State Speeding Tickets

Understand the consequences of getting a ticket in your state


Police Officer Pointing Speed Gun


No one wants to get a speeding ticket, but according to recent reports, 1 in 6 Americans gets a speeding or traffic ticket every year. And unfortunately, the consequences of getting a speeding ticket are much more than a simple one time speeding ticket fine. The first consequence is the fine itself, which in many cases ends up being significantly more than the fine that appears on the ticket itself. Usually there are processing and court fees that can add upwards of $100 to the cost of the speeding ticket. Furthermore, in most states, when you receive a speeding ticket you will get points added to your driving record. Having these points added to your driving record will trigger more expensive insurance costs. In fact, according to recent data, one speeding ticket can increase your insurance premiums by over 20% and having three speeding or traffic tickets on your record, can increase your auto insurance rates by as much as 50%. Since these points can stay on your record for as long as 6 years, that is a very expensive consequence of just one speeding ticket.

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Speeding Tickets and Points

In most states, when you get a speeding ticket, points are added to your driving record and can stay on your record for up to six years depending on the state you live in. These points will affect your auto insurance rates. The specific amount of points added to your record will differ from state to state. With that said, the more miles over the speed limit you were traveling, the more points you are likely to get. Generally, speeding tickets trigger the following points on your driving record:

  • Speeding between 0-10 mph over the limit: 2 points
  • Speeding between 10-20 mph over the limit: 4 points
  • Speeding 20 mph or more over the limit: 6 points
  • Speeding in a school or construction zone: 6 points

In addition, in many states your driver’s license can be suspended for excessive speeding, and/or you can be given a reckless driving ticket, which many times results in much more serious fines and penalties.

Traffic Tickets and Points

Much like speeding tickets, any moving violation or traffic ticket will also result in having points added to your driving record, which will affect your vehicle insurance rates. These points differ from state to state, and increase with the severity of the moving violation. Serious offenses that put others in danger and offenses involving drugs and alcohol normally have the most points. Below is an example of the types of points that different traffic tickets can trigger.

  • Failure to yield: 4 points
  • Running a traffic signal or stop sign: 6 points
  • Leaving the scene of an accident: 6 points
  • Reckless driving: 8 points
  • Aggressive driving: 8 points
  • Driving under the influence: 8 points

Additionally, there are certain traffic tickets and moving violations that can trigger the suspension of your driver’s license and/or serious criminal offenses. In most states, any offense involving drugs or alcohol, or server injury to another party will warrant very serious penalties and fines.

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How Speeding Tickets Affect Auto Insurance Costs

Did you know that getting a single speeding ticket can increase your insurance rates by up to 20%? Many people only consider the actual cost of the speeding ticket when they receive one and fail to think though the long term, and extremely expensive impact that it can have on their insurance rates. Since speeding tickets and other traffic tickets cause the points on your driving record to increase, they also cause your insurance rates to increase. According to recent research from a major insurance company, adding one ticket to your record can increase your rates by over 20% and having three speeding tickets can increase your rates by over 50%. That means, for a $100 monthly auto insurance premium, in a state where points stay on your record for six years, you could end up paying an additional $1440 for one speeding ticket, or an extra $3000 for three speeding tickets on your record. Luckily though, there are ways that you can dismiss a speeding ticket or fight a speeding ticket to avoid those costs.

Options for Dealing with a Speeding Ticket

If you do receive a speeding ticket, in most states, you have three options to deal with the speeding or traffic ticket. The first option is to simply pay the fine, any associated court fees, and any consequent insurance increases for the ticket. The second option is to take a traffic school or defensive driving course to dismiss your ticket. These courses normally can be taken online and lasts around 4 hours. Upon successful completion of the course, your ticket will be dismissed ad no points will be added to your record. In some states, when you take a traffic school course you will still have to pay the fine, but you will avoid the much more expensive penalty that the ticket would have on your insurance rates. The final option is to fight your ticket either on your own or with the assistance of a lawyer or ticket fighting agency. If you win when you fight your ticket, the ticket will completely disappear and you will not have to pay a fine or have any points added to your driving record.

Options for Paying for a Speeding Ticket

In most states, you have three options to pay your speeding ticket or traffic ticket. The most convenient option, available in most states and counties, is to pay your ticket online, by entering your citation number and using a credit or debit card to pay the fine and any additional court or processing fees. The second option, which most people use, is to mail in the ticket with the complete payment. The final option is to pay in person at the court house listed on the ticket itself. If you are close to the speeding ticket due date, it is wise to pay online or in person to avoid late fees or a suspended license for missing your court date.

Options for Dismissing a Speeding Ticket

If you would like to dismiss you speeding ticket or traffic ticket, in most states you can take a state approved traffic school or defensive driving course to dismiss the ticket. You will need to get court approval to take the course, and in most states you will still have to pay the fine, or a portion of the fine. Once you complete the traffic school or defensive driving course, the ticket will be dismissed and it will not appear on your driving record. This is a significant benefit because you will not have to pay insurance rate increases for years to come.

Options for Fighting a Speeding Ticket

A final option for taking care of a speeding ticket is to fight it in court. You can either do this on your own or with the help of a lawyer of ticket fighting agency. When you fight your ticket in court, if you win, it will be completely erased. You will not have to pay a fine and no points will be added to your record. According to many statistics, up to 50% of people who fight tickets win, especially those who use professional help to beat their speeding ticket.