{"id":9219,"date":"2025-05-13T05:01:03","date_gmt":"2025-05-13T05:01:03","guid":{"rendered":"https:\/\/youset.ca\/?p=9219"},"modified":"2026-03-16T12:12:57","modified_gmt":"2026-03-16T12:12:57","slug":"speed-camera-ticket-and-insurance","status":"publish","type":"post","link":"https:\/\/youset.ca\/en\/blog\/speed-camera-ticket-and-insurance\/","title":{"rendered":"The Truth About Speed Camera Tickets and Car Insurance"},"content":{"rendered":"\n

The use of speed cameras, also known as photo radars, detection systems, or automated speed enforcement systems, is steadily increasing across Canada. As their presence grows, many drivers have questions, especially about the impact speed camera tickets might have on their <\/span>car insurance<\/span><\/a>.<\/span> <\/p>\n\n\n\n

Sound familiar? If so, this article is for you! Not only will it explain why speed camera tickets are unlikely to affect your insurance premium, but it will also address other common questions, including where speed cameras are used and how much a ticket from one might cost.<\/span><\/p>\n\n\n\n\n\n\n\n

Do speed camera tickets affect insurance?<\/h2>\n\n\n\n

It is unlikely that a speed camera ticket will <\/span>affect your car insurance premium<\/span><\/a> since the ticket cannot be tied to a specific driver. This is because <\/span>speed cameras capture a photo of the offending vehicle\u2019s license plate<\/span><\/a>, rather than the face of the person driving.<\/span> <\/p>\n\n\n\n

For example, let\u2019s say you <\/span>let someone else drive your car<\/span><\/a>, and they get caught speeding through a school zone. Since the camera cannot identify whether it was you, a friend, a family member, or anyone else behind the wheel, demerit points cannot be applied, and the violation can\u2019t be linked to your driving record.<\/span><\/p>\n\n\n\n

Do speed camera tickets go on your driving record?<\/h2>\n\n\n\n

No, speed camera tickets typically do not go on your driving record. This is the case in Ontario and <\/span>Quebec<\/span><\/a>, where speed camera tickets are not linked to individual drivers, meaning demerit points are not applied to the driver\u2019s record.<\/span> <\/p>\n\n\n\n

Unlike a speeding ticket issued by a police officer, where the officer can identify the driver at the time of the violation, speed cameras capture only the vehicle’s details, such as the license plate number. As a result, the ticket is issued to the vehicle\u2019s registered owner, who is responsible for paying or addressing the fine.<\/span> \u00a0<\/p>\n\n\n\n\t

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How much is a speed camera ticket?<\/h2>\n\n\n\n

The cost of a speed camera ticket varies depending on where you’re driving and how much you exceed the posted speed limit. While each jurisdiction has its own system for calculating fines, one thing is consistent: the penalty increases significantly the faster you go over the limit. You can see this in the tables below.<\/span>\n\n <\/p>\n\n\n\n

Cost of speed camera tickets in Quebec<\/h3>\n\n\n\n

The first outlines <\/span>how much speed camera tickets cost in Quebec<\/span><\/a> and how they are calculated as of April 2025. In Quebec, speed camera tickets start at $30 and increase based on how much over the posted speed limit you were driving, with additional charges of $10 to $30 per full 5 km\/h increment over the limit.<\/span><\/p>\n\n\n\n

Amount over speed limit<\/strong><\/td>Fine calculation<\/strong><\/td>Total cost range<\/strong><\/td><\/tr>
1 to 20 km\/h<\/td>$30 + $10 per 5 km\/h<\/td>$40 \u2013 $70<\/td><\/tr>
21 to 30 km\/h<\/td>$30 + $15 per 5 km\/h<\/td>$75 \u2013 $105<\/td><\/tr>
31 to 45 km\/h<\/td>$30 + $20 per 5 km\/h<\/td>$110 \u2013 $170<\/td><\/tr>
46 to 60 km\/h<\/td>$30 + $25 per 5 km\/h<\/td>$175 \u2013 $230<\/td><\/tr>
61 km\/h or more<\/td>$30 + $30 per 5 km\/h<\/td>$260+<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Cost of speed camera tickets in Ontario<\/h3>\n\n\n\n

The second table, on the other hand, outlines the <\/span>cost of speed camera tickets in Ontario<\/span><\/a> and how they are calculated as of April 2025. Since Ontario\u2019s Highway Traffic Act currently permits Automated Speed Enforcement (ASE) systems in school zones and community safety zones, the fines are as follows:<\/span><\/p>\n\n\n\n

Based on this information, the cost of a speed camera ticket ranges from at least $40 to $260 in Quebec and from $5 to $588 in Ontario. The term “at least” is used because processing fees, online payment fees, and other administrative costs may apply, potentially increasing the total amount owed.<\/span><\/p>\n\n\n\n

Amount over speed limit<\/strong><\/td>Fine calculation<\/strong><\/td>Total cost range<\/strong><\/td><\/tr>
1 to 19 km\/h<\/td>$5.00 per km\/h<\/td>$5 \u2013 $95<\/td><\/tr>
20 to 29 km\/h<\/td>$7.50 per km\/h<\/td>$150 \u2013 $217.50<\/td><\/tr>
30 to 49 km\/h<\/td>$12.00 per km\/h<\/td>$360 \u2013 $588<\/td><\/tr>
50 km\/h or more<\/td>N\/A<\/td>To be settled in court<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n