All You Need to Know About Demerit Points in Ontario

Getting demerit points on your Ontario driver's license is something you definitely want to avoid. They really impact your driving privileges and how much you pay for insurance. Therefore, knowing how these points add up is key to keeping a clean driving record.

How do demerit points work?

The demerit system was made to make drivers responsible for what they do. 

You don’t start with any demerit points on your driving record. Instead, you get points added when you're found guilty of breaking certain traffic laws.

When you get a ticket, you might get demerit points along with a fine. These points range from 2 for minor offenses to 6 for serious ones. Different driving offenses get assigned different amounts of points. The rules are different depending on whether you’re a new driver or have a full G license.

These points stick around on your record for two years from when you got the ticket. If you get too many points, you could end up losing your driver’s license.

Here’s a list of the demerit points assigned to different offences:

How many demerit points lead to suspension?

If you collect fifteen demerit points or more with a full G license, your driver's license will be automatically suspended for 30 days.

After the suspension, your license will be reinstated, but the points will still stay on your record for two years. If you get more points, you might face another suspension.

For new drivers (G1 & G2), they'll get suspended if they have four or more points. If they get nine or more, the suspension will be for 60 days.

How can I check my demerit points in Ontario?

You can check your demerit points in Ontario by ordering a driver’s record online, going to a ServiceOntario location, or sending a request by mail.

How long do demerit points stay on your record?

Demerit points stay on your driving record for two years from when you got them. After that, they're automatically taken off. But it's a good idea to check your driving record to make sure the points are gone once the two years are up.

How do demerit points affect your insurance?

It's not the demerit points that make your insurance cost more, it's actually the convictions for breaking traffic laws that have the biggest impact on insurance rates. When your license gets suspended, which can happen if you collect too many demerit points, your insurance premium can shoot way up too. This means keeping your record clean without any convictions is key to avoiding big increases in insurance costs, not just avoiding demerit points.

Read: How to Get Cheaper Car Insurance in Canada

Out-of-province tickets and convictions

If you're found guilty of a driving offense in another Canadian province, New York, or Michigan, it'll be recorded on your driving record as if it happened in Ontario. They're treated just like any other conviction but are marked on the license as an "Out of Province Conviction." This happens because of reciprocal agreements between Ontario and other places.

In summary, understanding demerit points in Ontario is vital for maintaining a clean driving record and avoiding penalties. By understanding how points pile up and staying on top of your driving record, you can take proactive steps to prevent points from accruing. So, stay informed, and hit the road with confidence!