Ontario Automobile Insurance Charges

The Compulsory Automobile Insurance Act covers uninsured vehicles, proof of insurance and false insurance cards. Find the section on your ticket or summons below.

No Insurance or No Proof of Insurance?

These are different allegations. A driver may have valid coverage but fail to carry or surrender the required insurance card. Operating without insurance concerns the absence of required coverage.

Check the Act and section printed on your ticket or summons. The facts, insurance policy and any applicable exemptions matter.

Read the full driving without insurance guide →

Insurance Charges and Statutory References

Charge or statutory reference	Section	Source
Fail to surrender suspended driver’s licence	2(6)	Court Schedule 1
Refuse to surrender suspended driver’s licence	2(6)	Court Schedule 1
Fail to have insurance card	3(1)	Court Schedule 1
Fail to surrender insurance card	3(1)	Court Schedule 1
Fail to disclose particulars of insurance	4(1)	Court Schedule 1
Operate a motor vehicle without insurance	2(1)(a)	Editorial statutory reference
Cause a motor vehicle to be operated without insurance	2(1)(b)	Editorial statutory reference
Permit a motor vehicle to be operated without insurance	2(1)(b)	Editorial statutory reference
Surrender an insurance card purporting to show coverage for an uninsured vehicle	2(3)(b)	Editorial statutory reference
Excluded driver fails to carry evidence of own insurance	3(2)	Editorial statutory reference
Excluded driver fails to surrender insurance card for inspection	3(2)	Editorial statutory reference
Apply for vehicle permit issuance, validation or transfer without insurance	13(1)	Editorial statutory reference
Make a false insurance certification for a vehicle permit	13(11)	Editorial statutory reference
Possess a false or invalid insurance card	13.1(1)(a)	Editorial statutory reference
Use a false or invalid insurance card	13.1(1)(b)	Editorial statutory reference
Sell, give, deliver or distribute a false or invalid insurance card	13.1(1)(c)	Editorial statutory reference
Produce false or invalid evidence of automobile insurance for inspection	13.1(1)(d)	Editorial statutory reference

Statutory Penalties

For an owner or lessee convicted under section 2(3), the statutory fine range is $5,000–$25,000 for a first conviction and $10,000–$50,000 for a subsequent conviction. The court may also suspend the driver’s licence for up to one year and order vehicle impoundment for up to three months under section 2(7).

For false or invalid insurance card offences under section 13.1, the statutory range is $10,000–$50,000 for a first conviction and $20,000–$100,000 for a subsequent conviction.

Section 2(6) has a statutory maximum fine of $200. Sections 3 and 4 have a statutory maximum fine of $400. These statutory amounts are separate from set fines and exclude applicable surcharges and costs.

These are the ranges in the Act. The applicable proceeding and any statutory relief require assessment. They are not a prediction of an individual sentence.

Official Sources and Coverage

Checked October 28, 2026 against the current Compulsory Automobile Insurance Act ↗ and Ontario Court of Justice Schedule 1 ↗. The Act page states a consolidation period beginning December 8, 2020, with an e-Laws currency date of October 26, 2026.

All five Schedule 1 entries are included. Twelve additional descriptions summarize driver and owner provisions; they are editorial descriptions, not official court short-form wording. Cause and permit are separate descriptions of the same paragraph, as are the two section 3(2) duties.

This addition does not catalogue insurer, agent, Facility Association or regulatory compliance offences. Exemptions and individual application require review. Database coverage and limitations →