

Peter Martire, CIP, CRM, RIBO – Executive Editor and Insurance Advisor

Peter has been working in the insurance industry since 2005. He has over 18 years of experience adjudicating complex auto insurance claims and sales and service brokering. In March of 2024, he partnered with Begin Insurance Inc. as a Senior Insurance Advisor. He also serves as Executive Editor of carinsuranceinontario .ca.

Learn more.