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Home / Individuals / Registration and insurance / Registration and insurance rates / Financial penalties / Point values
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Point values for driving incidents

Drivers lose points on the Safety Rating Scale and are assessed a financial penalty for driving incidents.

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Drivers lose points (demerits) on the Safety Rating Scale and are assessed a financial penalty for driving incidents that move them into (or further into) the Penalty Zone.

Each driving incident is assigned a points value. The value depends on how much that behaviour contributes to collisions, based on traffic safety statistics. Failure to use a seatbelt is also included, due to the increased chance of injury.

The table below outlines the points value of specific driving incidents.

Drivers lose 3 points (demerits) for the following incidents:
  • driver fail to wear seatbelt
  • exceed speed limit in school zone
  • drive while passenger unrestrained
  • turn left across traffic
  • fail to yield or proceed before safe
  • proceed contrary to signage
  • exceed 60 km/h when passing emergency vehicle
  • disobey amber light
  • exceed 60 km/h when passing highway worker, flag person or marked highway equipment
  • fail to yield to driver on the right
  • insufficient signalling
  • fail to yield to pedestrian
  • fail to yield when entering highway
  • fail to yield when leaving lane or alley
  • allow rider on vehicle exterior
  • fail to yield to pedestrian or amber light
  • pass a vehicle stopped for pedestrians
  • fail to yield on green arrow
  • fail to stop for peace officer
  • disobey directions of flag person or peace officer
  • impede traffic
  • drive unsafely on being overtaken
  • radar warning device in commercial vehicle
  • overcrowded steering compartment
  • exceed 60 km/h when passing tow truck
  • turn left or right on red light when prohibited by sign
  • proceed contrary to green arrow
  • proceed the wrong way on a 1-way highway
  • motor vehicle collisions where the driver is deemed to be 50% at fault (where SGI pays $305 or more)

Drivers lose 4 points (demerits) for the following incidents:
  • operate a vehicle while using a cellphone
  • fail to stop at stop sign or proceed before safe
  • 24-hour roadside suspension (experienced driver)
  • without due care or reasonable consideration
  • disobey red light
  • drive while licence suspended or cancelled, or refused issue
  • 30-day roadside suspension (new driver)
  • stunting
  • roadside administrative suspension (experienced and new drivers)
  • disobey flashing light at crosswalk
  • exceed a safe, reasonable speed
  • fail to report collision
  • exceed speed limit by more than 50 km/h
  • disobey traffic control device
  • contest of speed
  • pass to the right
  • fail to stop for railway crossing signal/guard
  • disobey school bus signal
  • disobey flashing red light or proceed before safe
  • drive while on 24-hour suspension
  • false statement
  • drive left of median
  • fail to yield to emergency vehicle
  • fail to stop for level railway crossing (bus/dangerous goods vehicle)
  • drive over median
  • enter or leave controlled access highway unlawfully
  • racing
  • insecure load
  • fail to activate school bus signal

Drivers lose 6 points (demerits) for the following incidents:
  • All at-fault collisions where SGI pays $305 or more
    • At-fault drivers will receive a notice by mail. It will indicate the driver's new position on the Safety Rating Scale and match it with a corresponding financial penalty, if applicable.
    • At-fault drivers can appeal movement on the Safety Rating Scale, but not the determination of responsibility for the collision itself. Drivers wishing to appeal liability for a collision may do so through small claims court.
    • Drivers wishing to appeal their safety rating movement must do so within 90 days of receiving their safety rating change notice.

For the following incidents, drivers will automatically move to -20 on the Safety Rating Scale, regardless of their position on the scale before the incident.
In cases where drivers are already at -20 or less on the scale before the incident, drivers will move an additional -10 points (demerits). They will have to pay the maximum financial penalty of $500, or $2,500 if the incident results in injury or death.
  • over 80 mg blood alcohol level
  • drive while disqualified (provincial offence)
  • impaired driving
  • drive while disqualified (federal offence)
  • fail to comply with demand
  • dangerous driving
  • flight
  • leave scene of collision
  • impaired driving (injury)
  • dangerous driving (injury)
  • impaired driving (death)
  • criminal negligence (injury)
  • dangerous driving (death)
  • criminal negligence (death)
  • vehicular manslaughter
  • criminal negligence
  • flight (injury)
  • flight (death)
  • over 80 mg blood alcohol level (injury)
  • over 80 mg blood alcohol level (death)
  • fail to comply with demand (injury)
  • fail to comply with demand (death)
  • leave scene of collision (injury)
  • leave scene of collision (death)
  • criminal negligence while street racing (injury)
  • criminal negligence while street racing (death)
  • dangerous driving while street racing
  • dangerous driving while street racing (injury)
  • dangerous driving while street racing (death)

Note: In the event of a discrepancy between the above wording and the governing legislation, the legislation will prevail.

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