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QuestionInsurance Question  I got a speeding ticket in Ontario, Canada for doing 133km/h in a 100km/h limit. I am from Maryland (MD). Is there an agreement between Maryland and Ontario and will it affect my insurance? Is there any equivalent points in MD?

AnswerAuto Insurance Answer

Ontario, Canada has reciprocal agreements with many states but these agreements may not include sharing traffic tickets for all motorists. Some agreements may only be for commercial drivers, etc.

The Ontario Ministry of Transportation notes that drivers convicted of a driving related offence in the State of New York, the State of Michigan or any Canadian province or territory, will have home jurisdictional penalties such as demerit points and/or suspensions applied to their Ontario driver record as if the offence occurred in Ontario. So the MTO does not specifically mention Maryland as a state that shares ticketing information with them.

The Maryland Motor Vehicle Administration (MVA) driver's handbook states that convictions reported from member states (of the Drivers License Compact, which Ontario is not a part of) are treated in the same manner as if the offenses occurred in Maryland.

The handbook also goes on to say that drivers who are convicted of traffic law violations when driving in another jurisdiction do not escape corrective action taken by this state. Convictions for moving violations received from other jurisdictions are recorded on the Maryland driving record.

The MVA site notes that if you are convicted of a vehicle-related offense in a jurisdiction outside of Maryland, the MVA may assess points. The jurisdictions that the MVA is referring to on their site or in the handbook are not specifically listed.

So to find out for certain if a traffic ticket in Ontario will be shared with the MD MVA and placed on your driving record and assigned points you should contact the MVA directly and get specifics about their agreements with other jurisdictions in the US and in Canada.

Going 133 km/h when the posted limit is 100 km/h is roughly equivalent to going 20 mph over the speed limit. Speeding in Maryland is worth usually between 2 and 5 points when points are assigned to speeding violations.

If the Ontario speeding citation (and subsequent conviction) is placed on your Maryland driving record then your insurance company would see it the next time they pulled your MVR. Then it would depend upon your insurance provider’s rating system if this traffic violation would affect your rates. You can get information on your insurance company’s rating system from your agent.

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