What 20 over costs
Ontario prices a speeding ticket per km/h over the limit. At 20 over you’re in the $3.75 band, and the ticket adds a victim fine surcharge and $5 in costs.
| Scale | How it adds up | Total |
|---|---|---|
| On the ticket | $75 set fine (20 × $3.75) + $15 surcharge + $5 costs | $95 |
| Community safety zone, or construction zone with workers present | $150 set fine (20 × $7.50) + $25 surcharge + $5 costs | $180 |
| If convicted in court | 20 × $4.50 (HTA s.128(14)), before any surcharge and costs | $90 fine |
Either way it carries 3 demerit points, which stay on your record for 2 years from the offence date. Paying the ticket counts as a guilty plea, so the conviction goes on your record too.
Ticket totals are our own maths from Schedule 43 and O. Reg. 161/00; the $5 costs figure comes from secondary sources. Work out any other speed with the Ontario speeding fine calculator.
Where the points start: 16 over
Up to 15 over, a speeding ticket carries no demerit points. At 16 over it carries 3. On the ticket, that one extra km/h adds $2.50 and 3 points.
| Over | Ticket total | Points |
|---|---|---|
| 10 km/h | $40 | 0 |
| 15 km/h | $52.50 | 0 |
| 16 km/h | $55 | 3 |
| 20 km/h | $95 | 3 |
| 29 km/h | $138.75 | 3 |
| 30 km/h | $220 | 4 |
What 20 over looks like on real roads
The ticket is the same $95 and 3 points on any road, unless it’s a community safety zone or a construction zone with workers present.
| Posted limit | 20 over is | Where you’ll see it |
|---|---|---|
| 30 km/h | 50 km/h | Toronto local roads, moving to 30 ward by ward |
| 40 km/h | 60 km/h | Mississauga neighbourhoods |
| 50 km/h | 70 km/h | Built-up areas with no sign |
| 80 km/h | 100 km/h | Rural roads with no sign |
| 100 km/h | 120 km/h | Highway 401 in central Toronto |
| 110 km/h | 130 km/h | Most 400-series highways |
More on the 110 km/h roll-out in Highway 401 speed limits 2026.
Is 10 over OK?
It’s still speeding. 10 over is a $40 ticket ($25 set fine, $10 surcharge and $5 costs) with no demerit points. It still goes on your record as a speeding conviction, and insurers price convictions, not points.
What it does to insurance
Insurers look at the conviction, usually for about 3 years. Brokers estimate one speeding ticket adds roughly 10–25% to premiums. That’s a broker estimate, not an official rate.
When speeding becomes stunt driving
Ontario’s stunt-driving rules (O. Reg. 455/07) start well above 20 over, but closer than many drivers think on a highway:
- 40+ over where the limit is under 80. For example, 90 in a 50.
- 50+ over on any road. For example, 150 in a 100.
- 150 km/h or more on any road. On a 110 km/h highway, that’s only 40 over.
At the roadside: an immediate 30-day licence suspension and a 14-day vehicle impoundment, even if the car isn’t yours. If convicted: a $2,000–$10,000 fine (or up to 6 months in jail), 6 demerit points and a 1–3-year licence suspension for a first conviction.
If you’re a G1 or G2 driver
New drivers (G1, G2, M1, M2) get a warning letter at 2–5 points, a second warning at 6–8, and a 60-day suspension at 9. So one 20-over ticket already puts a new driver in the warning range. A speeding conviction for 30+ over means at least a 30-day suspension. More in the demerit points guide.
What’s the limit if there’s no sign?
50 km/h in cities, towns, villages and built-up areas, and 80 km/h elsewhere (Highway Traffic Act, s.128(1)).
School-zone limits depend on the sign. Municipalities can set times or flashing beacons by by-law; with no times on the sign, the limit always applies. In Mississauga, for example, local school zones are 30 km/h Monday to Friday from 6 a.m. to 6 p.m. and 40 km/h otherwise, and they’re community safety zones, so set fines double.
Questions people ask
Can you go 20 over in Ontario?
No. Any speed over the posted limit is speeding. 20 over is a $95 ticket ($75 set fine, $15 victim fine surcharge and $5 costs) and 3 demerit points.
Is there a 10 km/h tolerance in Ontario?
No. Ontario’s set fines start at 1 km/h over. 10 over is a $40 ticket with no demerit points, but it is still a speeding conviction.
How many demerit points is 20 over?
3. Speeding 16 to 29 km/h over carries 3 demerit points, and they stay on your record for 2 years from the offence date.
How much is 20 over in a school zone?
If the school zone is a community safety zone, set fines double and 20 over costs $180 on the ticket ($150 set fine, $25 surcharge and $5 costs). Otherwise it is the usual $95.
Does 20 over affect insurance?
Insurers price speeding convictions, usually for about 3 years. Brokers estimate one ticket adds roughly 10–25% to premiums; that is an estimate, not an official rate.
What is the speed limit in Ontario if it isn’t posted?
50 km/h in cities, towns, villages and built-up areas, and 80 km/h elsewhere (Highway Traffic Act, s.128(1)).
Do school zones apply on weekends?
It depends on the sign. Municipalities can set times or flashing beacons by by-law. With no times on the sign, the school-zone limit always applies.
Sources
- Ontario Court of Justice, Set Fines Schedule 43 (updated January 22, 2026)
- ontario.ca, Speeding and aggressive driving (HTA s.128(14) court fines, stunt driving, new-driver suspensions)
- O. Reg. 161/00, Victim fine surcharges
- ontario.ca, Understanding demerit points and O. Reg. 339/94
- Highway Traffic Act, s.128(1) (limits where none is posted)
- O. Reg. 455/07 (stunt driving)
- City of Toronto, Speed limit reductions
- City of Mississauga, Neighbourhood area speed limits
The $5 costs figure comes from secondary sources, and the ticket totals are our own maths. Insurance figures are broker estimates. This explains the published rules; it isn’t legal advice.