A speeding ticket can affect more than just the fine, impacting your driving record, demerit points, and insurance. With over 30 years of experience, Traffic Ticket Advocates helps drivers across Toronto, Newmarket, York Region, and the GTA understand their options before responding.
Speeding Ticket
Section 128 of the Highway Traffic Act
Under Section 128 of Ontario's Highway Traffic Act, no person shall drive a motor vehicle at a speed greater than the posted speed limit. While many drivers view speeding tickets as minor offences, the consequences often extend beyond the fine itself.
Before deciding whether to pay or dispute a ticket, it is important to understand the full picture.
Should You Fight a Speeding Ticket in Ontario?
Paying a speeding ticket generally means accepting a conviction. Before responding, it’s important to understand how the alleged speed and circumstances of your case may affect your options.
You should strongly consider getting legal advice before paying if:
- The ticket carries 3, 4, or 6 demerit points
- You are a G1, G2, M1, or M2 driver
- You drive for work
- You already have points or previous convictions
- The ticket occurred in a construction zone or community safety zone
- The alleged speed is near a stunt-driving threshold
- You are concerned about insurance renewal or premium increases
Ontario Speeding Ticket Penalties: Fines, Points and Insurance Risk
Many drivers focus only on the fine amount. In reality, the long-term consequences of a conviction can be more significant than the ticket itself.
|
Alleged Speed |
Demerit Points |
Main Risk |
Notes |
|
1–15 km/h over |
0 |
Conviction / Insurance Impact |
Zero points does not mean zero consequences. |
|
16–29 km/h over |
3 |
Points + Insurance Concerns |
Often worth reviewing before paying. |
|
30–49 km/h over |
4 |
Significant Insurance and Licence Concerns |
Increased risk for novice drivers. |
|
40 km/h+ over in zones under 80 km/h |
Stunt Driving Risk |
Roadside Suspension and Vehicle Impoundment |
May trigger stunt-driving allegations. |
|
50 km/h+ over in zones 80 km/h or higher |
Stunt Driving Risk |
Roadside Suspension and Vehicle Impoundment |
Serious consequences may apply. |
|
150 km/h or more anywhere |
Stunt Driving Risk |
Immediate Roadside and Court Consequences |
Requires prompt legal review. |
What About Speed Camera Tickets?
Speed camera notices are different from traditional speeding tickets and are often issued to the vehicle owner rather than the driver.
Depending on the municipality, disputes may involve:
- Automated Speed Enforcement (ASE) procedures
- Administrative Municipal Penalty System (AMPS) reviews
- Other local enforcement processes
Because the rules vary, we recommend sending us a photo of your notice. We can review it and explain your options.
When Does Speeding Become Stunt Driving?
Certain speeding allegations can result in a stunt-driving charge. In Ontario, this may apply when a driver is accused of:
- Driving 40 km/h or more over the speed limit in a zone where the limit is under 80 km/h
- Driving 50 km/h or more over the speed limit in a zone where the limit is 80 km/h or higher
- Driving 150 km/h or more anywhere
Stunt-driving charges carry significantly more serious consequences than standard speeding tickets, including immediate roadside licence suspensions and vehicle impoundment.

Will a Speeding Ticket Affect My Insurance?
One of the most common questions drivers ask is whether a speeding ticket will increase their insurance premiums. The answer often depends on the conviction itself rather than the number of demerit points attached to the offence.
Why “No Points” Does Not Always Mean “No Problem.”
Many drivers assume that a zero-point ticket will not affect their insurance, but insurers often focus on convictions rather than demerit points alone. Even a speeding conviction with no points may still be considered when assessing your driving record. Multiple convictions can increase the impact, particularly for novice and commercial drivers.
What To Do After Getting a Speeding Ticket
The steps you take after receiving a speeding ticket can affect the options available to you. Before making a decision, consider the following:
- Review the ticket carefully and note any response deadlines, court information, and details of the alleged offence.
- Document the circumstances by taking photos of the ticket, road conditions, speed limit signs, construction zones, or community safety zone signs, where applicable.
- Write down what happened while the details are still fresh in your memory.
- Consider the potential consequences, including the impact on your driving record, insurance rates, and overall costs.
- Have the ticket reviewed to better understand your options and identify any issues that may affect your case.
- Decide how to proceed based on the facts of your situation and the options available to you.
Speeding Ticket Help in Toronto, Newmarket, York Region and the GTA
Traffic Ticket Advocates helps drivers throughout Toronto, Newmarket, York Region, Vaughan, Richmond Hill, Scarborough, Barrie, and surrounding GTA communities.
Whether your ticket was issued on a highway, city street, commuter route, or in a construction or community safety zone, our team can review your case and explain your options.
Why Choose Us to Fight Your Speeding Ticket?
Ignoring or delaying action on a speeding ticket can lead to greater penalties, increased stress, and lasting impacts on your driving record. Our team of experienced legal professionals is here to help fight your speeding ticket – we’ll evaluate your situation, outline a clear plan of action, and guide you through every step to make the process as stress-free as possible.

Expertise in Traffic Law

Proven Track Record

Personalized Approach

Stress-Free Process

Protect Your Insurance and Record
How We Help Fight Speeding Tickets
Many drivers are unfamiliar with the court process and unsure what to expect. Our goal is to make the process easier to understand and manage.
1. Review
We begin with a free consultation and ticket review.
2. File
Where appropriate, we help ensure the ticket is properly responded to within the required time.
3. Disclosure
We request and review disclosure materials, including officer notes and other available evidence.
4. Strategy
We assess factors such as officer observations, radar or laser evidence, signage, road and weather conditions, identification issues, speed-limit changes, and construction-zone factors when reviewing your case.
5. Resolution
Depending on the evidence and circumstances, we explain available options, negotiate where appropriate, prepare for trial when necessary, and represent clients whenever permitted.
Contact Our Speeding Ticket Paralegals Today
The knowledgeable and supportive speeding ticket paralegals at Traffic Ticket Advocates are dedicated to helping you through what can be a stressful situation. Contact us for an initial consultation to discuss your case and review possible solutions.
With over 30 years of experience, we proudly serve clients from Newmarket to Barrie and across York Region, Toronto and the GTA. Call or text us at 416-702-7337 today.
