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Written by Kayla Jane Barrie Updated on Aug 27, 2025 3 mins read

Blog School Zone Speed Limits And Fines

Speeding in a school zone can impact your insurance

School zones are important areas where the safety of children is of the utmost importance; that’s why there are school zone signs and safe driving tips. In Ontario, these zones have specific rules and regulations designed to protect young pedestrians and ensure a secure environment for everyone. Every driver must understand the laws, fines, and safety tips associated with school zones. This blog explains the penalties for driving over the speed limit in a school zone and how much they can be.

Three main takeaways about school zone speed limits and fines

  • You can face fines upwards of $90 to $600 and demerit points for speeding in a school zone.
  • The speed limit in school zones is 30 to 40 km/h on weekdays from September to June, from 8 a.m. to 5 p.m., unless posted otherwise.
  • School zone traffic violations are viewed as more severe than similar offences and can significantly impact your Ontario car insurance.

What are the fines for driving violations in school zones?

Fines are up to 60% higher in a school zone and can be doubled, such as in a community safety zone. How much over the speed limit you were going will determine if you face other penalties or charges. At 20km/h over, you could accumulate demerit points.

Drive safe and save more on insurance

By slowing down in school zones, you help keep kids safe. Safe driving also means you pay less for your insurance every month. Drive slow and keep your rates low!

Red car driving on country road

How much are school zone speed limit fines?

The cost of a speeding ticket in a school zone depends on how fast you are caught driving.

  • 10 km/h over the posted limit: $95.00.
  • 20 km/h over the posted limit: $180.00, three demerit points.
  • 30 km/h over the posted limit: $450.00, four demerit points.
  • 40 km/h over the posted limit: $595.00, four demerit points.

Fines can increase if you are a repeat offender, and you can also face other charges, such as careless driving.

What is the speed limit in school zones in Ontario?

The speed limit in school zones is between 30 to 40 km/h. This limit is enforced on weekdays from September to June, from 8 a.m. to 5 p.m. However, driving carefully in school zones is important, as kids may be present after school hours and on weekends. Always slow down and exercise extra caution.

Reduced speed limits are in effect during certain hours of the day to ensure the safety of children going to and coming from school. It's important to note that even outside of these designated times, and during summer months like July and August, drivers should still be vigilant for the presence of children and others in these areas. This will help ensure the safety of everyone on the roads.

school bus loading kids

Are school zones in effect during summer?

School zone speed limits are enforced from 8 a.m. to 5 p.m. on weekdays from September to June unless a different schedule is posted. In Ontario, school zones are typically active during the school year, from September to June. The specific hours drivers should be cautious and obey reduced speed limits in these areas are usually the same as school hours.

How do school zone tickets affect insurance?

School zone traffic tickets can increase your car insurance rates. How much it will increase depends on the severity of the infraction. One ticket could affect your premiums for three years or more, depending on the fine and how long it will stay on your driver’s abstract.

Speeding or other traffic offences committed in a school zone are often considered more severe than similar violations in other areas.

Such violations pose a higher risk to children, which can lead insurers to categorize you as a high-risk driver, leading to higher costs.

For drivers in Ontario, where car insurance rates are already a significant consideration, receiving one or more driving violations in a school zone could substantially increase your monthly costs.

Can I fight a ticket for speeding in a school zone?

If you receive a traffic ticket in a school zone, you must comply with the options provided on the back of the ticket. You can either go to the courthouse to pay the fine or request a court date to contest the violation.

Slow down in school zones to keep everyone safe

Driving safely at all times is crucial, particularly near schools. Please slow down, stay alert, and be extra cautious when driving. Stop for school buses, and follow all school zone signs.

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Kayla Jane Barrie

Digital Content Writer

Kayla-Jane has been a content writer with ThinkInsure since 2020. She creates insurance content for auto, home, and commercial. Kayla-Jane has a diploma in Journalism.

Categories Auto
Tags Driving Tips

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