Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

How long do tickets and accidents affect my insurance?

Auto Insurance

By Joanne Lemna | June 27, 2017

The red flashing lights the siren the fear in the pit of your stomach— you’re being pulled over and an officer is now issuing you a ticket. This is a moment most of us would rather erase spin back the hands of time and do over. Tickets are not only costly but they also impact your car insurance by potentially raising your premiums. Driving related tickets are not something that you want to be dealing with. Nevertheless it happens. So what can you expect as far as how this ticket will actually affect your car insurance? Every situation is unique and every ticket consequently affects the terms of your insurance differently. Here are a few things to keep in mind after receiving that dreaded ticket.

Moving Violation versus Accident

It goes without saying that speeding tickets are going to have a different effect on your car insurance policy than an accident. Let’s say you’ve been involved in a collision. Most likely some damage has been done to your vehicle and your insurance company may have to pay out to cover the damages done. If the accident is your fault your insurance company will have to pay out to fix the other party’s car and that means your rates will increase come renewal time. The exception is if you qualified for and had accident forgiveness coverage on your policy. In a case where it was not your fault and the other driver’s insurance company pays then your own insurance will probably remain the same.

Now if you are served with a speeding ticket the situation may prove a little different. Speeding ticket triggered increases can depend on the number of tickets received within a given time period the severity of the ticket and even region or venue in which you received a particular ticket. For instance, if this happens to be your third ticket within 3 months it’s pretty safe to assume you will notice an insurance rate hike. If it’s your first violation the increase may not be quite as significant or your insurance may not be impacted at all. The important thing here is to discuss the details with your insurance broker and get a clear picture of how your rates will be affected and subsequently what you can do to remedy the situation.

More Severe Offences

So what about more serious driving offences along the lines of driving under the influence and reckless driving? Hopefully, such violations are not issues with which you have to contend; however, if you do find yourself facing one of these charges you may discover that your insurance rates increase quite substantially – that’s if your insurer opts to keep you insured. Too many offences and even one serious offence and you just may find yourself without a policy — in which case you may have to explore alternative high-risk car insurance options.

What can you do after getting a ticket to better your rates?

There are a few discount programs available that may help you to offset the added expense that a ticket has cost you in terms of your car insurance plan. You can attend defensive driving or safe driver courses. Generally, these will give you something of a break from the ticket increases though again each situation is unique and therefore you should discuss any such plan with your insurance broker first. You might also opt to contest the ticket in court. Getting the charges reduced can help as far as the amount of any rate increase you might see. Some companies now have telematics systems that may allow for a discount too.

How long will this offence affect my insurance premiums?

The length of time your insurance premiums will be affected by an offence will depend on the type of violation. Minor traffic violations (such as speeding tickets up to 10km over the limit) will impact your rates for 3 years whereas major violations can affect your premiums for up to 6 years.

The increase in your car insurance the length of time a given ticket will affect that insurance and the overall outlook for your future with the insurance company in light of any such violation should be discussed with an insurance broker who has the knowledge and experience to answer your specific questions in greater detail.

How long will accidents affect my insurance premiums?

If you are not at fault your accident should not affect your insurance premiums.

However, if you are at fault your insurance premiums will be affected. This can be compounded if you also received a ticket for causing the accident. For example, you get a ticket for an improper left turn that caused you to hit another vehicle in the intersection.

Generally, an accident will directly affect your car insurance rates for 6 years. They may indirectly impact them for even longer especially if it comes to your driver rating and claims-free discounts.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...


Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.