How long does a ticket affect your insurance rates in Ontario?

Answer 1

Generally, rate increases or decreases only take place at the renewal date of your policy. This means you will not see an increase for the points until renewal but also remember your rate will not decrease until the next renewal after your ticket falls off. Many times an insurance company will not check your driving record at every renewal date unless you give them a reason to do so. If you are an adult driver who doesn't have any claims or make changes to your policy, they may not check your record except every few years, so you may never even see the increase.