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Want to know how to check how many demerit points you have in Toronto? This 2025 guide shows the best ways to check online, by mail, or in person.
Keeping track of your driving record is more than just a good habit—it’s essential for protecting your license and keeping your insurance rates low. In Ontario, demerit points are assigned for traffic violations, and if you accumulate too many, it could lead to license suspensions and more. So, learning how to check how many demerit points you have in Toronto is crucial for every responsible driver.
This easy-to-follow 2025 guide breaks down what demerit points are, why they matter, and exactly how to check yours today.
What Are Demerit Points in Ontario?
Demerit points are penalties recorded on your driver’s record when you’re convicted of a traffic offence under Ontario’s Highway Traffic Act.
Purpose of the Demerit Point System
The system encourages safe driving by tracking offenses. It serves as both a warning system and a disciplinary tool for repeat offenders.
Who Issues Demerit Points in Toronto?
While local police and photo radar enforce the rules, the Ministry of Transportation Ontario (MTO) is the authority that assigns and tracks demerit points on your record.
Why You Should Regularly Check Your Demerit Points
Knowing your current demerit point status helps you:
Avoid surprise license suspensions
Anticipate higher insurance premiums
Correct errors before they become costly
Demerit Point Thresholds and Consequences
| Driver Type | Warning Action | License Suspension |
|---|---|---|
| Full G License | 6–8 points: Warning letter | 15+ points: Suspended |
| G1/G2 Drivers | 4–5 points: Warning | 9+ points: Suspended |
Impact on Insurance and Driving Record
Insurers consider your demerit points a sign of risk. Higher points often mean higher premiums or denial of policy renewals.
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How to Check How Many Demerit Points You Have in Toronto
There are three main methods to check your demerit point total. All methods involve requesting access to your driving record.
Option 1 – Online Through ServiceOntario
Steps:
Visit ServiceOntario’s website.
Choose “3-Year Driver Record” (this shows demerit points).
Enter your driver’s license number, birthdate, and personal details.
Pay the fee (usually $12).
Download your record instantly or receive it by email.
Option 2 – In Person at ServiceOntario Centres
If you prefer offline options:
Visit any ServiceOntario location.
Bring your valid Ontario driver’s license.
Request a “3-Year Driver Record.”
Pay the fee ($12).
Receive a printed copy on the spot or within a few days.
Option 3 – By Mail Request
Download and complete the “Request for Driver Record” form from the Ontario website.
Mail it to the address listed with your cheque or money order.
Wait 2–4 weeks to receive your record by mail.
Understanding Driver Abstracts
3-Year Driver Record = Best for checking demerit points
Driver’s License Check = General status only (no demerit info)
How Much Does It Cost to Check Demerit Points?
| Method | Cost | Delivery Time |
|---|---|---|
| Online | $12 | Instant |
| In Person | $12 | Same day |
| $12 | 2–4 weeks |
There are no free options unless your employer or insurer covers the cost.
How Often Should You Check Your Demerit Points?
Recommended times to check:
After receiving any ticket or traffic conviction
Every 6 months as a precaution
Before renewing your auto insurance
Before applying for a driving-related job
What If You See an Error in Your Demerit Points?
Mistakes on your driver record can happen. If you find an error:
Contact ServiceOntario immediately.
Request a review or correction.
If necessary, consult a paralegal to help dispute inaccuracies in court.
Tips to Maintain a Clean Driving Record
Avoid distractions like texting or eating while driving
Always follow speed limits, especially in school zones
Take a defensive driving course (some may remove points)
Stay informed about traffic laws and rule changes
Frequently Asked Questions (FAQs)
Q1: How long do demerit points stay on my record?
A: For 2 years from the date of the offence.
Q2: Can I check my demerit points for free?
A: No, a $12 fee applies to all official methods.
Q3: Will parking tickets affect my demerit points?
A: No, parking violations do not add points.
Q4: Do photo radar tickets add demerit points?
A: No, because they don’t identify the driver.
Q5: What happens if I reach 15 demerit points?
A: Your license will be automatically suspended.
Q6: Can my insurance company see my demerit points?
A: Yes. They often request your driver record when calculating premiums.
Now that you know exactly how to check how many demerit points you have in Toronto, there’s no excuse not to stay on top of your driving record. Whether online, in-person, or by mail, checking your points is quick, affordable, and smart. Stay safe, drive responsibly, and keep your record clean!
