The Legal and Financial Consequences of Speeding in Ontario
Last reviewed: 2026 · Driviology Road Safety Education Team
Quick Answer
A speeding conviction in Ontario typically brings a fine that scales with how far over the limit you were, demerit points on your licence, and often a meaningful increase in insurance premiums for several years.
Beyond the physical risks of speeding, a conviction also carries concrete legal and financial consequences.
Fines That Scale With Severity
Fines generally increase with how far over the posted limit a driver was travelling, with excessive speeds carrying substantially higher penalties.
Demerit Points
A speeding conviction adds demerit points to a licence, and accumulating enough points within a set period can trigger a licence suspension.
Insurance Impact
Insurers typically treat a speeding conviction as a meaningful risk indicator, often raising premiums for several years afterward.