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How much are speeding fines in Ontario? Discover the 2025 fine structure, hidden fees, demerit points, and legal tips for Ontario drivers.
Speeding may seem like a minor slip on a busy day, but in Ontario, it can quickly become an expensive and stressful legal issue. Whether you’re a new driver or a seasoned commuter, understanding how much are speeding fines in Ontario is essential to protecting both your wallet and your driver’s license.
In this 2025 guide, we break down fine amounts, court fees, demerit points, and legal consequences of speeding—plus how to fight or avoid those costly tickets altogether.
Overview of Ontario’s Traffic Laws on Speeding
The Ontario Highway Traffic Act (HTA) governs the rules of the road across the province, including Toronto, Ottawa, Hamilton, and beyond. Speed limits are strictly enforced through roadside policing, speed cameras, and community complaints.
What Constitutes Speeding in Ontario?
Speeding is defined as exceeding the posted speed limit. It’s categorized based on how far over the limit you’re driving:
1–19 km/h over: Minor offence
20–49 km/h over: Moderate offence
50+ km/h over: Major offence (can be considered stunt driving)
Speeding vs. Stunt Driving
If you’re caught going 50 km/h or more over the limit, you’re not just fined—you’re charged with stunt driving, which includes:
Immediate vehicle impoundment
Driver’s license suspension on the spot
Court appearance with potential jail time
How Speeding Fines Are Calculated in Ontario
The fine amount depends on how much you exceed the speed limit and where the violation occurred (e.g., a school zone has stricter penalties).
Base Fine Rates by Speed Over Limit
| Speed Over Limit | Fine (per km/h) |
|---|---|
| 1–19 km/h | $2.50 per km |
| 20–29 km/h | $3.75 per km |
| 30–49 km/h | $6.00 per km |
| 50+ km/h | Court-determined (stunt driving) |
For example, driving 35 km/h over the limit would cost: 35 x $6.00 = $210, plus surcharges.
Additional Court Fees and Surcharges
All tickets come with:
Victim Fine Surcharge: $5 to $125 depending on offence
Court administration fee: $5 to $25 depending on payment method
These can add 30%–50% extra to your base fine.
Administrative Penalties and Processing Charges
Photo radar tickets and red-light cameras can include extra processing fees and are not associated with demerit points but still impact your driving record.
2025 Speeding Fine Chart for Ontario
| Speed Over Limit | Base Fine | Total with Surcharges (Approx.) |
|---|---|---|
| 10 km/h | $25 | $40 |
| 20 km/h | $75 | $110 |
| 30 km/h | $180 | $235 |
| 40 km/h | $240 | $310 |
| 50+ km/h | Court appearance required | $500+ |
Special Zones with Higher Penalties
Speeding in designated zones like school zones, community safety zones, or construction zones results in double fines.
Doubling of Fines in Designated Zones
If you’re going 30 km/h over in a school zone, instead of $180, your base fine becomes $360, before surcharges.
These zones are marked clearly and often monitored more closely by enforcement agencies.
Demerit Points and Insurance Consequences
Speeding doesn’t just hurt your wallet—it also affects your long-term driving record and insurance premiums.
How Speeding Affects Insurance Premiums
Insurers view even minor speeding tickets Toronto as a red flag. Multiple infractions can move you into high-risk driver status, doubling or even tripling your premiums.
Demerit Points by Offence Level
| Speed Over Limit | Demerit Points |
|---|---|
| 16–29 km/h | 3 |
| 30–49 km/h | 4 |
| 50+ km/h | 6 (and potential license suspension) |
How to Pay Speeding Fines in Ontario
Payment Options:
Online: Ontario.ca
In person: Local courthouse or city hall
By mail: Using the notice mailed to your address
Deadlines and Late Payment Consequences
If you fail to pay on time:
Your license may be suspended
Interest and penalties may apply
A collection agency may pursue the debt
Can You Dispute a Speeding Ticket?
Yes. You have the legal right to contest the charge in court. This is especially useful for borderline cases or unjust camera tickets.
Hiring a Paralegal or Traffic Lawyer
Pros:
Higher chance of ticket being dismissed or reduced
May save money on long-term insurance
Cons:
Can cost $300–$1000 depending on case complexity
Tips to Avoid Speeding Tickets
Use cruise control in long highway stretches
Be extra cautious near schools and construction areas
Download speed warning apps or use GPS tools with alert settings
Pay attention to posted signs, especially in new neighborhoods
Frequently Asked Questions (FAQs)
Q1: How long does a speeding ticket stay on my record in Ontario?
A: Typically 3 years from the conviction date.
Q2: Will I get demerit points for photo radar tickets?
A: No. They do not come with demerit points since the driver can’t be identified.
Q3: What happens if I don’t pay a speeding ticket?
A: Your license may be suspended, and additional fees will be added.
Q4: Are speeding fines higher in winter?
A: No, but you may face careless driving charges if road conditions are dangerous.
Q5: Can tourists or out-of-province drivers get speeding tickets in Ontario?
A: Yes. Tickets can follow you back to your home province.
Q6: Is it worth fighting a speeding ticket?
A: It depends on the fine amount, your record, and whether you believe you were unfairly charged.
So, how much are speeding fines in Ontario? The answer depends on how fast you’re going and where. With base fines, surcharges, demerit points, and insurance hikes, a simple mistake can cost far more than just a few dollars. Stay informed, drive cautiously, and always know your rights.
