Speeding Ticket Cost Calculator
Calculate fines, demerit points, and insurance impacts across Canada
Cost Breakdown
📍 Location Details
🚗 Speed Details
📋 Driving History
What You Should Know
True Cost is Much Higher
The ticket fine is just the beginning. Insurance increases over 3 years typically cost 5-10 times more than the ticket itself.
Fighting Tickets Can Help
Many speeding tickets can be reduced or dismissed in court. For tickets with high demerit points, legal representation often pays for itself.
Demerit Points Accumulate
Points stay on your record for 2 years. Accumulating too many points leads to license suspension and mandatory driver improvement courses.
Stunt Driving Laws are Severe
In Ontario, 40+ km/h over on roads under 80 km/h, or 50+ km/h over on highways results in immediate 30-day license suspension and 14-day vehicle impoundment.
Disclosure is Your Right
You have the right to request full disclosure (officer notes, radar calibration, etc.) before your court date. This often reveals weaknesses in the prosecution's case.
Act Quickly
You typically have 15 days from receiving a ticket to respond. Missing deadlines means automatic conviction.
Ontario Specifics
License Suspension Thresholds:
- 6-8 points: Warning letter
- 9-14 points: Interview required
- 15+ points: 30-day suspension
Stunt Driving: 50+ km/h over = immediate 30-day suspension, 14-day impound, $2,000-$10,000 fine
Frequently Asked Questions
Should I fight my speeding ticket? ▼
Generally, yes - especially if you have demerit points. Even minor reductions can save thousands in insurance costs. Tickets with 3+ points should almost always be challenged. Consider hiring a paralegal or traffic lawyer for tickets over 30 km/h.
How long do demerit points stay on my record? ▼
In most provinces, demerit points remain on your driving record for 2 years from the date of the offense. However, insurance companies may consider convictions for 3-6 years when calculating premiums.
What happens if I don't pay my speeding ticket? ▼
Failure to pay results in escalating penalties: license suspension, vehicle permit denial, additional fines, and potential arrest warrant. In Ontario, unpaid fines are referred to collections and your license won't be renewed until paid in full.
Can I take a driver improvement course to reduce points? ▼
This varies by province. In Ontario, you cannot remove demerit points with courses, but some insurance companies offer discounts for completing defensive driving courses. Alberta and other provinces have point reduction programs available.
Will my insurance increase after a speeding ticket? ▼
Most likely, yes. Minor tickets (under 15 km/h over) may not affect rates with some insurers. Tickets with demerit points almost always result in increases of 15-50% for 3-6 years. Multiple tickets can make you uninsurable with standard providers.
What is "stunt driving" or "excessive speeding"? ▼
In Ontario, it's 40+ km/h over the limit on roads under 80 km/h, or 50+ km/h over on highways. This results in immediate 30-day license suspension, 14-day vehicle impound, $2,000-$10,000 fine, and potential 6-month to 2-year license suspension upon conviction. Other provinces have similar laws.
How accurate are police radar/laser devices? ▼
When properly calibrated and operated, they're very accurate (±1-2 km/h). However, operator error, interference, and calibration issues do occur. Request disclosure to verify the device was properly tested and the officer properly trained.
Can I get a reduced charge by pleading guilty with explanation? ▼
Possibly, but you're giving up your right to fight the ticket. It's usually better to fight first - if you lose, you can still request a reduced sentence. Never plead guilty without knowing the full insurance impact.
Understanding Demerit Points
Demerit points are assigned based on the severity of traffic violations. They don't directly increase your insurance, but the conviction does. Points serve as a tracking system for repeat offenders.
Common Point Values (Ontario):
- 1-15 km/h over: 0 points (but still a conviction)
- 16-29 km/h over: 3 points
- 30-49 km/h over: 4-6 points
- 50+ km/h over: 6 points + stunt driving charges
- Careless driving: 6 points
- Failing to stop at red light: 3 points
How to Fight Your Ticket
Request a Trial
Check "Trial" option on the ticket and return within 15 days. This is your first crucial step.
Request Disclosure
Ask for officer notes, radar calibration records, and training certificates. Incomplete disclosure can get your ticket thrown out.
Review Evidence
Look for errors in the ticket, notes, or procedures. Common issues: wrong location, incorrect speed, device not calibrated.
Consider Legal Help
For tickets 30+ km/h over, hiring a paralegal or lawyer often pays for itself through better outcomes.
Attend Your Trial
Dress professionally, be respectful, and present your case clearly. Many tickets are dismissed if the officer doesn't show up.
Why Insurance Costs Skyrocket
Risk Assessment
Insurers view speeding violations as indicators of risky driving behavior, increasing your likelihood of future claims.
Long-Term Impact
Convictions typically affect rates for 3-6 years. A single ticket can cost you $3,000-$6,000 in increased premiums.
Compounding Effect
Multiple tickets can make you uninsurable with standard carriers, forcing you into high-risk insurance at 2-3x normal rates.
Important Legal Disclaimer
This calculator provides estimates based on general regulations and typical scenarios. Actual fines, demerit points, and insurance impacts vary based on specific circumstances, judicial discretion, driving history, insurance provider, and current provincial regulations. This tool is for educational purposes only and does not constitute legal advice. For specific legal guidance, consult a traffic lawyer or paralegal. Fine structures and regulations are subject to change - always verify current rates with official provincial sources.
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