Got a Ticket? Know Exactly What It Costs.

Plain-English help for every U.S. state — what your ticket really costs, whether it's worth fighting, and how to keep it off your record.

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50 States Exact Fines & Points Updated 2026
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Cost Calculator

See the real fine, fees, and total for your speed and state.
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Points Checker

How many license points this adds — and what it triggers.
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Traffic School Finder

Find a state-approved course that can dismiss your ticket.
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Insurance Estimator

Estimate how much your premium could jump after this ticket.

Explore Speeding Ticket Guides

Plain-English guides that tell you exactly what your ticket means — and what to do about it.

By State

State Speeding Ticket Guides

Exact fines, court fees, and the total cost for your state — based on how far over the limit you were.

View Guides → Points & License

State Points & License Guides

How many points this adds, when they expire, and how close you are to a suspension.

View Guides → Fight It

Fight Your Ticket Guides

When contesting is worth it, how to request a hearing, and how to do it without a lawyer.

View Guides → Dismissal

Traffic School & Dismissal

Whether a state-approved course can erase the points or dismiss your ticket where you live.

View Guides → Insurance

Cost & Insurance Impact

How much a single ticket really raises your premium — and for how many years.

View Guides → Violations

Violation Type Guides

Red light, stop sign, phone, reckless, and more — what each violation costs and means.

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A speeding ticket left under a windshield wiper

Should You Fight It?

Pay it? Fight it? Take traffic school? We break down all three for your state — in plain English, with the real numbers.

  • What paying really costs — fine, fees, and the insurance hit
  • When fighting is worth your time, and when it isn't
  • Whether traffic school can wipe the points where you live
  • Your exact deadline — miss it and things get worse
  • Clear steps to follow, with no legal jargon
See Your Options →

Find Your State's Speeding Ticket Rules

Click your state for exact fines, license points, deadlines, and the insurance impact.

Speeding Ticket Costs by State

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

Find Out What Your Ticket Really Costs

Fines, license points, and the insurance hit — get the real number for your exact state and speed in under a minute.

Calculate Your Cost →

Frequently Asked Questions

How much is a speeding ticket on average?
Most speeding fines land somewhere between $75 and $400, but the fine on the citation is only part of it. Once court fees, surcharges, and a possible insurance increase are added, the true cost is usually much higher. The exact amount depends on your state and how far over the limit you were — our Cost Calculator shows the real total for your situation.
Will one ticket raise my insurance?
Often, yes. A single speeding ticket can raise your premium by roughly 20–30% with many insurers, and that increase can stick around for three years or more. How much it climbs depends on your insurer, your state, and your driving record. Comparing rates afterward is one of the few ways to limit the damage.
Does traffic school really remove points?
In many states it does. Completing a state-approved traffic school or defensive-driving course can dismiss the ticket or keep the points off your record — though usually only once every 12 to 18 months, and not for every violation. The rules vary widely by state, so check your state's Traffic School & Dismissal guide before you enroll.
Can I fight a ticket without a lawyer?
Yes. Plenty of drivers contest tickets on their own — by requesting a hearing, questioning how the speed was measured, or asking for a reduction. Whether it's worth it comes down to the fine, the points at stake, and how your state's process works. Our Fight Your Ticket guides walk through each step in plain English.
How long do points stay on my record?
For most speeding violations, points stay on your record for about one to three years, though more serious offenses can last longer. The points and the violation itself often drop off on different schedules. Every state runs its own system, so see your State Points & License guide for the exact timeline where you live.