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Speeding ticket 15 over Florida can cost you far more than you might expect. The base fine under Florida Statute 318.18 is $150.
However, that number is misleading. Once you add mandatory court costs, county surcharges, and other fees, the real total lands between $254 and $269. That depends on which of Florida’s 67 counties issued the ticket. On top of the fine, you face 4 points on your license and a potential insurance increase of 19% to 31%. For most Florida drivers, a speeding ticket 15 over Florida ends up costing well over $1,000 when you factor in higher premiums over the next three to five years. Understanding the full breakdown helps you decide whether to pay the ticket, fight it, or take traffic school.
How Much Does a Speeding Ticket 15 Over Florida Actually Cost?
Florida uses a tiered fine schedule based on how far over the speed limit you were driving. Going 15 mph over falls in the 15–19 mph bracket. The base fine for this tier is $150. For comparison, going 10–14 over is $100, and going 20–29 over is $175. The full breakdown under Florida Statute 318.18 looks like this:
| Speed Over Limit | Base Fine |
|---|---|
| 6–9 mph over | $25 |
| 10–14 mph over | $100 |
| 15–19 mph over | $150 |
| 20–29 mph over | $175 |
| 30+ mph over | $250 |
The base fine is only part of the story. Every Florida county adds court costs and surcharges that nearly double the total. In most cases, a speeding ticket 15 over Florida will cost you $254 to $269 out of pocket. Counties like Miami-Dade and Broward tend to land around $254. Other counties may charge slightly more or less. You should check your county clerk of court website for the exact amount.
Special zones make things worse. In a school zone, fines are doubled. That means a speeding ticket 15 over Florida in a school zone jumps to a $300 base fine, with a total well over $400. The same doubling applies in active construction zones when workers are present.
Points, Insurance, and Long-Term Costs of a Speeding Ticket 15 Over Florida
Florida’s DHSMV point system adds 4 points to your license for going 15 mph over. This matters because points add up fast. Accumulate 12 points in 12 months and your license gets suspended for 30 days. Reach 18 points in 18 months and you lose it for 3 months. Hit 24 points in 36 months and the suspension lasts a full year.
Insurance is where the real damage happens. Typically, a speeding ticket 15 over Florida triggers a rate increase of 19% to 31% from major insurers. That increase stays on your record for three to five years. As a result, the total insurance cost of a single ticket can add $900 to $1,500 or more over that period. Combined with the fine itself, one ticket can easily cost $1,200 to $1,800 total.
How to Reduce the Impact of a Speeding Ticket 15 Over Florida
Florida offers a powerful tool called Basic Driver Improvement (BDI) traffic school. Completing a BDI course keeps the points completely off your driving record. Without points on your record, insurance companies legally cannot raise your rates. For a speeding ticket 15 over Florida, this option is available as long as you were not going 30 or more over the limit.
There are rules for BDI eligibility. You must elect the traffic school option within 30 days of receiving the citation. You can only use it once every 12 months. Florida also limits you to five lifetime uses. CDL holders cannot use BDI for violations related to their commercial license. Even with BDI, you still pay the full fine amount. However, avoiding the insurance increase typically saves you far more than the course costs.
If you believe the ticket was issued in error, you can contest it in court. For example, you might challenge the radar calibration or argue the speed limit signs were not properly posted. Fighting a speeding ticket 15 over Florida requires appearing before a judge. You can represent yourself or hire a traffic attorney. Many Florida traffic lawyers handle these cases for a flat fee of $75 to $250, which can be worth it if you are close to a point threshold.
Frequently Asked Questions
How many points is a speeding ticket 15 over Florida?
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Going 15 mph over the speed limit adds 4 points to your Florida driver’s license. However, you can avoid these points entirely by completing a Basic Driver Improvement course within 30 days of receiving the citation.
Can I go to traffic school for a speeding ticket 15 over Florida?
Yes, traffic school is available for any ticket under 30 mph over the limit. In most cases, completing the course keeps points off your record and prevents your insurance from going up. You must elect this option within 30 days.
Will a speeding ticket 15 over Florida raise my insurance?
Typically, yes. A speeding ticket 15 over Florida can raise your insurance rates by 19% to 31%. As a result, you could pay $900 to $1,500 more in premiums over three to five years. Taking traffic school is the best way to prevent this increase.
What happens if I get a speeding ticket 15 over Florida in a school zone?
Fines are doubled in Florida school zones. The base fine jumps from $150 to $300, and total costs can exceed $400. The same 4 points still apply to your license. Traffic school remains an option in most cases.
Check Your Ticket Impact
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Official Sources & Resources
For verified traffic law and speeding ticket information:
- NHTSA (Speed Data): nhtsa.gov
- NCSL (State Traffic Laws): ncsl.org
- AAA Foundation: aaafoundation.org
- IIHS (Insurance Data): iihs.org
- State DMV Websites: Check your state DMV for official point values and fine schedules
Content last reviewed June 2026. If you notice any outdated information, please contact us.
Related Guides
- Speeding Ticket Costs by State
- Driving Points by State
- Traffic School by State
- Speeding Ticket Cost Calculator
- Insurance Impact Estimator
Disclaimer. The information on this page is provided for general informational purposes only and does not constitute legal, financial, or professional advice. Fine amounts, point values, and traffic laws vary by jurisdiction and may change without notice. The creators assume no liability for accuracy or completeness. Always verify with your local court, DMV, or a qualified traffic attorney for advice specific to your situation.