The Hidden Cost of Speeding Tickets

No one wants to get a speeding ticket, yet it continues to be the most common traffic infraction in Canada year after year.

Why? Many people simply do not give themselves enough time to get to their destination and resort to speeding to make up the time. Others have this misconception that getting a speeding ticket is nothing to worry about.

True, a minor speeding ticket will likely not be a high stress occurrence. However, in addition to the ticket fine, even a small speeding ticket can:

  • Impact your insurance rates
  • Cost you demerit points

One thing is for sure though; receiving multiple speeding tickets will increase your insurance rates, even if they are minor infractions. Getting a serious speeding ticket (such as 50km over the limit) will definitely increase your insurance rates and could get your in some serious legal troubles as well.

Should you fight your ticket?

Fighting an Ontario traffic ticket can seem like a complicated and costly process. And, while it may seem counterintuitive to pay for legal services that sometimes cost more than the fine amount, it’s important to consider the impact even minor convictions can have on your driving record.

Did you know? Over 500,000 speeding charges were laid in Ontario in 2014 and over 25,000 of those charges were dismissed, stayed, acquitted or withdrawn.

Your Options

  1. Admission of guilt & fine payment
  2. Meet with a prosecutor (plead guilty with an explanation)
  3. Request a trial

If you choose to pay the ticket, it is considered an admission of guilt in Ontario. Once you’ve paid the ticket, you can no longer request a resolution meeting with a prosecutor to obtain a reduced fine or request a trial date. If you request a resolution meeting, the prosecutor can decide to reduce your charge and/or fine but the ticket will still appear on your driving record.

Requesting a trial is the only way to prevent a conviction. If you request a trial, the crown must prove their case to support the charge laid against you. If they are unsuccessful, they will drop the charge and the infraction will not appear on your record.

Before you decide what action you’ll take, it’s important to consider that convictions on your record can have an impact on your insurance for anywhere from 3 to 5 years from the date of the conviction. So, although a day in court may seem inconvenient, it could save you from paying years of higher insurance rates.

Inform Your Insurance Provider

“If you have been caught for speeding in the past, when it comes time to renew your auto insurance policy always be totally upfront with your insurance company about past speeding tickets,” says Glenn Cooper from Aviva Canada. “If your insurance company checks your motor vehicle report and find you have not disclosed previous tickets, your rates will likely go up, a claim may be denied or your policy could be cancelled.”

Prevention is Key

Slow down, make the roads safer, and reduce your chance of getting a ticket. Speeding tickets can and will impact your auto insurance rates. A conviction free driving record may qualify you for a reduction of your insurance premium. So, think before you decide to speed. Being five minute late could save you money, stress and time down the road.


Mass Insurance Brokers

59 Main Street, North Markham, Ontario, L3P 1X7

Monday to Friday 9am to 5pm