Yes, a texting or distracted driving ticket can affect your auto insurance. Insurance companies consider a driver’s record, including any traffic violations, when determining the cost of their insurance premium.

A texting or distracted driving ticket is considered a moving violation and can result in a higher insurance premium. This is because insurance companies view texting and driving as a serious safety risk and may consider you a higher risk driver, which can increase your insurance costs.

In addition, multiple tickets for texting or distracted driving can result in even higher insurance premiums, as well as potentially putting your license and driving privileges at risk.

What is considered distracted driving?

Distracted driving is defined as any activity that takes a driver’s attention away from the road. This includes, but is not limited to:

• Using a handheld cell phone or other electronic device while driving, such as texting or talking on the phone
• Eating or drinking while driving
• Reading a map, book, or other material
• Using a GPS or navigation system
• Adjusting the radio, CD player, or other entertainment system
• Applying makeup or grooming
• Turning to talk to passengers in the car

In general, any activity that takes a driver’s hands, eyes, or attention off the road for any amount of time is considered distracted driving and is illegal in Ontario.

It’s important to avoid all forms of distracted driving to stay safe on the road and prevent accidents, as well as to avoid the penalties associated with distracted driving tickets, including fines, demerit points, and higher insurance premiums.

How does distracted driving affect insurance?

The amount your car insurance premium may increase after receiving a texting or distracted driving ticket depends on several factors, including:

1. Your insurance provider: Different insurance companies have different policies and pricing structures, so it’s important to consider this when determining how much your premium may increase.
2. The severity of the ticket: The severity of the ticket (such as whether it was a first or subsequent offense) can also impact the amount your premium may increase.
3. Your driving record: Insurance companies will consider your overall driving record when determining the cost of your premium. If you have a clean driving record, your premium may not increase as much as it would if you had multiple prior infractions.
4. Your state or province: The laws and regulations regarding distracted driving and car insurance premiums can vary by state or province, so it’s important to consider this when determining the impact of a ticket on your insurance premium.

On average, a distracted driving ticket can cause your car insurance premium to increase by around 10 to 20 percent. However, this can vary greatly depending on the specific circumstances, so it’s important to consult with your insurance provider for a more accurate estimate.

Average costs of car insurance before and after a distracted driving ticket

The average cost of car insurance after a distracted driving ticket in Canada can vary depending on several factors, including the severity of the offense, the driver’s age, location, and driving record.

To give you an idea of the average cost of car insurance after a distracted driving ticket in 5 major cities in Ontario, Alberta, Quebec, and Nova Scotia, here are some estimates based on a sample driver profile:

Driver Profile:

• 25-year-old male
• 1 distracted driving ticket on their record
• Owns a 2015 Toyota Corolla
• Drives around 12,000 kilometers per year
• Lives in the city center

Note: These are only estimates, and the actual cost of insurance can vary depending on many factors.

1. Ontario:

a. Toronto:

• Average annual cost before ticket: $2,500
• Average annual cost after ticket: $4,200
• Percentage change: 68%

b. Ottawa:

• Average annual cost before ticket: $2,200
• Average annual cost after ticket: $3,600
• Percentage change: 64%

c. Mississauga:

• Average annual cost before ticket: $2,800
• Average annual cost after ticket: $4,800
• Percentage change: 71%

d. Brampton:

• Average annual cost before ticket: $3,000
• Average annual cost after ticket: $5,100
• Percentage change: 70%

e. Hamilton:

• Average annual cost before ticket: $2,400
• Average annual cost after ticket: $4,200
• Percentage change: 75%

2. Alberta:

a. Calgary:

• Average annual cost before ticket: $2,800
• Average annual cost after ticket: $3,900
• Percentage change: 39%

b. Edmonton:

• Average annual cost before ticket: $3,000
• Average annual cost after ticket: $4,200
• Percentage change: 40%

c. Red Deer:

• Average annual cost before ticket: $2,500
• Average annual cost after ticket: $3,600
• Percentage change: 44%

d. Lethbridge:

• Average annual cost before ticket: $2,200
• Average annual cost after ticket: $3,300
• Percentage change: 50%

e. Fort McMurray:

• Average annual cost before ticket: $3,500
• Average annual cost after ticket: $4,900
• Percentage change: 40%

3. Quebec:

a. Montreal:

• Average annual cost before ticket: $1,800
• Average annual cost after ticket: $2,800
• Percentage change: 56%

b. Quebec City:

• Average annual cost before ticket: $1,500
• Average annual cost after ticket: $2,300
• Percentage change: 53%

c. Sherbrooke:

• Average annual cost before ticket: $1,400
• Average annual cost after ticket: $2,200
• Percentage change: 57%

d. Trois-Rivières:

• Average annual cost before ticket: $1,300
• Average annual cost after ticket: $2,000
• Percentage change: 54%

e. Gatineau:

• Average annual cost before ticket: $1,900
• Average annual cost after ticket: $3,000
• Percentage change: 58%

4. Nova Scotia:

a. Halifax:

• Average annual cost before ticket: $1,800
• Average annual cost after ticket: $2,900
• Percentage change: 61%

b. Dartmouth:

• Average annual cost before ticket: $1,700
• Average annual cost after ticket: $2,700
• Percentage change: 59%

c. Sydney:

• Average annual cost before ticket: $1,400
• Average annual cost after ticket: $2,200
• Percentage change: 57%

d. Truro:

• Average annual cost before ticket: $1,200
• Average annual cost after ticket: $1,900
• Percentage change: 58%

e. Bridgewater:

• Average annual cost before ticket: $1,400
• Average annual cost after ticket: $2,200
• Percentage change: 57%

Please note that these are only estimates, and the actual cost of insurance can vary depending on several factors, including the severity of the distracted driving offense and the insurance company. It’s always a good idea to shop around and compare insurance quotes from different providers before making a decision. Additionally, a distracted driving ticket can also lead to increased fines, penalties, and license suspension, so it’s important to avoid distracted driving and prioritize safe driving habits at all times.

How long does a distracted driving ticket stay on your record in Ontario?

How much is a fine for texting and driving in Canada?

Here is a summary of the fines for texting and driving in some Canadian provinces:

1. Ontario: The fine for texting and driving in Ontario is $615 for a first offence, and $615 for each subsequent offence.
2. Alberta: The fine for texting and driving in Alberta is $287 for a first offence, and $287 for each subsequent offence.
3. British Columbia: The fine for texting and driving in British Columbia is $368 for a first offence, and $368 for each subsequent offence.
4. Quebec: The fine for texting and driving in Quebec is $300 for a first offence, and $600 for each subsequent offence.
5. Manitoba: The fine for texting and driving in Manitoba is $672 for a first offence, and $672 for each subsequent offence.
6. Saskatchewan: The fine for texting and driving in Saskatchewan is $280 for a first offence, and $280 for each subsequent offence.
7. Nova Scotia: The fine for texting and driving in Nova Scotia is $337.50 for a first offence, and $337.50 for each subsequent offence.

It’s important to note that the fines for texting and driving can vary depending on the province, and can be subject to change. Additionally, the fines may be accompanied by other penalties, such as demerit points, increased insurance premiums, and license suspension.

It’s important to avoid texting and driving and to follow all traffic laws and regulations in order to stay safe on the road and avoid costly fines and other penalties.

How many demerit points will I receive for texting and driving in Canada?

Here is a summary of the number of demerit points that a driver can receive for texting and driving in some Canadian provinces:

1. Ontario: In Ontario, a driver can receive 3 demerit points for texting and driving.
2. Alberta: In Alberta, a driver can receive 3 demerit points for texting and driving.
3. British Columbia: In British Columbia, a driver can receive 5 demerit points for texting and driving.
4. Quebec: In Quebec, a driver can receive 5 demerit points for texting and driving.
5. Manitoba: In Manitoba, a driver can receive 5 demerit points for texting and driving.
6. Saskatchewan: In Saskatchewan, a driver can receive 5 demerit points for texting and driving.
7. Nova Scotia: In Nova Scotia, a driver can receive 4 demerit points for texting and driving.

Can I fight a distracted driving ticket in Canada?

Yes, you can fight a distracted driving ticket in Canada, but the process can vary by province.

1. Ontario: In Ontario, you can dispute a distracted driving ticket by pleading not guilty and going to court. You can also request a trial in writing, or attend a trial in person. It’s important to be prepared with any evidence or witnesses that can support your case.
2. Alberta: In Alberta, you can dispute a distracted driving ticket by pleading not guilty and going to court. You can also request a trial in writing, or attend a trial in person. It’s important to be prepared with any evidence or witnesses that can support your case.
3. British Columbia: In British Columbia, you can dispute a distracted driving ticket by pleading not guilty and going to court. You can also request a trial in writing, or attend a trial in person. It’s important to be prepared with any evidence or witnesses that can support your case.
4. Quebec: In Quebec, you can dispute a distracted driving ticket by pleading not guilty and going to court. You can also request a trial in writing, or attend a trial in person. It’s important to be prepared with any evidence or witnesses that can support your case.
5. Manitoba: In Manitoba, you can dispute a distracted driving ticket by pleading not guilty and going to court. You can also request a trial in writing, or attend a trial in person. It’s important to be prepared with any evidence or witnesses that can support your case.
6. Saskatchewan: In Saskatchewan, you can dispute a distracted driving ticket by pleading not guilty and going to court. You can also request a trial in writing, or attend a trial in person. It’s important to be prepared with any evidence or witnesses that can support your case.
7. Nova Scotia: In Nova Scotia, you can dispute a distracted driving ticket by pleading not guilty and going to court. You can also request a trial in writing, or attend a trial in person. It’s important to be prepared with any evidence or witnesses that can support your case.

It’s important to note that the process of fighting a distracted driving ticket can vary by province, so it’s best to consult with a legal professional or the relevant government agency to understand the specific rules and procedures in your province.

What happens if I ignore a distracted driving ticket in Canada?

If you ignore a distracted driving ticket in Canada, the consequences can vary by province, but generally include additional fines and penalties, as well as the possibility of license suspension or even legal action.

1. Ontario: If you ignore a distracted driving ticket in Ontario, the fine will increase, and the Ontario Ministry of Transportation may take steps to suspend your driver’s license or impose additional penalties.
2. Alberta: If you ignore a distracted driving ticket in Alberta, the fine will increase, and the Alberta government may take steps to suspend your driver’s license or impose additional penalties.
3. British Columbia: If you ignore a distracted driving ticket in British Columbia, the fine will increase, and the British Columbia government may take steps to suspend your driver’s license or impose additional penalties.
4. Quebec: If you ignore a distracted driving ticket in Quebec, the fine will increase, and the Quebec government may take steps to suspend your driver’s license or impose additional penalties.
5. Manitoba: If you ignore a distracted driving ticket in Manitoba, the fine will increase, and the Manitoba government may take steps to suspend your driver’s license or impose additional penalties.
6. Saskatchewan: If you ignore a distracted driving ticket in Saskatchewan, the fine will increase, and the Saskatchewan government may take steps to suspend your driver’s license or impose additional penalties.
7. Nova Scotia: If you ignore a distracted driving ticket in Nova Scotia, the fine will increase, and the Nova Scotia government may take steps to suspend your driver’s license or impose additional penalties.

It’s important to note that the consequences of ignoring a distracted driving ticket can vary by province, and can be subject to change. It’s best to consult with a legal professional or the relevant government agency to understand the specific consequences in your province.

How can I prevent distracted driving?

Here are some tips to prevent distracted driving:

1. Put your phone away: Turn off your phone or put it in a place where you can’t reach it while driving. This will help you avoid the temptation to check your phone while behind the wheel.
2. Plan ahead: If you need to make a call or send a text, do so before you start driving, or pull over and park in a safe place before using your phone.
3. Use hands-free technology: If you need to use your phone while driving, consider using hands-free technology, such as a Bluetooth headset or in-car system.
4. Avoid eating or drinking while driving: Eating or drinking while behind the wheel can take your attention off the road and increase your risk of an accident.
5. Minimize other distractions: Avoid engaging in other activities that can take your attention off the road, such as grooming, reading, or reaching for objects in the car.
6. Focus on driving: Try to focus solely on driving and avoid multitasking behind the wheel.
7. Teach others about the dangers of distracted driving: Spread the word about the dangers of distracted driving and encourage others to be mindful of this issue.

Remember, driving is a serious responsibility, and it’s important to always be alert and focused when behind the wheel. By following these tips, you can help prevent distracted driving and stay safe on the road.

Distracted Driving Ticket FAQs

Sure, here are some frequently asked questions about distracted driving tickets:

1. What is distracted driving? Distracted driving is any activity that takes your attention away from driving, such as using a cell phone or texting, eating, drinking, or adjusting the radio or navigation system.
2. How much is a distracted driving ticket? The cost of a distracted driving ticket varies by location and severity of the offense. In Canada, for example, fines for distracted driving can range from $615 to $3,000, depending on the province and number of offenses.
3. Will a distracted driving ticket affect my insurance rates? Yes, a distracted driving ticket can result in higher insurance rates. The amount of the increase will depend on several factors, including your driving record, the severity of the offense, and your insurance provider’s policies.
4. Can I fight a distracted driving ticket? Yes, you have the right to dispute a distracted driving ticket in court. However, it’s important to remember that the burden of proof is on you to demonstrate that you were not distracted while driving.
5. How can I avoid distracted driving? To avoid distracted driving, it’s important to put away all distractions before getting behind the wheel. This includes turning off your cell phone, eating and drinking before or after driving, and programming your navigation system before you start driving. It’s also important to stay focused on the road, keep your hands on the wheel, and avoid engaging in any distracting activities while driving.
6. How long does a distracted driving ticket stay on your driving record? The length of time a distracted driving ticket stays on your driving record can vary by location. In most provinces and states, the ticket will stay on your record for at least 3 years, but it can remain on your record for up to 10 years in some cases.
7. Can a distracted driving ticket affect my ability to drive? Yes, a distracted driving ticket can have serious consequences for your ability to drive. In some cases, it can result in the suspension or revocation of your driver’s license. It can also affect your ability to get car insurance or cause your insurance rates to increase significantly.
8. Are there any exceptions to distracted driving laws? In some locations, there may be exceptions to distracted driving laws for emergency personnel, such as police officers or firefighters, who need to use a cell phone or other device while driving as part of their job duties. However, in most cases, distracted driving laws apply to all drivers, regardless of their profession.
9. What should I do if I receive a distracted driving ticket? If you receive a distracted driving ticket, it’s important to take it seriously and address the issue promptly. You may be able to dispute the ticket in court, but it’s a good idea to consult with an attorney or traffic ticket specialist first. You can also take steps to avoid distracted driving in the future, such as putting away all distractions before driving and focusing on the road at all times.
10. Are there any legal consequences for causing an accident while distracted driving? Yes, if you cause an accident while distracted driving, you could face serious legal consequences, including fines, license suspension or revocation, and even criminal charges in some cases. If the accident results in injury or death, you could face more severe penalties.
11. Can I get a distracted driving ticket for using hands-free devices? In some locations, using hands-free devices is allowed while driving, but in others, it is still considered a form of distracted driving and can result in a ticket. It’s important to check the laws in your area to determine what is considered distracted driving.
12. Are there any apps or tools that can help prevent distracted driving? Yes, there are many apps and tools available that can help prevent distracted driving. Some examples include apps that automatically turn off notifications while driving, tools that block cell phone use while the car is in motion, and devices that can be installed in your car to detect distracted driving behavior.
13. How can I find out more about distracted driving laws in my area? To find out more about distracted driving laws in your area, you can visit your state or provincial government’s website, contact your local Department of Motor Vehicles or Ministry of Transportation, or consult with a local attorney or traffic ticket specialist.
14. Can passengers be ticketed for distracted driving? No, passengers cannot be ticketed for distracted driving, as the laws apply only to the driver of the vehicle.
15. Are there any exceptions to distracted driving laws for commercial drivers? In some locations, there may be exceptions to distracted driving laws for commercial drivers who need to use a cell phone or other device as part of their job duties. However, in most cases, distracted driving laws apply to all drivers, regardless of their profession.
16. Can a distracted driving ticket affect my ability to get a job? Yes, a distracted driving ticket could potentially affect your ability to get a job, especially if the job involves driving or operating heavy machinery. Some employers may view a distracted driving ticket as evidence of poor judgment or a lack of responsibility, which could affect your chances of getting hired.
17. What should I do if I see someone else driving distracted? If you see someone else driving distracted, the best thing you can do is to avoid getting involved and focus on your own driving. If the driver poses an immediate danger, you can contact the police or local law enforcement. However, it’s important to avoid any actions that could put yourself or others at risk.
18. How can I help raise awareness about the dangers of distracted driving? There are many ways you can help raise awareness about the dangers of distracted driving, such as talking to your friends and family about the issue, sharing information on social media, and supporting local organizations that work to promote safe driving habits. You can also take a pledge to avoid distracted driving and encourage others to do the same.