State Speeding Ticket Fines

Learn about the cost of a speeding ticket in your state


Officer writing citation


Did you get a speeding ticket and are planning on just paying the fine? That’s what 96% of people do, however many people do not realize just how expensive a speeding ticket can be in the long term. Not only will you likely need to pay court and processing fees on top of the fine from your ticket, in many cases you will have to pay more expensive auto insurance rates for years to come. Understanding exactly what speeding ticket fines are in the long term, including the increase to your insurance rates, can be extremely helpful so that you make a decision that isn’t just convenient, but is also cost effective in the long run.

Speeding Ticket Fines

Speeding ticket fines are almost calculated from a base fine and then an additional fine for each additional mile per hour you were over a certain threshold. For example, let’s imagine that you were pulled over going 13 mph over the speed limit. The base fine for going 10 mph or more over the speed limit is $150 in your state. Additionally, they charge an additional $20 speeding ticket fee for each mile over you were over the 10 mph. Since you were 3 mph over the 10 mph threshold, the ticket would cost $210. With that said, specific speeding ticket costs vary from state to state, and sometimes county to county.

Speeding Ticket Processing and Administration Fees

In addition to the speeding ticket fine, whenever you are determining how much your speeding ticket will really cost, it is important to also include any court and processing fees. This differ from state to state, but many times can be over $100 by the time you are complete. For many people that almost doubles the cost of their speeding ticket.

Speeding Ticket Insurance Costs

The largest expense that comes with a speeding ticket isn’t the fine, but actually is the impact that a speeding ticket or traffic ticket has your driving record and hence insurance rates. This impact on your insurance rates can last anywhere from 3-6 years depending on your state of residence. So what does this mean in actually costs. The chart below outlines the average insurance rate increases based on a $100 monthly auto insurance policy, in a state where points stay on your record for 5 years..

Number of Tickets New Monthly Insurance Cost New Yearly Insurance Cost Five Year Total Insurance Cost
Zero $100 $1200 $6000
One $120 $1440 $7200
Two $135 $1620 $8100
Three $150 $1800 $9000
How Much Are Speeding Ticket Fines Really? An Example

To help you truly understand the cost of a speeding ticket, let’s look at an example.

Meet Fred. Fred, lives in a state where a ticket stays on his record for 5 years and he is paying $100 monthly for auto insurance. His insurance rates increase by 20% for the first ticket, 35% for the second ticket, and 50% for the third ticket (which are based on national norms). His state's speeding ticket fines are $100 for the first 10 mph over the speed limit and an additional $20 for each additional mph over he was traveling. Additionally, there is a $25 processing fee, and $90 court fee that comes in addition to any speeding ticket fine.

Fred’s First Speeding Ticket

Unfortunately, Fred was pulled over at the beginning of the year for traveling 15 mph over the speed limit on the highway. So let’s see what costs Fred will incur for the speeding ticket, including the insurance rate increase, court and processing fees, and the ticket itself.

Number of Tickets Ticket Cost Court and Processing Fees New Monthly Insurance Premium Total Cost in Year One Total Cost After Five Years
No tickets $0 $0 $100 $1200 $6000
One ticket $200 $115 $120 $1755 $7515

Fred’s Second Speeding Ticket

Fred was pulled over again for speeding and was given another ticket. This time he was traveling 8 mph over the speed limit in a 45 mph zone. In his state that means he was under the 10 mph threshold, so his ticket cost will be $100.

Number of Tickets Ticket Cost Court and Processing Fees New Monthly Insurance Premium Total Cost in Year One Total Cost After Five Years
No tickets $0 $0 $100 $1200 $6000
One ticket $200 $115 $120 $1755 $7515
Two ticket $300* $230** $135 $2150 $8630

*Includes the cost of all the tickets Fred received this year.

**Includes the cost of court and processing fees for all tickets

Fred’s Third Speeding Ticket

In a rush to work one morning, Fred was pulled over again for speeding. He was unfortunately traveling 85 mph in a 65 mph zone. In this state this is considered a more serious speeding ticket, and the fine is $400.

Number of Tickets Ticket Cost Court and Processing Fees New Monthly Insurance Premium Total Cost in Year One Total Cost After Five Years
No tickets $0 $0 $100 $1200 $6000
One ticket $200 $115 $120 $1755 $7515
Two tickets $300* $230** $135 $2150 $8630
Three tickets $700* $345** $150 $2845 $10,045

*Includes the cost of all the tickets Fred received this year.

**Includes the cost of court and processing fees for all tickets

Find speeding ticket fines in your state

Learn how much a speeding ticket will cost in your state

Alabama Speeding Ticket Fines
Alabama Traffic Ticket Fines
Alabama Traffic Citation Codes
Alaska Speeding Ticket Fines
Alaska Traffic Ticket Fines
Arizona Speeding Ticket Fines
Arizona Traffic Ticket Fines
Arizona Traffic Citation Codes