Blog How Does A Speeding Ticket In Ontario Affect Insurance?

Jan 29, 2021

Everything You Need To About Speeding Tickets And Insurance

A lot people drive above the speed limit, especially when driving on the highway. That is, until we see a police car up ahead or are driving in an area where we know police set up speed traps.

If you’ve ever been pulled over for speeding, we’re sure that you’ll agree there is nothing worse than getting that feeling in your stomach when you zoom past a cop or see a police car in your rear view and then see those lights start flashing. You know you were speeding and you got caught.

The next question is what type of speeding ticket will you get and how much will it impact your insurance.

Police car on side of road with white car

Does A Speeding Ticket Affect Insurance In Ontario?

Yes, a speeding ticket can affect your automobile insurance in Ontario. The degree to which it will impact your rates and coverage options will depend on the severity of the ticket. There is a big difference between getting a ticket for over 15 and 50 over the limit.

It is also important to know that a speeding ticket will only affect your insurance if your provider finds out about it. In most cases, they will not find out about your speeding ticket until you pay it or are convicted in court – when it’s added to your drivers abstract.

Often, insurance companies become aware of a speeding ticket when it comes time to renew your policy. It’s common for insurers to contact the Ministry of Transportation and check a driver’s abstract during the renewal process. The other way they can find out about your speeding ticket is if you tell them about it.

How Much Does A Speeding Ticket Increase Car Insurance?

Does a speeding ticket raise insurance? Not necessarily. Some insurers will not increase your premiums for one ticket – usually if it is a minor infraction – whereas, other companies will increase your rates.

How much a speeding ticket will increase your costs will vary based on your insurer's rules. For a minor speeding ticket, you may only see a slight increase or no increase at all. If you receive a major speeding ticket or have multiple speeding tickets, you can expect your costs to increase.

Can Speeding Tickets Impact The Type Of Insurance I Need?

The short answer is yes. Speeding tickets could not only impact your monthly costs, they can also have an impact on the type of coverage you may need.

While a single minor speeding ticket won’t have much impact on your current car insurance, getting 2 or 3 minor speeding tickets in a short period of time or getting one major speeding ticket for 50 km/h or over, or getting caught stunt driving could put your premiums and policy at risk.

Too many speeding tickets or one major speeding ticket could get your insurance cancelled and you may require high-risk auto insurance. Whether or not this happens to you will vary based on your provider and their rules about number of tickets they will accept.

It’s not just the fine and demerit points you have to worry about if you get caught. So, check the speed limit and slow down. It is not worth the risk of increased premiums.

How Long Does A Speeding Ticket Stay On Your Record In Ontario?

This is a common question we receive from our customers after they get their first speeding ticket. Any traffic ticket, including speeding tickets, will remain on your MTO driver’s abstract for 3 years from the conviction date.

To see if you a ticket is still on your record, you can order a driver’s record from Service Ontario.

What Are The Different Types Of Speeding Tickets In Ontario?

In general, there are three different types of speeding tickets that will be issued by a police officer :

  1. Ticket With A Fine On It : Part One Provincial Offences Notice - This is the most common types of speeding ticket. The ticket has the fine and associated points on it. You must appear it court if you want to dispute the ticket.
  2. Summons To Appear In Court : Part One Provincial Offence Summons - This is not a common ticket. The ticket has a court date on it and the driver must appear in court. The maximum fines is $500 the judge may suspend the drivers license for up to one month for excessive speeds of over 50 km/h.
  3. Summons To Appear In Court : Part Three Provincial Offence Summons - This ticket is generally for speeds over 50km/h or infractions in Community Safe Zones. The ticket has the court date and the driver must appear in court. The max fine is $12 per km over the speed limit. The judge may suspend the drivers license for up to one month.

How Much Are Ontario Speeding Fines?

Ontario road sign with speeding fines

Fines vary based on the kilometers per hour you have exceeded the speed limit. The set fine amount gradually increases as you reach an additional speed threshold. The Highway Traffic Act Schedule 43, Schedule B outlines the fine amounts for speeding over the max speed limit.

  • 1-19 km/h Over : Fine Is $2.50 per km/h
  • 20-29 km/h Over : Fine Is $3.75 per km/h
  • 30-49 km/h Over : Fine Is $6.00 per km/h
  • 50 km/h Or More Over : Must Go To Court

Fines could also be increased for :

  • Speeding in a school zone or community safety zone
  • Speeding in a construction zone
  • Speeding in a construction zone with workers present
  • Speeding in combination with other traffic violations (causing an accident, DUI, careless driving, stunt driving)

Speeding Ticket Points In Ontario

Points for a speeding ticket vary based on how fast you were driving when you are issued a traffic ticket for it. The points for speeding in Ontario are as follows :

  • 16-29 km/h : 3 points
  • 30-49 km/h : 4 points
  • 50 km/h or more : 6 points
  • 50 km/h or more : 7 points
Road sign for 50km/h fine

Drivers charged with speeding over 50km/h could also receive a 30-day license suspension and be charged under stunt driving laws in Ontario.

Are There Speeding Tickets With No Points?

Yes, there are some minor speeding tickets that have no demerit points. There are no demerit points for speeding tickets 0-15 km/h.

Do Camera And Photo Radar Speeding Tickets Affect Insurance?

If you are going to get caught, getting a speeding ticket from photo radar will have the least impact on your insurance. You will not receive demerit points for the ticket, nor will it appear on your driving record.

The camera or radar does not know who is driving the vehicle, and it does not have the driver’s licensing information. However, the owner of the vehicle, regardless of who is driving, is responsible for paying the fine, which you will receive in the mail if you are caught speeding.

Speeding Tickets And Insurance FAQs

There is a common myth emanating online that if you get a speeding ticket in another province, and you are an Ontario resident, that it will not impact your insurance. This is not true. No matter where you receive a speeding ticket in Canada, it will show up on your driving abstract as an out-of-province (OOP) speeding ticket. You are required to pay the fine, or it will go into collections.

What about if you get a speeding ticket in the United States? While there was a time where getting traffic ticket in the United States would not impact your Canadian driving record, this is no longer the case. Many states and Canadian provinces have reciprocal agreements whereby they exchange information regarding traffic tickets.

If your home province has such an agreement with a state with which it has a reciprocal agreement, they will share your ticket information with your province’s licensing office. This also means that you could receive demerit points, and the ticket could impact your rates.

Ontario has reciprocal agreements with all Canadian provinces and territories as well as the states of New York and Michigan.

Want more information about traffic tickets? Check out our article on How Tickets Affect Insurance In Ontario.

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