Penalties
While driving without insurance is not an offence under the Criminal Code of Canada, it is a serious provincial offence.
The penalties for driving with no insurance in Ontario are as follows:
a fine of between $5,000 and $25,000 on a first conviction
a fine of between $10,000 and $50,000 on a 2nd or subsequent conviction
Your licence could be suspended for up-to one year, and your car could be impounded for up-to three months.
Under the Provincial Offences Act (POA), you are also subject to a 25% victim fine surcharge in addition to the fine imposed by the court. This would amount to a $1,250 victim fine surcharge in addition to a $5,000 fine, and a $12,500 victim fine surcharge in addition to a $50,000 fine.
