Distractions are everywhere when you’re behind the wheel—whether it’s a buzzing smartphone, your GPS rerouting, or grabbing a bite on the go. While it may seem harmless to glance at a text or take a quick sip of coffee, even a momentary lapse in focus can have serious consequences. In Ontario, distracted driving is not only dangerous—it can lead to steep fines, demerit points, license suspensions, and increased insurance premiums. If you’re wondering what fines or consequences you could face for distracted driving in Ontario, read on. Here is a comprehensive breakdown of what to expect under current provincial laws regarding penalties for distracted driving in Ontario.
What Counts as Distracted Driving?
Under Ontario’s Highway Traffic Act, distracted driving includes any action that interferes with your ability to focus on driving. This includes:
- Using a handheld mobile phone
- Texting or dialling
- Adjusting a GPS or infotainment system
- Eating or drinking
- Reaching for items inside the vehicle
While the full scope of distracted driving encompasses many scenarios, this article focuses solely on the penalties associated with it.
Fines and Penalties for Distracted Driving in Ontario
As of 2025, distracted driving offences in Ontario carry strict and escalating penalties, especially for repeat offenders. Here’s what you need to know:
First Distracted Driving Offence
- Fine: $615 to $1,000
- Demerit Points: Three
- License Suspension: Three days
- Additional Costs: Possible court fees if the ticket is contested
Second Distracted Driving Offence (within five years)
- Fine: $615 to $2,000 (if convicted in court)
- Demerit Points: Six
- License Suspension: Seven days
- Insurance Impact: Premiums likely to increase significantly due to high-risk designation
Third and Subsequent DD Offences (within five years)
- Fine: $615 to $3,000 (if convicted in court)
- Demerit Points: Six
- License Suspension: 30 days
- Driver Record: Long-term consequences that can impact employment, car rentals, and insurance eligibility
Note: Fines may vary slightly based on location and court decisions, and penalties can be higher if you endanger others or cause an accident.
Additional Penalties for G1, G2, M1, and M2 Drivers
If you’re a novice driver in Ontario—holding a G1, G2, M1, or M2 license—penalties are even more severe:
- Immediate 30-day license suspension for a first offence
- 90-day suspension for a second offence
- License cancellation for a third offence
What If Distracted Driving Causes an Accident?
If distracted driving leads to a collision, you may also be charged with:
- Careless Driving (under the HTA)
- Dangerous Driving (a Criminal Code offence)
These charges come with even harsher consequences, including:
- Fines up to $50,000
- License suspension of up to five years
- Jail time for criminal charges
- Civil liability for injury, death, or damages
Insurance Consequences of Distracted Driving
Distracted driving doesn’t just cost you at the roadside—it hits your wallet again when it comes to car insurance. Most insurance providers in Ontario classify distracted driving as a major conviction, which can lead to:
- Premium increases of 15%–40% or more
- Loss of clean driving discounts
- High-risk driver classification
- Policy cancellation or non-renewal by some insurers
Your record can be affected for at least three years, depending on your insurance provider. Follow our tips to avoid distracted driving when behind the wheel!
Talk to an isure Broker About Your Driving Record
Have a distracted driving ticket on your record? Worried about how it affects your coverage or premiums?
At isure insurance, our team of expert, unbiased brokers can help you navigate the impact of traffic offences on your auto insurance. We work with Ontario drivers across Toronto, Mississauga, Ottawa, and beyond to find the most competitive rates—even if you’ve had past infractions.
Call us today or request a free quote to see how we can help protect your driving future.
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