Skip to main content
Author photo

Written by Kayla Jane Barrie Updated on Feb 25, 2025 2 mins read

Blog Do Parking Tickets Affect Insurance?

Parking tickets cost Ontario drivers, but what about insurance?

No one wants to see a parking ticket flapping in the wind under a windshield wiper as they approach their vehicle.

If you've received a parking ticket, the first thing that comes to your mind is how much it will cost. Whether you parked in a no-parking zone, your meter expired, or were ticketed for other reasons, it's natural to wonder about the financial implications. You might also be concerned about how the ticket will affect your driving record, licensing, and insurance.

Here, we will answer all the important questions about whether parking tickets affect your insurance rates. We’ll also answer other common questions about parking tickets.

Will a parking ticket increase my insurance?

Parking tickets DO NOT affect insurance. They do not impact your ability to have the most affordable car insurance quotes. Your rates will not increase no matter how many parking tickets you receive. They are not considered a moving violation and are not the same as other tickets, such as speeding tickets or stunt driving.

Can parking tickets impact my driving in other ways?

While tardy or missed payments might not directly affect your car insurance in Ontario, other repercussions exist. Neglected fines, if not addressed promptly, can hinder your ability to renew your driver’s license upon its expiration.

In Ontario, if you have outstanding tickets and associated penalties, the renewal of your license plate sticker may be denied. In addition, if you receive parking tickets in certain jurisdictions, your vehicle could be towed and impounded until all the fines, penalties, towing, and impoundment expenses are cleared. Although parking tickets do not affect your rates, they can be burdensome and financially taxing.

Do parking tickets go on your driving record?

No parking tickets do not have any impact on your driving record. They will not go on your record because they are not considered to be moving violations.

Are there any demerit points for parking tickets?

No. Since there is no impact on your driving record, there are no demerit points in Ontario for parking tickets.

Cheaper insurance is only a click away!

Our brokers can help you compare premiums from Canada's top insurers. Find customized coverage at an affordable rate.

Black car parked on street in front of a house

Keep your driving expenses low by avoiding parking tickets

Although receiving a parking ticket can be frustrating, it should not be ignored. It is best to pay the ticket immediately to avoid any further inconvenience. Fortunately, parking tickets do not have an impact on your insurance rates. However, how you handle the tickets can affect you in other ways.

Share

Kayla Jane Barrie

Digital Content Writer

Kayla-Jane has been a content writer with ThinkInsure since 2020. She creates insurance content for auto, home, and commercial. Kayla-Jane has a diploma in Journalism.

Categories Auto
Tags Auto Coverage

Insurance Blog And News

Read our insurance blog to get helpful tips, information and news.

man calling insurance company after an accident
2025-08-14

No-Fault Insurance And How It Works In Ontario

Are you confused about the meaning of no-fault insurance? In this blog, we’ll explain how it works and answer common questions drivers ask.

pink vintage car parked on road
2025-08-13

OPCF 19/19A Explained

OPCF 19/19A have differences, but they can both add an additional layer of protection to help you pay out an auto-related loss. Learn more about this Ontario policy modification and how to add it to your coverage.

woman wearing a green vest, reviewing insurance OPCF documents
2025-08-05

OPCF 23A/23B

Learn more about the meaning, definition, and explanations of OPCF 23A and OPCF 23B.

Mother and daughter sitting in white SUV surronded by autumn forest and dirt road
2025-07-29

OPCF 44R Family Protection Coverage Explained

Add the OPCF 44 Family Protection endorsement to protect your family and yourself from being in an accident with an underinsured driver.