In 2019, Ontario began enforcing new rules around distracted driving. Bill 174, or Cannabis, Smoke-Free Ontario and Road Safety Statute Law Amendment Act, strengthened existing road safety laws by fining drivers who are caught talking on their phones, texting, dialing or emailing using a hand-held device. The penalties for getting caught are: a $1,000 fine, 3-day licence suspension, 3 demerit points on the first conviction; $2,000 fine, 7-day suspension, 6 demerit points on the second conviction; $3,000 fine, 30-day suspension on the third conviction. We conducted our own analysis and found that an Ontario driver would see a 15% increase in their car insurance premium after their first conviction. A premium of $191 a month would go up to $226. After the second conviction, an Ontario driver would see a 27% increase in their insurance premium. Their insurance would go up from $226 to $308.