Even one ticket, regardless of the traffic violation, can affect your insurance rates. Although some companies will allow you to keep a clean driving record with multiple convictions, you may lose your conviction-free discount after the first offence. Your rates can go up with each ticket.

Since speeding increases your chances of being involved in an accident, making you a high-risk driver, your insurance rates could reach thousands of dollars per year. Regardless of whether you lost demerit points, any driving offence can increase your insurance rates, including not wearing your seatbelt or not having your insurance card with you.