The Hidden Costs of Speeding
Paying a traffic ticket might seem easier than fighting it, but the consequences extend beyond the fine. Demerit points can affect your driving record, and insurance premiums may increase significantly for several years if you plead guilty.
Speeding convictions can have long-lasting financial and personal consequences. It's not just about the ticket; the added demerit points and higher insurance rates can impact your life for years. Fighting the ticket may be worth considering, depending on your situation.
Speeding Ticket Penalties
Under the Highway Traffic Act (Section 128), the number of demerit points depends on how far over the speed limit you were driving:
- 0–15 km/h over: 0 demerit points
- 16–29 km/h over: 3 demerit points
- 30–49 km/h over: 4 demerit points
- 50+ km/h over: 6 demerit points
Important Note
Driving 50 km/h or more over the limit can result in additional charges such as careless driving, stunt driving, racing, or excessive speed. Convictions for stunt driving carry a minimum fine of $2,000 and may include a licence suspension.
- Higher fines and licence suspensions apply for extreme speeding.
- Insurance rates can double following a serious speeding conviction.
- Demerit points can lead to licence suspensions if accumulated.
Taking action early and understanding your rights can help reduce the long-term impact of speeding tickets.