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Do Parking Tickets Affect Your Insurance?

Thursday, 14 April 2016

With auto insurance rates increasing across Ontario, it makes sense to question what factors affect your insurance rate. When determining whether parking tickets affect your insurance, it makes sense to identify what factors your insurance company uses to determine your insurance premium. There are several factors including your driving history, driving violations, accidents, as well as the type of vehicle you drive. We have a different post that discusses factors that determine your car insurance rate. In this blog post we will answer the question "Do parking tickets affect your insurance?".

What Type of Parking Tickets are There?

Parking tickets are not considered to be traffic violations as they are not moving violations. There are several types of parking infractions, the most common of these are:

  • Parking in a no stopping zone
  • Parking in a no parking zone
  • Parking near a fire hydrant
  • Parking in a diabled parking zone
  • Parking in a snow route or fire route zone

Do Parking Tickets Affect Your Insurance?

The simple answer to whether parking tickets affect your insurance is no. Parking tickets themselves will not affect your insurance. Parking tickets are not moving violations so will not go on your insurance history record or driving record. No matter how many parking tickets you receive, they will not increase your insurance rates. 

However failing to pay them could result in your license being suspended which can end up on your driving record, resulting in an increase in rates that way. Most parking tickets in Ontario allow 15 days to pay your ticket. You should then receive a reminder in the mail before it is provided to the Ministry of Transportation. If you fail to pay your parking tickets, you will be unable to renew your license plate which will suspend your license. So while most driving violations will affect your insurance rate, parking tickets are not something that will increase your insurance rates unless you do not pay them.

Demerit points and other traffic violations may have a different impact on your rates. Click here to learn more.


By: Charlotte Mahy