In Ontario, Canada if you plead guilty to your traffic ticket and receive the 3 points on your license they will stay on your record for 3 years. Your insurance company has access to this record and can use this information to help determine your insurance rates.

Any conviction on your driving record or abstract can affect your insurance in Ontario, even if demerit points are not assigned to the offense. Ontario insurance companies assess your insurance rates depending on what they perceive as their risk of having you as a policyholder.

Items such as traffic violations on your driving history thus can make some insurance companies find you as a higher risk and increase your premiums. To find out how much your insurance will be affected, contact your insurance provider and ask about their rating system for premiums. See if they assign risk points to you when you receive traffic citations and if so ask how that system works.

If your insurance rates are too high, shop around for insurance. You can start here by obtaining a Canadian car insurance quote.