How Much Does a Speeding Ticket Really Cost in Ontario? (2026)
Everyone knows the fine amount on a speeding ticket. What most people don't realize is that the fine is the smallest part of the cost.
Ontario Speeding Fines (2026)
Ontario calculates speeding fines based on how far over the speed limit you were going:
| Speed Over Limit | Fine Rate | Demerit Points |
|---|---|---|
| 1-15 km/h | $2.50/km | 0 |
| 16-29 km/h | $3.75/km | 3 |
| 30-49 km/h | $6.00/km | 4 |
| 50+ km/h | Stunt driving | 6 |
On top of the base fine, you pay a 25% victim fine surcharge and $5 in court costs.
Example: 22 km/h over the limit
- Base fine: 22 x $3.75 = $82.50
- Victim surcharge (25%): $20.63
- Court costs: $5.00
- Total fine: ~$108
Not bad, right? Keep reading.
The Hidden Cost: Insurance
Here's where it gets expensive. A speeding conviction stays on your record for three years, and your insurance company will see it at your next renewal.
Ontario's average annual car insurance premium is roughly $1,920. Here's how a speeding ticket affects it:
| Conviction Type | Insurance Increase | 3-Year Extra Cost |
|---|---|---|
| Minor speeding (1-15 over) | ~15% | ~$864 |
| Moderate speeding (16-29 over) | ~25% | ~$1,440 |
| Major speeding (30-49 over) | ~50% | ~$2,880 |
| Stunt driving (50+ over) | ~100-200% | ~$5,760-$11,520 |
The Real Cost of Your Ticket
Add the fine and the insurance increase together:
22 km/h over: $108 fine + $1,440 insurance = $1,548 total
That "small" speeding ticket is actually costing you over $1,500.
For 35 km/h over: $210 fine + $2,880 insurance = $3,090 total
For 52 km/h over (stunt driving): $2,000+ fine + licence suspension + $5,760-$11,520 insurance = $7,760-$13,520 total
Demerit Points and Licence Suspension
Ontario's demerit point system adds another layer of consequences:
- 2-8 points: Warning letter from the MTO
- 9-14 points: Required to attend an interview. Licence may be suspended for up to 60 days
- 15+ points: Automatic 30-day licence suspension
Points from a single ticket can push you into dangerous territory if you already have points on your record.
Why Fighting Is Worth It
The math is simple. Fighting a ticket costs you a day in court. The potential savings are $1,000-$10,000+ depending on the charge.
If the officer doesn't show up (which happens regularly), the charge is withdrawn — you walk away with nothing on your record.
If you go to trial and lose, you pay the exact same fine you would have paid anyway. There's no penalty for trying.
[See the real cost of your specific ticket — free instant calculator](/on)