Distracted Driving Fine Calculator

Ontario's distracted driving fine is $1,000 for a first offence, $2,000 for a second, and $3,000 for a third or subsequent offence. All carry 3 demerit points. A second conviction also triggers a 7-day licence suspension; a third results in a 30-day suspension. A 25% victim fine surcharge is added to all fines.

No. In all Canadian provinces, using a hand-held device while stopped at a red light or in stopped traffic still constitutes distracted driving. The vehicle must be lawfully parked (not merely stopped in traffic) for phone use to be exempt. Being stationary at a light does not exempt you from the offence.

Yes, significantly. A distracted driving conviction typically raises insurance premiums by 20–40% in most provinces. In Ontario, a first conviction adds 3 demerit points and is treated similarly to a minor conviction by most insurers. Repeat convictions can result in non-renewal or placement in the high-risk market.