The true cost of a speeding ticket

The actual cost of the ticket should not be your primary concern. The far greater consideration is that your insurance costs will rise. Young people already pay the highest insurance rates, so a ticket or two can really jack up the monthly amount taken out of your bank account. It’s these costs that add up faster than a $200 slap on the wrist for a traffic infraction.

It’s not the fine, it’s the insurance hit

The hit to your insurance is also why you should rarely take a plea deal when you fight a ticket. Just for showing up in court, the judge will likely offer you 50% off the ticket if you plead guilty and save the court time and energy. (Our courts are generally so backed up that this is considered a good deal for them.) Don’t take this offer. While you may pay as little as $30 or $40 upfront, it will likely still affect your insurance. The cop, judge, and prosecutor may try to pressure you to take a plea deal, but stand your ground and fight it. A plea deal will still impact the amount of insurance you pay.

If you are tagged by a red light traffic camera, just pay the fine instead of going to court and pleading your case. The reasoning behind this is that red light traffic camera infractions can’t be held against you by your insurance provider since no one can prove it was you driving. (The camera catches your car and sends the bill to whomever it was registered to.) Fighting a red light camera ticket is a lot more difficult, and it’s not worth it in terms of the cost versus the benefit. Most people are probably better off paying the fine and moving on in this case since your insurance company won’t be involved, and your rates should remain the same.

Get the best deals on car insurance

It’s all about keeping more bucks in your wallet, right? Aside from fighting certain traffic tickets, you’ll also want to make sure that you’re getting the best deal on your car insurance. How do you do that? Shop around, naturally, but forget about wasting your time contacting a heap of insurance providers individually to get quotes. There’s a much smarter way. We suggest using an online platform to do the heavy lifting for you. Read more about the best car insurance companies in Canada.

Fighting the traffic ticket

So you got a ticket for going 10% over the speed limit, and the officer was not empathetic to your case. What are your best options if you want to dispute it? Here are some possible strategies. Some of the rules do differ slightly from province to province, but the broad process is generally applicable everywhere.

Step 1: You’ll win some of the time just by showing up in court

When you decide to take a day off of work and go down to the court, there is a decent chance the police officer who issued you the traffic ticket won’t be able to make it for a variety of reasons (sick, vacation, got tied up with something else, etc.). As long as your offence wasn’t serious, this is almost always an automatic win.

Step 2: Immediately request disclosure

After filing for a court date (the details usually will be on the ticket to do that), you’ll receive a letter telling you when your court date is. At this point (do not procrastinate this step, or you give the court some leverage - do it ASAP), file for disclosure. This means that cop’s notes will have to be presented to you before the hearing. Some law enforcement officers take excellent notes. Others don’t.

If an officer’s notes are inconsistent as to where the infraction was, what you were charged with, specifics about your car, or several other details, these ommissions or errors might be enough to win the case. Worst case scenario, you still need to know what evidence there is against you to fight the charge.

If your ticket was given with a radar gun, ask for a copy of the calibration records to be disclosed as well. Sometimes you can get lucky, and the calibration will invalidate the whole case.

If an officer’s notes are not legible, you can ask for a typed version at the trial and request an adjournment on that basis. Even if they’re of bad quality, this dramatically improves the chances of the judge throwing the case out. Remember, it’s all a numbers game. Police officers don’t want to be tied down with someone who was 9 km over the speed limit. Finally, when you request the disclosure, make sure you get the names of people you’re talking to so if documents aren’t sent to you, you have some accountability in place.

Step 3: Keep track of your calendar

The Canadian Charter of Rights and Freedoms Section 11 (b) states that (paraphrasing) you have the right to a fair and speedy trial. Basically, if your court date is over a year from the date of your offence, you can make the case that the courts should throw out the case on 11(b) alone. If you have done anything to postpone the case for your benefit, this won’t work. It has to be through no fault of your own. Still, some people advocate several delay strategies for the express purpose of claiming this law.

Step 4: If you’re going to lose, don’t go to court

If your court date is prompt and your officer had impeccable note-taking skills, then you might want to pay the fine. If you had a more serious charge, you might want to hire a lawyer. This article doesn’t really apply to serious offences.

Avoid these common mistakes when fighting speeding tickets in court

There are numerous professionals who will promise you that they can get you out of your ticket. The truth is that most of these people will simply advise you to take the plea deal they “get you” (that would have been offered anyway) and hope that the officer doesn’t show up.

If you have a case or don’t see the officer in the room for the start of the court session, don’t take a plea deal. Remember, the worst-case scenario here is that they will make you pay the ticket you already have.

If you plead “guilty with an explanation,” that is still a guilty plea and will affect your insurance. “Not guilty” is the goal, and you’ll see how it plays out.

Michele Sponagle Freelance Contributor

Michele Sponagle is a prolific, award-winning journalist who has contributed features to a wide range of top media outlets, such as The Globe and Mail, Washington Post, Ottawa Citizen and Maclean's. She has been an avid investor since she was 18 years old and has written about personal finance for publications like the National Post and Chatelaine.


The content provided on is information to help users become financially literate. It is neither tax nor legal advice, is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy. Tax, investment and all other decisions should be made, as appropriate, only with guidance from a qualified professional. We make no representation or warranty of any kind, either express or implied, with respect to the data provided, the timeliness thereof, the results to be obtained by the use thereof or any other matter.