Ontario ended municipal automated speed enforcement in November 2025, but you may still receive or need to deal with a valid notice for an earlier violation. If that happens, you might not be sure what you should do, or if it could affect your driving record or insurance.
For this guide, we reviewed Ontario’s current speed-safety page, Bill 56 and O. Reg. 306/25, and the City of Toronto’s legacy ASE guidance to confirm how older notices are handled, including payment, disputes and collections.
Keep reading to learn whether a legacy camera penalty affects insurance, how it differs from a police-issued speeding conviction, and what to do with an old notice.
Do Speed Camera Tickets Affect My Car Insurance in Ontario?
No. An Ontario municipal speed-camera ticket is issued to the vehicle owner and does not create a driver conviction or demerit points, so it normally does not affect your car insurance premiums. A police-issued speeding conviction is different and may affect a quote.
Ontario municipalities can no longer issue new automated speed-enforcement tickets or administrative penalties. The ban took effect on November 14, 2025, and the enabling regulation was later revoked. However, a valid notice for a violation beforehand may still need to be paid or disputed through the process shown on the notice.
Before the ban, the camera system recorded the vehicle rather than identifying its driver, details about the vehicle and speeding incident, including:
- The vehicle’s speed
- The vehicle’s make and model
- The vehicle’s license plate number
- The date and time the speeding incident occurred
- The direction that the vehicle was travelling
An authorized official reviewed the record before a notice was sent to the registered owner. Because the process varied by municipality and type of notice, follow the instructions on your notice and use the municipality’s official lookup tool if needed.
Why Camera Tickets Usually Do Not Affect Insurance
The insurance distinction comes from who the notice identifies. A ticket issued to a vehicle owner without identifying the driver is not the same as a driver conviction on an individual driving record.
Fines and Penalties for Speed Camera Tickets
Check your notice for the amount due and payment or dispute deadline. The result depends on the violation date, municipality and whether the matter was a Provincial Offences Act ticket or an administrative penalty. If available, use the municipality’s official lookup tool to confirm the notice before paying or disputing it.
For Toronto administrative penalties issued for 2025 violations, the total included the set fine, victim surcharge and a provincial licence-plate access fee. Toronto’s current page says the order must be paid by its due date or disputed within 30 days of issuance. Other municipalities or older court tickets may use different forms and deadlines.
If you decide to pay, use the amount and payment instructions shown in the official record. If the plate, image, ownership, service or alleged violation is wrong, use the authorized dispute process.
Read More: See How Demerit Points Work in Ontario
Difference Between Speed Camera Tickets and Regular Speeding Tickets
For insurance purposes, check what appears on the driver’s abstract. A police-issued speeding conviction can appear there and may affect your insurance premium. An owner-based camera notice uses a separate enforcement process as well.
Read More: Learn How Red-Light Camera Tickets Work
What to Do When You Get a Speed Camera Ticket
Start with the violation date, municipality and process printed on the notice. Toronto, for example, directs 2025 administrative penalties to be disputed within 30 days of issuance, while earlier Provincial Offences Act matters use a different lookup and court process.
Use only the payment, review or dispute options listed in the verified official record. If the deadline is close, contact the authority named on the notice before it expires.
You can try to dispute the notice if there is an error in your plate, ownership, service, image or administrative information. Review the evidence and deadline, then decide whether to pay or use the authorized process.
Read More: Dealing with Traffic Tickets in Ontario
What are the Consequences of Not Paying?
Toronto says an unpaid administrative penalty can result in late fees, collection action and licence-plate denial. That is different from putting a speeding conviction on a driver’s record. Check the specific municipality or court file because enforcement steps differ between administrative penalties and Provincial Offences Act tickets.
Missing the deadline can still lead to collection costs or licence-plate denial under the applicable penalty system. Check with the municipality or court listed on your notice if you’re unsure what happens after a missed deadline.
Read More: Check Whether Parking Tickets Affect Car Insurance