Jun 1, 2022
Speeding ticket fines in Ontario will increase your insurance
Even though 27% of traffic fatalities on Canadian roads directly result from speeding, many still risk the tickets and fines.
The danger of serious injury or a fatality is 11 times higher in collisions at 50km/hr or more than when drivers are moving at, or below, the posted speed limit. Speeding increases your braking distance and reduces your field of vision, making it harder to react to changing driving conditions.
The next question is what type of speeding ticket you will get and how much will it impact your car insurance.
What are the speeding fines in Ontario?
Fines vary based on the kilometres per hour you have exceeded the speed limit. The set fine amount gradually increases as you reach an additional threshold.
The Highway Traffic Act Schedule 43 outlines the fine amounts for speeding :
- Less than 20 km/h : $3.00 per km/h
- 20 to less than 30 km/h : $4.50 per km/h
- 30 to less than 50 km/h : $7.00 km/h
- 50 km/h or more :$9.75 and must be settled in court
Fines could also be increased for :
Does a speeding ticket affect insurance in Ontario?
Yes, a speeding ticket can affect your Ontario car insurance. The degree to which it will impacts you will depend on the severity and the effect is not always immediate. It’s important to understand which tickets will affect it and those that will not – there is a difference between getting a ticket for over 15 km/h and 50 km/h over.
It will only affect 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, insurers become aware of a speeding ticket when it is time for your car insurance renewal, because the Ministry of Transportation can be contacted.
How much does a speeding ticket increase insurance?
It depends on your insurer and the fine. Depending on your insurer's rules, how much a speeding ticket will increase your costs will vary. You may only see a slight increase or no increase for minor tickets. If you receive a major speeding ticket, such as stunt driving, or have multiple tickets, you can expect your car insurance rates to increase drastically.
Can speeding tickets impact the type of insurance I need?
Speeding tickets could not only affect your monthly costs, but they can also have an influence on the type of coverage you need.
While a minor speeding ticket won’t have much impact, getting two or three minor speeding tickets in a short time or getting one major speeding ticket for 50 km/h or over could put your policy in jeopardy. It’s not just the fine and demerit points you have to worry about if you get caught.
Too many speeding tickets or one major conviction 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 the number of convictions they will accept.
Types of speeding tickets in Ontario
In general, there are three different types that a police officer can issue:
- Ticket with a fine on it (part one provincial offences notice) : This is the most common type. The ticket has the fine and associated points on it. You must appear in court if you want to dispute the ticket.
- Summons to appear in court (part one provincial offence summons) : This is not a common. The ticket has a court date, and the driver must appear in court. The maximum fine is $500. The judge may suspend the driver's license for up to one month for excessive speeds of over 50 km/h.
- Summons to appear in court (part three provincial offence summons) : This is generally for speeds over 50km/h such as stunt driving or infractions in Community Safe Zones. It 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 your license for up to one month.
How many years do speeding tickets stay on your record?
Any traffic conviction, including speeding, will remain on your MTO driver’s abstract for three years from the conviction date. To see if a ticket is still on your record, you can order a driver’s record from ServiceOntario.
How to pay a speeding ticket online
One of the options to pay a speeding ticket in Ontario is to pay online. Here's what to do :
- Visit the Provincial Offences Act online services website
- Get the location code and offence number printed on your ticket
- If you have been issued a summons, you will need your case number, which includes the offence number to use the online system. You can contact the municipal court office to obtain this
- Follow the prompts and payment form
If you do not respond to the ticket within 15 days, you will be convicted of the offence you are charged with
How do I fight a speeding ticket?
When you receive a speeding ticket, you will have the option to pay it, plead guilty with an explanation, meet with the prosecutor, or dispute it. You will have to contact the court and potentially find a lawyer. Depending on the severity of the case, it will cost between $300 - and $500 to fight a ticket in the province.
Ontario speeding ticket FAQs
If you have no other traffic convictions, a single minor speeding ticket should not increase your car insurance much. If you have more than one conviction or get a major speeding ticket, you can expect your rates to increase.
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.
You can get demerit points for speeding. Depending how much you are going over, you can receive between three and six points.
If your ticket was issued in Ontario, you can go to any courthouse in the providence with your drivers license and they will be able to inform you of all the outstanding fines.
It can - many states and Canadian provinces have reciprocal agreements whereby they exchange information regarding traffic tickets. Ontario has reciprocal agreements with all Canadian provinces and territories as well as the states of New York and Michigan.
Practice safe driving and keep your rates low
If you’re concerned about increasing your insurance costs, consider how you are driving. Defensive driving can help keep you and others protected on the road. Choosing to ignore speed limits risks the safety of all Canadian drivers.