Speeding Tickets in Ontario

Ontario Speeding Fines and Demerit Points

Select a zone to compare speeds from 10 to 49 km/h over the limit. Estimated total payable includes the draft surcharge and court-cost calculation. Confirm the amount on your notice.

Fine amounts and total-payable estimates remain subject to final verification. Points shown are general offence values, not a prediction for every licence class. Speeds of 40 km/h or more over on roads posted below 80 km/h may engage stunt-driving rules. This table does not calculate those penalties.

Demerit points in Ontario

A conviction can add points to your driving record. New drivers face extra rules. Some charges bring penalties that get more serious after each qualifying conviction.

G1, G2, M1 and M2 drivers

Why can one four-point ticket cause a suspension?

G1, G2, M1 and M2 drivers are subject to special new-driver rules. A conviction for a single offence carrying four or more demerit pointsDemerit Points in OntarioLearn how points accumulate, when warnings or suspensions may apply, and the special rules for G1, G2, M1 and M2 drivers. can trigger a 30-day suspension for a first qualifying occurrence. Later qualifying convictions can bring longer suspensions or other penalties.

A speeding conviction for 30–49 km/h over the limit generally carries four points. The exact charge and the driver’s licence status affect the consequences. The rules for drivers who hold both full and novice classes require particular care.

What happens when points accumulate?

Two separate three-point speeding convictions within two years can leave a new driver with six points added together. Ontario’s published guidance lists a second warning at six to eight points. Suspension is possible in specified circumstances, but is not automatic at six points.

At nine points added together, a new driver faces a 60-day suspension. Adding up points from several convictions is different from the extra penalties for one four-point charge. These are separate licence consequences.

When speeding becomes stunt driving

How is stunt driving different from speeding?

Ontario has separate speed-based stunt-driving thresholds. The following speeds may qualify:

• 40 km/h or more over on a road posted below 80 km/h.
• 50 km/h or more over on a road posted at 80 km/h or higher.
• 150 km/h or more.

Stunt driving is a separate offence under the Highway Traffic Act. A driver should look at the actual charge printed on the notice. The ordinary speeding fine table does not calculate stunt-driving penalties, roadside suspensions or vehicle impoundment.

Insurance and the combined effect

Can a speeding conviction affect insurance?

Yes. Insurers may consider speeding convictions even when no demerit points apply. A single minor conviction may cause little or no immediate change, but some drivers may lose discounts or face higher premiums.

Convictions may remain relevant when an insurer reviews a policy at renewal. The effect depends on the company, the driver’s history and the policy. The fine printed on the ticket may therefore be only part of the financial cost.

Can multiple tickets have a combined effect?

One speeding conviction may seem minor. If a driver receives another ticket a year later, an insurer may consider two convictions instead of one. An at-fault accident can add to the risk assessment.

Demerit points can also accumulate across convictions within the relevant period. Insurance consequences and licence penalties are separate effects of a conviction.

Can a new driver affect a parent’s insurance?

A G2 driver may be listed as an occasional driver on a parent’s automobile insurance policy. A speeding conviction may affect the premium for that policy, even if the parents have clean driving records.

A related novice-driver suspension may raise additional concerns for the insurer. The effect depends on the company, the vehicles, driver assignments and policy terms. It is not automatically an increase for every household vehicle.