The three categories of driving convictions in Ontario

You drive every day, but do you know your rights (and limits) when it comes to driving convictions in Ontario? You may know the roads inside and out, and you may have found the most efficient way to get from point A to point B, but convictions can have a big impact on your car insurance rates.

You’ve never had an accident, and the only trouble you’ve had with the law was a parking ticket years ago.

Here are some facts: In Ontario, we have nearly 10,000,000 licensed drivers according to the Ontario Ministry of Transportation, and in an Ontario Road Safety report conducted years ago there were over 1,000,000 Highway Traffic Act convictions issued.

The good news is that of all the convictions, only 1.3% of them were considered Criminal—and with an increase in awareness and responsible driving, we’re optimistic this number will continue to decrease.

Let’s take a look at the three types of driving convictions in Ontario.

1- Minor driving convictions in Ontario

Minor driving convictions happen, and many of us are guilty of them at some point in our lives. You’re not going to lose your license or go to jail because of one, but there are consequences that may affect your insurance, including:

  1. Failing to signal
  2. Failing to wear a seat belt
  3. Failing to give way to a pedestrian
  4. Speeding
  5. Blocking a bike lane

With more than just cars sharing the road these days, it’s important that you understand the legal consequences and abide by the rules. If you’re moving your child to university, for example, an obstructed view or an overloaded vehicle could lead to a minor driving conviction.

Next time you have the music blaring or decide to risk going the wrong way down a one-way street, bear in mind that you are, technically, committing a minor driving conviction.

2 – Major driving convictions in Ontario

These are the next level and encompass serious infractions like failing to report an accident or driving without insurance. Also covered are things like speeding in a school zone, or failing to stop for a school bus.

Major driving convictions in Ontario are in place to protect vulnerable road users like children, after all.

Just like minor driving convictions, each of the major ones can be ticketed and will become convictions unless you are able to fight it successfully. The best advice is to obey the rules of the road and avoid the the ticket altogether.

3 – Criminal driving convictions in Ontario

These are the driving convictions that will have the biggest impact on your life, and potentially on the lives of others. The most serious criminal driving convictions in Ontario include:

  1. Dangerous driving
  2. Drunk driving
  3. Vehicular manslaughter
  4. Racing
  5. Criminal negligence (when other charges result in loss of life)

Any of these convictions could result in a significant fine, demerit points, and possibly even jail time. Criminal driving convictions can also land you in trouble with your car insurance company, and you can expect to pay a premium for the privilege of driving from that point onward.

Serious driving convictions in Ontario can change lives, affect careers, and lead to major problems with insurance companies. Educating yourself about all three categories to ensure that you maintain your clean driving record and low insurance rates.

On top of it all, being a responsible driver keeps everyone safe—it’s just the right thing to do.


Not sure how your insurance rates are affected? Get an accurate quote in 3 minutes to find out now.

You drive every day, but do you know your rights (and limits) when it comes to driving convictions in Ontario? You may know the roads inside and out, and you may have found the most efficient way to get from point A to point B, but convictions can have a big impact on your car insurance rates.

You’ve never had an accident, and the only trouble you’ve had with the law was a parking ticket years ago.

Here are some facts: In Ontario, we have nearly 10,000,000 licensed drivers according to the Ontario Ministry of Transportation, and in an Ontario Road Safety report conducted years ago there were over 1,000,000 Highway Traffic Act convictions issued.

The good news is that of all the convictions, only 1.3% of them were considered Criminal—and with an increase in awareness and responsible driving, we’re optimistic this number will continue to decrease.

Let’s take a look at the three types of driving convictions in Ontario.

1- Minor driving convictions in Ontario

Minor driving convictions happen, and many of us are guilty of them at some point in our lives. You’re not going to lose your license or go to jail because of one, but there are consequences that may affect your insurance, including:

  1. Failing to signal
  2. Failing to wear a seat belt
  3. Failing to give way to a pedestrian
  4. Speeding
  5. Blocking a bike lane

With more than just cars sharing the road these days, it’s important that you understand the legal consequences and abide by the rules. If you’re moving your child to university, for example, an obstructed view or an overloaded vehicle could lead to a minor driving conviction.

Next time you have the music blaring or decide to risk going the wrong way down a one-way street, bear in mind that you are, technically, committing a minor driving conviction.

2 – Major driving convictions in Ontario

These are the next level and encompass serious infractions like failing to report an accident or driving without insurance. Also covered are things like speeding in a school zone, or failing to stop for a school bus.

Major driving convictions in Ontario are in place to protect vulnerable road users like children, after all.

Just like minor driving convictions, each of the major ones can be ticketed and will become convictions unless you are able to fight it successfully. The best advice is to obey the rules of the road and avoid the the ticket altogether.

3 – Criminal driving convictions in Ontario

These are the driving convictions that will have the biggest impact on your life, and potentially on the lives of others.

The most serious criminal driving convictions in Ontario include:

  1. Dangerous driving
  2. Drunk driving
  3. Vehicular manslaughter
  4. Racing
  5. Criminal negligence (when other charges result in loss of life)

Any of these convictions could result in a significant fine, demerit points, and possibly even jail time. Criminal driving convictions can also land you in trouble with your car insurance company, and you can expect to pay a premium for the privilege of driving from that point onward.

Serious driving convictions in Ontario can change lives, affect careers, and lead to major problems with insurance companies. Educating yourself about all three categories to ensure that you maintain your clean driving record and low insurance rates.

On top of it all, being a responsible driver keeps everyone safe—it’s just the right thing to do.


Not sure how your insurance rates are affected? Get an accurate quote in 3 minutes to find out now.

Seriously, what else can you do in 3 minutes?

Boil half an egg?

You might like these posts, too.

The 10 best places to buy a car in Toronto

The 10 best places to buy a car in Toronto

Should you buy a car in Toronto? You can go back and forth on this decision in a city with so much transit. The freedom of your own vehicle is appealing, but is it practical for city life? If you like to go on weekend trips, visit family and friends back home, or...

read more
The school zone speed limit, insurance, and you

The school zone speed limit, insurance, and you

It's 8:25am, you're running late for work, and you still have to drop the kids off at school. They jump out of the car and you peel out of the parking lot—not noticing the cop just down the street waiting to enforce the school zone speed limit. Oops. Red and blue...

read more
The Best Cars for Students in Ontario

The Best Cars for Students in Ontario

The parent’s guide to the best cars for students in Ontario Your child is all grown up and going off to university! You’ve watched the savings build up slowly, and now they’re off to buy their first set of wheels. They’ll probably ask you for your opinion on the best...

read more

How are we doing?

How are we doing?