Ontario Distracted Driving Insurance: Tailored Coverage for Renewed Focus
Secure the protection you need and stay confident on the road. Fill out, submit, and get your fast quote today!
Ontario Distracted Driving Insurance
A distracted driving conviction can make car insurance more difficult and expensive to obtain. Humberview Insurance Brokers helps Ontario drivers compare available insurance options.
Distracted Driving Car Insurance Options
| Third-Party Liability | Accident Benefits | Uninsured Automobile | Collision |
|---|---|---|---|
| Protection against covered liability claims | Benefits if you're injured in an accident | Protection involving uninsured drivers | Damage to your vehicle from a collision |
| Comprehensive | Rental Vehicle Coverage | Transportation Replacement | Depreciation Waiver |
| Theft, vandalism and other covered losses | Coverage when driving rented vehicles | Helps cover temporary transportation after a claim | Protects eligible new vehicles from depreciation |
Coverage availability varies by insurer, vehicle, driving history and eligibility. Coverage is subject to policy terms, conditions, limits and exclusions.
What is Distracted Driving Insurance in Ontario?
Distracted Driving Insurance in Ontario refers to specialized auto insurance coverage for drivers with distracted driving convictions on their records. Since distracted driving (e.g., texting while driving, using a phone without hands-free technology, or other distractions behind the wheel) significantly increases accident risk, many insurance companies view these drivers as high risk, resulting in higher premiums. Distracted Driving Convictions usually result from:
Using a phone or other hand held communication device
Viewing display screens such as watching a movie
Using a tablet or portable gaming device
Programming a GPS Device
Ontario Distracted Driving Car Insurance FAQ
-
How is Distracted Driving Defined in Ontario?
Distracted driving in Ontario is defined as any activity that diverts your attention from driving, specifically the use of hand-held electronic devices. This includes texting, calling, or programming a GPS while driving. Even holding an electronic device is considered distracted driving, and the law also prohibits viewing display screens unrelated to driving.
-
How Long Does a Distracted Driving Conviction Stay on My Record?
A distracted driving conviction typically stays on your driving record for three years. However, some insurance companies may review your record for up to six years if the conviction involved a license suspension. Insurers use this extended period to assess risk, particularly for major offenses like distracted driving that lead to suspension.
-
Can I Get Car Insurance in Ontario After a Distracted Driving Ticket?
Yes, you can still get car insurance after a distracted driving conviction, but you may face higher premiums. Since distracted driving is considered a major offense in Ontario, insurance companies will view you as a higher-risk driver, which will result in increased rates.
-
How Can I Reduce My Insurance Rates After a Distracted Driving Ticket?
To reduce your insurance rates after a distracted driving ticket, consider the following strategies:
- Comparison shop:
Get quotes from different insurers, as some may offer better rates for high-risk drivers.
- Bundle policies:
Combine your car insurance with other types of insurance, like home insurance, to access discounts.
- Telematics programs:
Some insurers offer usage-based insurance programs that track your driving habits. Safe driving behavior can help lower your premiums over time.
- Increase deductibles:
Opting for higher deductibles can lower your monthly premiums.
- Comparison shop:
-
Can I Use My Phone if I Am Stopped at a Red Light?
No, you cannot use your phone at a red light. In Ontario, the law prohibits the use of hand-held devices even when stopped at traffic lights or in traffic jams. The vehicle must be safely parked in a lawful parking spot to use a phone.
-
What Kind of Conviction is "Drive - Handheld Communication Device"?
A conviction for "Drive - Handheld Communication Device" is considered a major offense under Ontario’s distracted driving laws. It means that the driver was caught using a hand-held device, such as a phone, while driving. This offense carries penalties such as fines, demerit points, and license suspensions, especially for repeat offenders, and will significantly impact your insurance rates.
Ontario Distracted Driving Insurance Guides & Resources for Drivers
Back on Track Ontario Program: Cost, Locations, Timeline & Requirements (2026)
Ignition Interlock Cost Ontario (2026 Guide) | Installation Locations & Monthly Fees
How Long Does a Speeding Ticket Stay on Your Insurance Record (Ontario 2026)
How to Switch Car Insurance When Moving to Ontario: Complete Guide for New Residents coming from another Province
Automatic Emergency Braking
