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How Certain Types of Tickets Affect Your Auto Insurance Rates in Alberta

Do tickets affect your insurance?

Questions like this are common for many drivers to ask – and it’s an important one.

There are all sorts of reasons people get tickets, and drivers must be held accountable for any laws they break while driving. 

Tickets are the most typical consequence of breaking the law while driving. Often, these tickets can affect insurance rates.

Remember, driving is an earned privilege that also carries the responsibility of safe motor vehicle operation. Alberta’s driver licensing system monitors driving habits to ensure road safety. Driving offences are therefore subject to demerit points. 

Depending on if you have a GDL license or a full license with no restrictions, the Alberta Driver Control Board can suspend your license for having too many demerits. A driver’s license suspension can have far-reaching effects beyond just not having the right to drive.

speeding tickets

Do Tickets Affect Your Insurance? Here’s What You Need to Know

Having your driver’s license suspended will increase your auto insurance premiums.

In today’s blog, we have provided a quick guide to educate you on how the demerit system works and the impact it could have on your car insurance in Edmonton.

Alberta’s Demerits Point System

Getting demerits detracts from your driving record. You receive negative points based on the severity of your driving infraction. Here is a breakdown of penalties for common violations:

  • Failing to remain at the scene of an accident – 7 points
  • Careless driving – 6 points
  • Failing to stop for a school bus – 6 points
  • Racing – 6 points
  • Failing to stop for a peace officer – 5 points
  • Failing to yield the right-of-way to a pedestrian in a crosswalk – 4 points
  • Following too closely – 4 points
  • Distracted driving – 3 points and a fine of $300
  • Driving on the wrong way of a one-way highway – 3 points
  • Failing to stop at a stop sign – 3 points
  • Failing to stop at a red-light intersection – 3 points
  • Improper backing and turns – 2 points
  • Traffic lane violation – 2 points
  • Speeding – 2 to 6 points


The demerit points schedule applicable to Graduated Driver’s Licensing (GDL) is as follows:

  • Curfew, no driving from midnight till 5 a.m. (Class 7 Learner stage only) – 2 points
  • Having more passengers than seat belts – 2 points
  • The supervisor is not fully qualified – 2 points

How Can I Check and Reduce My Demerit Points?

You can check on your demerit points by visiting an Alberta Registry Private Service Center in your area. When you have accumulated a total of 8 or more but less than 15 points, you receive a courtesy notice of point standing in the mail.

If you have accumulated demerit points in the past, always remember how many points you have. An accumulation of 15 or more points (8 for GDL) within two years results in an automatic license suspension for one month. 

A second demerit suspension within a year will result in your license suspension for three months. 

With the third (or more) demerit suspension within two years, you will receive a six-month suspension. You may also need to appear before the Alberta Transportation Safety Board.


When Can My License Be Reinstated?

You can reinstate your license with seven points when a demerit point suspension becomes served.

These points remain on your record for two years. Suppose you complete an approved defensive driving course before accumulating 15 or more points. In that case, you have the opportunity to remove a maximum of three demerit points from your driving record once every two years.

How Demerit Points Affect Your Auto Insurance Rates

Often people misunderstand the relationship between demerits and auto insurance.

The most important thing to remember when it comes to demerit points and car insurance rates is this: the severity of your driving violations and the number of violations impact your insurance premiums, not the number of demerits you have accumulated. 

Insurance companies generally categorize offences as minor, major or serious. All of these can have an impact on your rates.

Examples of major convictions:

  • Failing to obey a school crossing sign
  • Careless driving
  • Speeding 50 km or more over the posted speed limit
  • Distracted Driving


It is best to drive safely and avoid tickets altogether.

Contact Us to Lower Your Auto Insurance Rates in Edmonton

So, can tickets affect your insurance? The answer is yes. 

If you have received a ticket, contact MBS Insurance to find out how you can lower your auto insurance rates in Edmonton. If your premiums have increased as a result of tickets, we might be able to help. We have been providing Edmonton businesses, families, and individuals with insurance coverage for over 50 years. You can count on us for affordable home, auto, life, and business insurance coverage. 

Trust the team at MBS Insurance Brokers Ltd. to help you obtain customized auto insurance in Edmonton and across Alberta at a great price. Our team can provide you with the information you need to choose the right coverage for you. We also offer several auto insurance discounts. To get a look at what an insurance quote could be for you, have a look here. Call 780-436-7880 or contact us online to get affordable auto insurance in Edmonton.

Click here to learn more about car insurance rates in Alberta.