Driving Without Insurance

If you, your friend or relative is driving without insurance and eventually got caught by a police officer – most likely, summons to court are inevitable.

Is this a criminal charge though? – The answer is NO. Albeit, the penalties for driving without insurance in Ontario are very high.

All insurance requirements in Ontario are stated in the Compulsory Automobile Insurance Act (CAIA). According to it, no driver cannot operate a car on a highway unless the vehicle is insured under a contract of car insurance.

Every driver should always have in their car:

  • a car insurance card; or
  • an insurance card evidencing that the driver is insured under a contract of auto insurance.

The abovementioned shall be surrendered upon the demand of a police officer as proof of insurance.


Fines for Driving Without Insurance in Ontario

  • first offence: a fine of not less than $5,000 and not more than $25,000. But it may also end up $5,000 plus 25% victim surcharge cost +  $5 court cost = $6,255.00 for the first conviction.
  • subsequent conviction: a fine of not less than $10,000 and not more than $50,000.
  • driver’s license suspension for up to one year.
  • motor vehicle impoundment for up to three months.

Driving without insurance is regarded as one of the “most famous” violations for any driver all over Canada. If convicted you won’t get any demerit points on your driving record, but insurance companies can utilize it and increase your insurance premiums at least by 50% for the nearest 6 years.

Moreover, there is a chance that insurance can deny to insure you. Because you are considered a “high-risk” driver.

Having a prior record of driving without insurance may seriously affect your ability to get government jobs, such as police, military, etc.

If you rely on a daily commute to work, having this record will negatively impact your driving ability and result in much money spent during the next 6 years.

Also, failing to pay your fine for driving without insurance Ontario will get your driver’s licence suspended automatically.

Remember: If you end up being convicted for driving without insurance in Ontario, unfortunately, it’ll stay on your record for life. Basically, that means that in case of subsequent offences you’ll face higher fines and penalties can be much more serious.

Driving uninsured remains with you after 3 years as well.


You’ve been charged with driving without insurance while not driving your motor vehicle?

Sometimes it happens. If you’re the owner of the car, make sure that the vehicle is insured and has valid insurance.

Otherwise, it doesn’t matter who was behind the wheel – your friend, your father or mother or somebody else. You will be charged even if you were not driving your car.


Fail to Surrender Insurance Card

If the owner of the vehicle can’t provide proof of auto insurance, police officer can charge the driver with:

  • fail to surrender insurance card;
  • driving vehicle without insurance.

If the driver just had forgotten the insurance card at home, they can easily attend court, show the evidence and usually, the charge will be withdrawn.

Sometimes people pay their fail to surrender insurance card tickets, even if they really forgot it. This is a big mistake! Because paying a ticket equals pleading guilty. A conviction will stay on the driving record for 3 years and may influence insurance rates significantly.


What To Do If You’ve Got Caught While Driving Without Insurance in Ontario?

  • The first thing you should do is to stop driving and try to get your motor vehicle insured as soon as possible. Because nearly every police officer has a camera that scans and identifies numberplates registered to owners whose vehicles are not insured.
  • If you still have to drive without insurance, you are taking on a serious risk that in case of an accident you will be sued personally for any physical or material damage. Having insurance on your motor vehicle in Ontario is essential because you would be protected for a minimum of $1,000,000 in case someone gets injured and is not able to sustain the same quality of life as they did prior to an incident.
  • Before going to court, you are advised to prepare proof that your motor vehicle insurance has been restored. This may help to resolve your case to a reduced fine.  

There are incidents when drivers are not aware they have been operating a vehicle without insurance because it is not their vehicle (their parents’, friends’ or even rented car) or because their insurance was cancelled for non-payment due to a mistake in the bank’s processes.

Since it is a strict liability offence, at trial, you will have a chance to negotiate and provide a reasonable motive why you were forced to driving an uninsured vehicle through no fault of your own, at which point it could render your offence to be innocent. 

However, most of the time this is not the case. Most drivers charged with driving without insurance, knowingly choose to drive.

Hence, we recommend getting legal advice from a knowledgeable paralegal or lawyer that will be able to find any deficiencies with the police officer’s evidence to dismiss the charge or increase your negotiating power to reduce your penalty or dismiss all charges against you.


How to Fight Driving Without Insurance in Ontario?

Basically, there are only 2 options how to fight your driving without insurance ticket:

  1. Hire a traffic ticket lawyer or paralegal.
  2. Try to fight your ticket by yourself.

Resorting to professional help as soon as possible helps dramatically improve your chances of getting a victory in court and avoiding huge penalties for driving uninsured.


But if you don’t want legal representation and rely on yourself in fighting no insurance ticket in Ontario, you need to be ready to go through the complicated process alone. Here it is:

  • Be ready to prove to the prosecutor that you have already renewed your automobile insurance coverage to negotiate a plea.
  • Bring all the documents relevant to your case. If everything is okay with your documents and insurance coverage has been reinstated, it will take 1 to 3 court visits to settle down your case. 
  • Trial preparation. Before you go to court, you have to prepare questions to the policeman and other witnesses about any reasonable facts regarding your case that might help to improve the overall situation.
  • At the court date, a police officer will be invited as the main bystander who carried out the investigation.


It’s worth repeating, that the entire process of fighting driving without insurance ticket is rather time-consuming on its own. Also, it requires relevant knowledge and experience to obtain the desired positive results in court. That’s why it’s generally recommended to work with a professional lawyer hand by hand. Otherwise, the eventual outcome can be really frustrating.

X-COPS is always here to help you. Don’t hesitate to contact us if you got caught driving without insurance and you want your case to be resolved by real professionals as soon as possible!

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    FAQ

    Here we've prepared a short list of frequently asked questions in order to provide quick answers to anyone who's looking for information associated with the topic. If you need more clarification, please don't hesitate to contact us for a free consultation.

    👉Do I really need to fight a driving without insurance traffic ticket?

    If you don't fight you'll pay a fine of $6,255.00 (for the 1st conviction) + insurance companies can utilize your conviction and increase your premiums at least by 50% for the nearest 6 years. Failing to pay your fine will get your driver’s licence suspended automatically. Also conviction will stay on your driving record forever. We think that these are quite strong reasons to fight your ticket for driving without insurance.

    👉What is the fine for driving without insurance in Ontario?

    Fine may vary depending on a conviction: 1st conviction – not less than $5,000 and not more than $25,000 + 25% victim surcharge cost + $5 court cost = $6,255.00 for the first time. Subsequent conviction – not less than $10,000 and not more than $50,000. Additionally, a driver’s licence can be suspended for up to 1 year.

    👉How long does driving without insurance stay on your record in Ontario?

    If you end up being convicted for driving without insurance, unfortunately, it’ll stay on your record for life. Basically, that means that in case of subsequent offences you’ll face higher fines and more serious punishment. Driving uninsured remains with you after 3 years as well.

    👉Do you really intend to go in court and actually fight my driving without insurance ticket instead of pleading guilty?

    Yes, we really go to court on your behalf and fight for you to get your case dismissed or penalties reduced. We prepare an individual defence strategy to dramatically improve your chances of getting a victory in court.

    👉What if I can't be present in court during hearings associated with my case?

    If you have hired traffic lawyer on your side you don't need to attend court at all. If not - showing up at court is essential. Since it is a strict liability offence, at trial, you will have a chance to negotiate and provide reasonable motive why you were forced to driving an uninsured vehicle through no fault of your own, at which point it could render your offence to be innocent.

    Don’t just pay the fine or go to court alone

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