In 2024, distracted driving has become a common issue on Ontario’s roads. Whether it’s someone texting at a red light or holding up traffic while checking their phone at an advanced left turn, these distractions pose serious risks. What many Ontario drivers may not realize are the severe penalties they face if caught, and the long-term impact a distracted driving charge can have on their insurance. In Ontario, a distracted driving conviction doesn’t just come with fines and demerit points—it can also lead to significant increases in your car insurance premium.
Distracted Driving Penalty in Ontario
| Fine (First Offence) | Demerit Points | License Suspension |
| $615 – $1,000 | 3-6 | 3 days (1st), 7 days (2nd), 30 days (3rd) |
Ontario Distracted Driving Law: Penalties for Texting and Using a Phone While Driving
In Ontario, it’s illegal to use hand-held communication devices while driving, including when stopped at a red light. Fines for texting and driving start at $615 and can go up to $3,000 for repeat offenses, with license suspensions and demerit points added. Novice drivers face stricter penalties, including longer suspensions. Avoid using your phone while driving to steer clear of distracted driving tickets and penalties in Ontario.
How Distracted Driving Ticket Impacts Ontario Car Insurance; An Example.
Before the Ticket:
- City: London, Ontario
- Vehicle: 2017 Honda CRV
- Coverage: $1,000 All Perils, $2 million liability
- Annual KM: 15,000
- Premium: $1,357 per year
- Record: No accidents, licensed for over 10 years. Received their first handheld device ticket.
After the Ticket:
Following the distracted driving conviction, the client had to move to a high-risk insurance provider. Their annual premium increased to $3,192—an increase of $1,835. This ticket will remain on their driving record for three years.
It’s important to note that Ontario insurance rates and policies vary between providers, and each driver’s situation is unique. This example may not reflect all outcomes, as premiums are dependent on both the insurance company’s rules and the ones we are contracted to work with.
At Humberview Insurance Brokers, we specialize in providing tailored insurance solutions for Ontario drivers, including those with distracted driving or handheld device convictions. Based in Toronto, we are dedicated to helping clients find the best coverage options, whether you have a clean driving record or require high risk insurance due to a ticket. We pride ourselves on offering competitive Ontario car insurance rates, personalized service, and expert advice to ensure you’re protected on the road. Contact us today for a customized quote!