4 Tickets That Don't Affect Your Car Insurance Premium (but You Should Still Avoid Anyway)

A warning sign at an intersection stating that there is a red-light camera on site.
  • There are usually three penalties for a ticket: the fine itself, the effect on your insurance, and demerit points. But four tickets only come with a fine.
  • From just a few bucks to a few hundred dollars, the fines vary on the severity of the infraction.

When it comes to tickets that drivers get, there are usually three penalties for breaking the rules. There’s the fine itself, the effect the ticket has on your auto insurance rate, and the demerit points that are tacked on to your driving record.

But like any good rule, there are exceptions. Believe it or not, some tickets only come with a fine and won’t touch your insurance. However, the fine is often hefty enough to deter repeat offenders.

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Tickets that won’t result in a hike in your premium

Most tickets will indeed affect your premiums; however, there are four that won’t:

1. Parking tickets

Parking tickets do not affect your auto insurance rate. But, if you decide to skip out on paying for your parking ticket, you could cause yourself a whole lot of hassle when it’s time to renew your licence plate. You’ll likely have to pay for your tickets as well as the extra fees incurred as a result of non-payment.

2. Driving with an expired sticker

This ticket is going the way of the Dodo bird in Alberta, as this province is getting rid of licence plate stickers as of January 1, 2021. The same is not true in Ontario, where this ticket could cost you a total of $110 (the $85 set fine, $20 victim surcharge, and $5 court fee).

Due to the pandemic, Ontario drivers currently don’t need to worry about this type of ticket. However, once ServiceOntario centres open after the pandemic is fully under control, you’ll want to make sure your plate sticker is current and valid.

3. Red-light camera tickets

Red light camera tickets also do not affect your car insurance rate. Here’s why: It’s not tied to any person’s driving record.

If you run a red light at an intersection where there is a red-light camera, a photo will be taken of the vehicle’s licence plate. A ticket is then mailed to the registered owner of the car. The registered owner is on the hook to pay the fine because there is no way of telling who was driving at the time of the infraction.

The fine for a red-light camera ticket in Ontario is $325, and in Alberta, it’s $405.

4. Automated Speed Enforcement (ASE) cameras

For the same reason a red-light camera ticket doesn’t affect your premium, a ticket from an ASE doesn’t as well. There’s no way to know who was driving when the camera caught the vehicle speeding. That doesn’t mean, however, the fines are not significant. The fines are considerable because ASE cameras a generally located in Community Safety Zones.

Community Safety Zones are locations where schools are found. These are areas where a driver should know to expect children nearby and drive even more carefully. As a result, the cost of a speeding ticket can be significant for those who set aside safety.

In Ontario, the fine for speeding in these zones starts at $5.00 per kilometre over the limit and increases the faster you go. And, if you’re caught going 50 km/h or more over the limit don’t need to worry about a speeding ticket in the mail. Instead, they’ll receive a court date with a Justice of the Peace.

Kilometre per hour over posted speed limit Set fine
1-19 km/h $5.00 per kilometre
20-29 km/h $7.50 per kilometre
30-49 km/h $12.00 per kilometre

In Alberta, the fines are also significant. And, similar to Ontario, if you’re caught going 51 km/h or more over the limit you’ll have to appear in court to address your actions.

Kilometre per hour over posted speed limit Range in set fine amount
1 - 15 km/h $68 - $105
16 - 28 km/h $122 - $196
29 - 38 km/h $203 - $290
39 – 50 km/h $300 - $413

In both provinces, the actual money you’ll pay is higher, as there are court fees tacked on to the set fine amount and surcharges. In Alberta, for example, you can expect to pay in the neighbourhood of 20% over and above the set fine in extra fees.

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