Speeding ticket

Speeding ticket and how it affects auto insurance rate in Ontario


Speeding tickets are one of the most common driving tickets issued in Ontario. While speeding is something you should avoid doing, sometimes it happens. The roads are clear and conditions are good, and you give the car a little extra gas. While it may get you to your destination faster, it ultimately increases your risks as a driver – and to others as well. As such, you could find yourself pulling over to the side of the road by a police officer and receive a speeding ticket. Speeding tickets can have a significant effect on your auto insurance and driving record, but few people know just what that impact might be. Today, we’ll be sharing everything you need to know about speeding tickets and your insurance.

Does speeding ticket affect auto insurance rate?

Yes, speeding tickets in Ontario will affect your auto insurance rates. However, the impact is not immediate. When you receive a speeding ticket in Ontario, you get a speeding fine and demerit points. When you pay the ticket, that acknowledges that you accept the infraction. At that point, it gets added to your driving record by the Ontario Ministry of Transportation. When you go to renew your auto insurance, that is generally when your insurer will look at your record and determine whether to increase your rates. With the speeding ticket, they will likely increase your rates. As such, if you are coming up for renewal, you could consider delaying paying the ticket to keep it off of your driving record.

It’s also important to know that there are different types of speeding tickets, broken down by how much faster you were driving. The categories include:

  • 0-15km/h over the posted speed limit.
  • 16-29km/h over the posted speed limit.
  • 30-49km/h over the posted speed limit.
  • 50+ km/h over the posted speed limit.

How long will a speeding ticket affect my auto insurance in Ontario?

A speeding ticket in Ontario will remain on your driving record for 3 years from the date you paid or were found guilty in court. As such, it will affect your insurance premiums for those three years. If you do get more driving tickets during that timeframe, the effect will be even more significant. Tickets hurt your ability to access cheap auto insurance in Ontario. If you want to see your driver’s record, you can order one online.

Should I fight a speeding ticket?

If you believe that the speeding ticket you were issued was wrong, you should fight the ticket. If you have been issued a speeding ticket, you should inform your insurance company. Instead, your insurance provider will be notified about the ticket after one of two outcomes occurs:  One, you pay the ticket, or two, you fight the speeding ticket and lose (requiring you to pay.) If you are curious how to fight a speeding ticket, there are some options. Your best bet to fighting a speeding ticket is to hire a team that specializes in it. Most people who fight a speeding ticket and win did so because of legal technicalities. The police officer that issues you the speeding ticket must prove who, what, when, where and how the speeding ticket was issued. Knowing the law in-depth is what helps fight a speeding ticket.

When do insurance companies find out about my speeding ticket?

Insurance companies can only learn about your speeding ticket after you have lost in court OR you paid the ticket. When you take a ticket to court and lose, you will need to pay the fine. If you decide not to fight the ticket, you will need to pay it. In both cases, the action of paying for the ticket is what registers the speeding ticket on your driver’s abstract.

Do different speeds affect your auto  insurance differently?

Speeding tickets and how fast you were going will affect your Ontario auto insurance premiums differently. The fine that you face from a speeding ticket is also different based upon how fast you are driving above the posted speed limit. As per the Ontario Courts, the following fines are issued for speeding:

  • 1-19km/h over the speed limit is a $2.50/km speeding fine.
  • 20-29km/h over the speed limit is a $3.75/km speeding fine.
  • 30-49km/h over the speed limit is a $6.00/km speeding fine.
  • 50+ km/h over the speed limit comes with a court decided fine.

There are higher speeding fines issued if you were speeding in a Community Safety Zone. Those fines are:

  • 1-19km/h over the speed limit is a $5.00/km speeding fine.
  • 20-29km/h over the speed limit is a $7.50/km speeding fine.
  • 30-49km/h over the speed limit comes with a court decided fine.

The faster your speeding ticket is issued for, the higher impact they will have on your auto insurance premiums.

I have multiple speeding tickets, what is a high risk driver?

A high risk driver is someone who has been involved in multiple accidents, or has received multiple driving tickets. Those driving tickets include speeding tickets. As the name suggests, insurance companies label someone a high risk driver if they show a higher risk than other drivers. If you are considered high risk, your access to cheap auto insurance is limited. Instead, you must seek out high risk auto insurance. High risk insurance premiums are much higher than regular auto insurance. By requesting a quote with isure, you can find most affordable high risk insurance compared to going directly to insurers. We compare the rates of dozens of the best insurance providers in Ontario to give you a great rate and policy. Click here to get an online quote 

How many demerit points come with an Ontario speeding ticket?

Demerit points are the Ontario Ministry of Transportation’s way of determining driver quality. If someone acquires too many demerit points, the Ministry can choose not to renew your license. Any demerit points you gain during your driving remain on your record for three years. If you get a speeding ticket Ontario, it will also include demerit points on your record. Currently, you will get the following demerit points for speeding:

  • 16-29km/h over the posted speed limit will come with 3 demerit points.
  • 30-49km/h over the posted speed limit will come with 4 demerit points.
  • 50+ km/h over the posted speed limit will come with 6 demerit points.

Do demerit points affect my auto insurance in Ontario?

Demerit points do not directly impact your car insurance rates in Ontario. Instead, the speeding tickets (as well as other tickets) that you get are what impacts your insurance premiums. One thing to note, if you get too many demerit points, the Ministry can suspend your license. If your license is suspended, your insurance company is not obligated to provide you with coverage.

Can I pay for my speeding ticket online?

Yes, you can pay for a speeding ticket online. Most areas have their own online portals that enable you to pay for driving tickets online. While most areas have this, some areas do not and need you to pay your speeding ticket in person. Some areas that allow you to pay for a speeding ticket online include:

Related Articles :

1: How to manage your high risk Driving Insurance 

2: High Risk Driver Insurance 

3: How much Driving tickets will affect my insurance rates 

4: Tips to stop Distracted Driving 

5: Car accident ? Here is what to do next  



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