speeding tickets and insurance

As of July 2021, Stunt Driving Laws in Ontario were updated, there is a fine line between Speeding Tickets in Ontario and Stunt Driving. For more information visit our Racing + Stunt Driving page!

A speeding ticket in Ontario can increase your insurance rates by approximately 20-50% for 3 years. Some companies may forgive a first minor conviction; however, each company is different, and you should confirm with them directly. Oftentimes, insurance companies will not know about a ticket until it is time to renew your policy. We recommend contacting the insurance company to determine the increase in price. 

fines for driving with a suspended licence in Ontario

Contrary to popular belief, officers do not need to show you a radar at the roadside. There are a few different pieces of equipment they could be using when issuing speeding tickets in Ontario. This may include a radar mounted in the car. It is also a possibility that your vehicle was paced by the officer and there is no radar reading to show how fast you were Speeding. These interactions with officers at the roadside are typically kept short for safety reasons and may be why the officer does not show you the reading obtained. We are trained and experienced in defending speeding tickets in Ontario. There may be some legal technicalities we can use to your Speeding defence. 

cop-speeding-ticket-toronto-street-legal-1024x683 Speeding Tickets

There are many factors to take into consideration when fighting a speeding ticket in Ontario, we always recommend reaching out for professional legal advice.

Automated Speeding Tickets in Ontario

Automated speeding tickets in Ontario do not affect your driver’s licence or insurance premiums, as they cannot prove who was driving the vehicle. The registered owner of the vehicle will receive the ticket in the mail. You have options to pay the fine or dispute the charge. Failure to choose an option with the court may result in the court sending the fine to collections with increased fine penalties. You will also not be able to renew your plate the following year. 

Speeding Tickets Ontario Options

Option #1

Plead Guilty – We do not advise selecting this option for any traffic charge. By selecting this option, you are pleading guilty to the charge. As a result, you will pay the full amount of the fine plus court costs, you will receive any/all demerit points and/or drivers licence suspension associated with the speeding ticket. The Speeding conviction will remain on your driving record for three years and your insurance may significantly increase.

Option #2

Early Resolution, Meeting with the Prosecutor – We do not suggest choosing this option as you are essentially still pleading guilty but with the possibility of a lesser offence or fine amount. This option saves the court and officer from having to proceed with another trial. A prosecutor may reduce the Speeding charge, however that is still a Speeding conviction that will appear on your driving record causing your insurance premiums to increase for 3 years. Demerit points and suspensions may still apply to reduced Speeding offers. 

Option #3

Trial – We always recommend option three for your Speeding ticket. This is the best way to maintain your clean driving record and low insurance rates. 

You have approximately 15 days to select an option with the court. It is always best to contact a legal professional as soon as you receive a ticket. This ensures enough time to request a trial, order disclosure/evidence, conduct a pre-trial and attend any court meetings on your behalf. In most cases, you would not need to attend court yourself unless your representative felt it would benefit the case for you to be present. 

  • 16-29km/h over the posted speed limit carries 3 demerit points
  • 30-49km/h over the posted speed limit carries 4 demerit points
  • 50+ km/h over the posted speed limit carries 6 demerit points.
suspended-license-lawyer-dui-toronto Speeding Tickets

Did you know?

If you receive a speeding ticket in most other Canadian provinces it may still show on your driving abstract as an Out of Province (OOP) charge! 



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Speeding Ticket Demerit Points


A speeding ticket can carry up to 6 demerit points against your driving record. The amount of points you receive is dependent on how many kilometers over the limit your vehicle was travelling. Please see the breakdown below:

• 0-15 km/h over: 0 demerit points
• 16-29 km/h over: 3 demerit points
• 30-49 km/h over: 4 demerit points
• over 50 km/h: 6 demerit points + a licence suspension. In addition to a speeding ticket, you may also be facing a stunt driving charge, which also carries 6 points. (12 points in total!)

Demerit points will stay on your record for 2 years from the date the charge was given.

All speeding convictions, even if they do not carry any points, will stay on your driving record for 3 years from the conviction date.

Is your licence suspended because of unpaid fines?

Our team will work effectively to file the necessary court documents immediately: 1. Notice of Appeals 2. Motions to Extend the Time to File an Appeal 3. Organize extensions of time to pay your fines with easy payment plans
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Demerit points across ontario

Did you know...

7 Points – Failing to Remain at Scene of Accident

7 Points – Driver failing to stop when signaled or requested to by a police officer

6 Points – Careless Driving

6 Points – Racing

6 Points – Failing to Stop for School Bus

6 Points – Exceeding Speed limit by 50 Kilometers per hour or more

5 Points – Driver of public vehicle or School Bus failing to stop at Railway Crossings

4 Points – Exceeding Speed limit by 30-49 Kilometers per hour

4 Points – Following too closely

3 Points – Exceeding Speed limit by 16-29 Kilometers per hour

3 Points – Driving through, around, or under Railway Crossing Barrier

3 Points – Failing to Yield Right of Way

3 Points – Failing to obey a stop sign, signal light or Railway Crossing Signal

3 Points – Failing to Obey directions of police constable

3 Points – Driving or operating a vehicle on a closed highway

3 Points – Failing to report an accident

3 Points – Improper passing

3 Points – Improper Driving where highway divided into lanes

3 Points – Crowding Driver’s Seat

3 Points – Drive Wrong Way – Divided Highway

3 Points – Cross Divided highway – No proper crossing provided

3 Points – Wrong Way in one way Street or Traffic

3 Points – Failing to slow down and proceed with caution when approaching stopped emergency vehicle

3 Points – Failing to move into another lane when approaching stopped emergency vehicle – if safe to do

2 Points – Backing on a highway

2 Points – Pedestrian Crossover

2 Points – Failing to share road

2 Points – Improper Right Turn

2 Points – Improper Left Turn

2 Points – Failing to Signal

2 Points – Unnecessary Slow Driving

2 Points – Failing to lower headlamp beam

2 Points – Improper opening of vehicle door

2 Points – Prohibited Turns

2 Points – Towing of persons on toboggans, bicycles, skis, etc. prohibited

2 Points – Failing to obey sign prescribed by regulation under subsection 182(1)

2 Points – Driver failing to wear complete Seatbelt assembly

2 Points – Driver failing to ensure passenger under 16 years wears complete seatbelt assembly

2 Points – Driver failing to ensure child passenger under 23 Kilograms occupies position with seatbelt

PROFESSIONAL case evaluation

your first consultation is free!

Simply fill out our form telling us about your ticket. Upload a photo of your ticket and drivers licence or photo ID and we’ll be in touch with you within 2 business days to discuss how to proceed with our services and what you can expect. This initial review and consultation is free of charge, so book now.


We have a 5-star rating on Google from hundreds of satisfied clients!

Thank you very much Street Legal! I was in contact with Jackie and her staff who were awesome. Their services were very informative and made me feel comfortable throughout the process. Very professional and well worth every penny. I was able to receive the best of all possible outcomes. No points deducted and no fine paid. I would highly recommend their services. Thank you once again, you made my holiday!
Wafa K
1 Month Ago
Jackie and her staff were very helpful and accommodating to me with payment plans and were always nice and courteous. It took me a while to get the balance down and they always gave me kind and gentle reminders and nice phone calls. Jackie actually got me off for one of my tickets!! No demerit points no charge!! Very impressed and happy with her and the team at street legal. Nice women doing good things and helping people.
Linsay Mercier
3 Months Ago
I am very pleased with the services Jackie at Street Legal provided, the outcome of the case was favourable. Jackie has been very helpful from the first day of consultation up to the trial date. I highly recommend Jackie, she is very professional and achieved excellent results.
Gabe Di Pede
3 Months Ago
Special thanks to Jackie and Team for your excellent efforts in resolving my ticket issue. The Street Legal Team were persistent during the pandemic and favorably resolved my case. Thanks so much!!! I would recommend to everyone.
Kevin Gilbert
1 Month Ago
Jackie is fantastic at what she does! I was accused of driving 43 over the limit on a highway and I was a bit scared that I wouldn’t stand a chance to win the case. But jackie was very confident that she would get the charges withdrawn. And of course she got the case withdrawn fully. No demerit point, No fine. I’m so grateful for your help on this one jackie. And I also want to say thank you to Amanda, who helped me on the case. Anyone looking for a legal help on you traffic tickets, look no other. Jackie is the real deal!!
2 Months Ago
Thank you Jackie for helping me fight the traffic ticket which was dismissed. I have been used Street Legal couple times and every time Jackie has the ticket dismissed. She explained the process and advice the option clearly. I am satisfied with the service. Thank You.
Ryan Tang
5 Months Ago
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