Driving Without Insurance
Minimum $5,000 fine on first offence — one of the costliest provincial charges in Ontario.
The Basics
What is driving without insurance?
Under the Compulsory Automobile Insurance Act, operating an uninsured vehicle carries mandatory minimum fines that most drivers cannot afford. Even a lapsed policy or wrong vehicle listing can trigger the charge.
Consequences
What you're facing
- 1Minimum $5,000 fine + 25% victim surcharge on a first offence
- 2Up to $50,000 for repeat offences
- 3Possible licence suspension up to 1 year
- 4Vehicle impoundment
- 5Extreme difficulty obtaining insurance afterward
Our Approach
How we can help
We build a due-diligence defence, present policy documentation and payment records, and apply to the court for a reduction below the statutory minimum where the circumstances support it.
- We appear in court for you
- Full disclosure review
- Prosecutor negotiations
- Flat-fee, no surprises
Common questions
Driving Without Insurance FAQs
Straight answers about traffic tickets, court process, and how we work.
Got a ticket? Don't just pay it.
Paying results in a permanent record, demerit points, and insurance rate hikes. Speak to us first — the consultation is 100% free and there's no obligation.