Traffic Ticket Cost Estimator
True cost of a speeding ticket including 3 years of insurance hikes.
Traffic Ticket Cost Estimator by State — True 3-Year Cost
A speeding ticket isn't just the fine — it's 3 years of higher insurance rates that often cost more than the ticket itself. This calculator estimates the true total cost of a traffic ticket including base fine, court fees, and insurance hikes.
How to use this tool
- 1
Pick your state and violation
Speeding, red light, phone, reckless.
- 2
Toggle insurance impact
Will your insurance find out?
- 3
See true 3-year cost
Fine + court + insurance hike.
Pro tips
- Traffic school dismisses many tickets — costs $30–$100 but saves $1,000s in insurance.
- Fighting the ticket in court reduces tickets to non-moving violations ~50% of the time.
- DUI is the most expensive ticket — separate cost calculator for that.
Frequently asked questions
Will my insurance go up?
Usually yes — most tickets stay on your record 3 years. Insurance rates rise 20–40% per ticket for those 3 years.
Can I take traffic school to dismiss?
Most states offer it for minor moving violations. Limited to 1 per 18-24 months in most places.
Should I just pay the ticket?
If it's minor and traffic school isn't available — yes. Otherwise, fighting it often saves money long-term.
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