Select Page

Will a Speeding Ticket Affect My Insurance in Ontario?

When drivers receive a speeding ticket, their primary concern is often how it will affect their auto insurance. It’s a logical worry since insurance premiums can rise significantly for individuals who have received multiple tickets or have a poor driving history. In this blog post, we will explore how speeding tickets affect insurance in Ontario and what you can do to minimize their impact.

How Does Insurance Work in Ontario?

In Ontario, the car insurance market is highly regulated by the provincial government. Insurance providers must follow guidelines set out by the Financial Services Regulatory Authority of Ontario (FSRA) when determining premiums for drivers.Auto insurance premiums are determined based on a variety of factors, including the driver’s age, driving experience, driving history, and the type of vehicle being driven. However, the most significant factor is the driver’s risk level. Insurance providers use complex algorithms to calculate a driver’s risk level and determine their premium based on this risk.

How Do Speeding Tickets Affect Insurance in Ontario?

Speeding tickets can be a significant factor in calculating a driver’s risk level; therefore, they can impact their insurance premiums. In Ontario, a speeding ticket will remain on a driver’s record for three years from the date they are convicted. The number of demerit points associated with the ticket will also be recorded on the driver’s record.Insurance providers in Ontario use a driver’s record to determine their risk level, and having a speeding ticket on your record can be seen as an indicator of risk. As a result, drivers who have received a speeding ticket may see an increase in their insurance premiums, especially if they have a history of traffic violations.

How Much Will My Insurance Increase?

The amount by which your insurance will increase depends on a variety of factors, including the severity of the speeding ticket, the number of previous tickets or violations on your driving record, and the insurance provider you are using.Typically, a single speeding ticket won’t have a significant impact on insurance premiums. However, if you have multiple violations on your driving record, you may see a more significant increase.To give you a better idea of how much your insurance might increase, we’ve compiled the following general guidelines:

  • Minor speeding tickets (1-15 km/h over the speed limit): Generally, insurance premiums will not increase for a first-time offense.
  • Moderate speeding tickets (16-29 km/h over the speed limit): Could result in a 5% to 15% increase in premiums.
  • Major speeding tickets (30 km/h over the speed limit or more): Could result in a 30% to 100% increase in premiums.

It’s also crucial to consider that insurance providers have their own rating systems for drivers. As a result, two different drivers who have received the same ticket may see different increases in their premiums from different insurance providers.

What Can I Do to Minimize the Impact of a Speeding Ticket?

While there’s no way to remove a speeding ticket from your record, there are strategies you can use to minimize its effect on your insurance premiums.One option is to take defensive driving courses. These courses can help you improve your driving skills and reduce your chances of getting another ticket. Additionally, some insurance providers offer discounts to drivers who have taken a defensive driving course.Another option is to shop around for insurance quotes. Different insurance providers weigh violations on a driving record differently, and some may be more forgiving of speeding tickets than others. Comparing quotes from multiple providers can help you find the most affordable insurance policy for your situation.Finally, it’s worth considering seeking legal advice if you feel that the ticket was unjustly issued. If you have received a speeding ticket that you believe was issued in error, it may be possible to fight it in court, and if successful, you may avoid having the ticket show up on your record.


In conclusion, a speeding ticket can indeed impact your auto insurance premiums in Ontario. Whether or not there’s a significant effect will depend on the severity of the ticket, the number of previous violations on your record, and your insurance provider.To minimize the impact of a speeding ticket, consider taking defensive driving courses, shopping around for insurance quotes, and fighting the ticket in court if you believe it was unjustly issued. By taking proactive steps, you can help reduce the risk of seeing a significant increase in your auto insurance premiums.